{"id":4810,"date":"2023-07-21T17:28:49","date_gmt":"2023-07-21T23:28:49","guid":{"rendered":"https:\/\/chf-ca.papercrane.ca\/le-programme-de-refinancement-atteint-le-quart-de-milliards-de-dollars\/"},"modified":"2026-03-24T16:15:16","modified_gmt":"2026-03-24T22:15:16","slug":"le-programme-de-refinancement-atteint-le-quart-de-milliards-de-dollars","status":"publish","type":"post","link":"https:\/\/chf-ca.papercrane.ca\/fr\/le-programme-de-refinancement-atteint-le-quart-de-milliards-de-dollars\/","title":{"rendered":"Le programme de refinancement atteint le quart de milliards de dollars"},"content":{"rendered":"

Depuis ses d\u00e9buts modestes en\u00a02014 avec un pr\u00eat de 4,5\u00a0millions de dollars \u00e0 la coop\u00e9rative Mondragon \u00e0 Brampton (Ontario), le Programme de refinancement de la FHCC<\/a> a mobilis\u00e9 \u00e0 ce jour plus de 250\u00a0millions de dollars en nouveaux investissements pour r\u00e9parer et moderniser les coop\u00e9ratives d\u2019habitation.<\/p>\n

\u00ab\u00a0Les coop\u00e9ratives membres tourn\u00e9es vers l\u2019avenir d\u00e9cident de r\u00e9investir dans leurs logements. Le refinancement leur permet de conserver un logement abordable, s\u00fbr, attrayant et durable\u00a0\u00bb, explique Dave\u00a0Howard, gestionnaire de programme, Services de planification financi\u00e8re, \u00e0 la FHCC.<\/p>\n

Un nouveau service aux membres<\/strong><\/h3>\n

En\u00a02011, un projet pilote parrain\u00e9 par la FHCC a permis de d\u00e9terminer si deux coop\u00e9ratives d\u2019habitation typiques en vertu de l\u2019article\u00a095 pouvaient se permettre de contracter de nouveaux pr\u00eats hypoth\u00e9caires de plusieurs millions de dollars et, le cas \u00e9ch\u00e9ant, quelles am\u00e9liorations pouvaient \u00eatre apport\u00e9es \u00e0 leurs b\u00e2timents vieillissants. Les deux coop\u00e9ratives pouvaient facilement se permettre de financer de nouveaux pr\u00eats hypoth\u00e9caires aupr\u00e8s de leurs coop\u00e9ratives de cr\u00e9dit locales sans que cela touche leur budget de fonctionnement de fa\u00e7on importante.<\/p>\n

En\u00a02013, la FHCC avait persuad\u00e9 le gouvernement f\u00e9d\u00e9ral d\u2019autoriser le remboursement anticip\u00e9 des pr\u00eats hypoth\u00e9caires en vertu de l\u2019article\u00a095 existants afin de pouvoir financer de nouveaux emprunts commerciaux.<\/p>\n

Ces efforts ont ouvert la porte \u00e0 de nouveaux capitaux priv\u00e9s pour les coop\u00e9ratives d\u2019habitation. Depuis, de nombreuses coop\u00e9ratives membres ont utilis\u00e9 de nouveaux pr\u00eats hypoth\u00e9caires pour r\u00e9parer, r\u00e9nover et moderniser leurs propri\u00e9t\u00e9s.<\/p>\n

Le refinancement va de l\u2019avant<\/strong><\/h3>\n

Les gouvernements f\u00e9d\u00e9raux successifs ont \u00e9tendu les privil\u00e8ges de remboursement anticip\u00e9 aux anciennes coop\u00e9ratives en vertu de l\u2019article\u00a061, puis aux coop\u00e9ratives en vertu de l\u2019article\u00a027 (PHI). Pendant un certain temps, le financement gouvernemental de la SCHL a permis aux coop\u00e9ratives en vertu de l\u2019article\u00a061 de rembourser leurs pr\u00eats hypoth\u00e9caires sans p\u00e9nalit\u00e9s importantes. Des programmes f\u00e9d\u00e9raux de soutien ont ensuite \u00e9t\u00e9 ajout\u00e9s pour financer les \u00e9valuations de l\u2019\u00e9tat des b\u00e2timents et les plans de gestion des actifs des coop\u00e9ratives.<\/p>\n

Aujourd\u2019hui, les plans de gestion des actifs<\/a> con\u00e7us par les coop\u00e9ratives et pr\u00e9par\u00e9s par la FHCC d\u00e9terminent les r\u00e9parations et les am\u00e9liorations que les coop\u00e9ratives peuvent entreprendre et expliquent clairement comment elles seront financ\u00e9es.<\/p>\n

En 2020, l\u2019assurance hypoth\u00e9caire de la SCHL a \u00e9t\u00e9 ajust\u00e9e pour permettre des taux d\u2019int\u00e9r\u00eat plus bas et r\u00e9duire les co\u00fbts d\u2019emprunt des coop\u00e9ratives. La FHCC collabore avec de nombreuses institutions financi\u00e8res pour offrir le programme de financement aux membres. Comme des pr\u00eats assur\u00e9s sont souvent n\u00e9cessaires et que la plupart des coop\u00e9ratives de cr\u00e9dit canadiennes n\u2019offrent pas de pr\u00eats assur\u00e9s, la First National Financial<\/b> est un \u00e9tablissement de credit choisi par de nombreuses coop\u00e9rations d\u2019habitation pour leur refinancement dans le cadre du programme.<\/p>\n

\u00ab\u00a0Les coop\u00e9ratives prennent des d\u00e9cisions judicieuses en recourant \u00e0 des emprunts abordables pour les r\u00e9parations et les r\u00e9novations majeures, garantissant ainsi leur sant\u00e9 financi\u00e8re \u00e0 long terme, d\u00e9clare Adriana\u00a0Palazzolo de la First National Financial. La First National Financial est tr\u00e8s heureuse de contribuer \u00e0 assurer un avenir s\u00fbr aux coop\u00e9ratives du Canada.\u00a0\u00bb<\/p>\n

\"\"<\/p>\n

Le programme de refinancement aujourd\u2019hui<\/strong><\/h3>\n

De\u00a02014 \u00e0\u00a02021, le programme de refinancement s\u2019est d\u00e9velopp\u00e9 pour servir pr\u00e8s de 60\u00a0coop\u00e9ratives membres. Ralenti en\u00a02022 par la pand\u00e9mie, il a repris de la vigueur en\u00a02023.<\/p>\n

Plus de 4\u00a0500\u00a0logements coop\u00e9ratifs ont \u00e9t\u00e9 r\u00e9nov\u00e9s \u00e0 ce jour. Les coop\u00e9ratives ont relev\u00e9 les d\u00e9fis pos\u00e9s par des immeubles vieillissants. En g\u00e9n\u00e9ral, les travaux concernant la toiture, les rev\u00eatements, l\u2019isolation, les portes, les fen\u00eatres et les nouveaux syst\u00e8mes de chauffage r\u00e9duisent les co\u00fbts \u00e9nerg\u00e9tiques et am\u00e9liorent le confort des membres. De nombreuses coop\u00e9ratives ont r\u00e9nov\u00e9 leurs cuisines et leurs salles de bain.<\/p>\n

Les coop\u00e9ratives de toutes les r\u00e9gions du Canada ont choisi de se refinancer; en Colombie-Britannique et au Qu\u00e9bec, les coop\u00e9ratives acc\u00e8dent au refinancement par l\u2019interm\u00e9diaire de leurs f\u00e9d\u00e9rations r\u00e9gionales. Il s\u2019agit de grandes et de petites coop\u00e9ratives, comme celle de Quarry Co-op<\/strong> \u00e0 Ottawa (244\u00a0logements) et celle de Joe MacIsaac<\/strong> en Nouvelle-\u00c9cosse (10 logements)\/<\/p>\n

\u00c0 la fin de l\u2019ann\u00e9e\u00a02022, les paiements des 64\u00a0coop\u00e9ratives qui ont eu recours au programme sont pass\u00e9s de 15,2\u00a0millions de dollars \u00e0 12,9\u00a0millions de dollars, ce qui repr\u00e9sente une \u00e9conomie de 2,2\u00a0millions de dollars par rapport aux pr\u00eats hypoth\u00e9caires ant\u00e9rieurs de la SCHL.<\/p>\n

\u00ab\u00a0L\u2019emprunt est un bon moyen de contr\u00f4ler l\u2019augmentation des charges de logement tout en effectuant des r\u00e9parations d\u2019immobilisations\u00a0\u00bb, explique Dave.<\/p>\n

Changer les choses pour les membres des coop\u00e9ratives <\/strong><\/h3>\n

\u00ab\u00a0Toutes les coop\u00e9ratives devraient s\u2019int\u00e9resser \u00e0 ce programme\u00a0\u00bb, d\u00e9clare Janine\u00a0McDonald, directrice de la Kawartha Village Co-op<\/strong> (80\u00a0logements) et de la Peterborough Co-op Homes<\/strong> (59\u00a0logements) \u00e0 Peterborough, en Ontario.<\/p>\n

Refinanc\u00e9e en\u00a02018 \u00e0 2,2\u00a0millions de dollars, la Kawartha Village Co-op a r\u00e9nov\u00e9 51\u00a0salles de bains et 17\u00a0cuisines. Neuf portes de garage ont \u00e9t\u00e9 remplac\u00e9es, l\u2019ensemble de la coop\u00e9rative a \u00e9t\u00e9 repav\u00e9 et le drainage a \u00e9t\u00e9 am\u00e9lior\u00e9. Quinze places de stationnement ont \u00e9t\u00e9 ajout\u00e9es. \u00ab\u00a0Les membres sont tr\u00e8s heureux, d\u00e9clare Janine. Les salles de bains \u00e9taient d\u00e9labr\u00e9es, moisies, avec des carreaux fissur\u00e9s et des ventilateurs, des toilettes et des lavabos vieillots.\u00a0\u00bb<\/p>\n

Peterborough Co-op Homes a d\u00e9j\u00e0 utilis\u00e9 une partie de son pr\u00eat de 2,3\u00a0millions de dollars pour refaire la toiture, les tuyaux de descente pluviale et l\u2019isolation des combles sur l\u2019un de ses deux sites, ainsi que pour refaire le rev\u00eatement des pav\u00e9s, les trottoirs et les porches d\u2019entr\u00e9e sur l\u2019autre site. L\u2019ann\u00e9e prochaine, l\u2019un des sites sera dot\u00e9 d\u2019un nouveau rev\u00eatement et d\u2019une nouvelle isolation.<\/p>\n

\u00ab\u00a0Le refinancement a rendu ces projets de grande envergure abordables\u00a0\u00bb, explique Janine.<\/p>\n

Dans la Ramsay Heights Co-op<\/strong> de Calgary, qui compte 38\u00a0logements, le refinancement a \u00e9t\u00e9 utilis\u00e9 pour pallier la d\u00e9faillance imminente de l\u2019un des murs de sout\u00e8nement. \u00ab\u00a0Notre coop\u00e9rative est situ\u00e9e sur une colline tr\u00e8s escarp\u00e9e, explique Patricia\u00a0Matthews, pr\u00e9sidente du conseil d\u2019administration. Nos murs de sout\u00e8nement \u00e9taient sur le point de s\u2019effondrer, et nous n\u2019aurions pas pu rem\u00e9dier \u00e0 la situation sans un nouveau pr\u00eat hypoth\u00e9caire de 1,2\u00a0million de dollars. Comme nous en avions les moyens, nous avons d\u00e9cid\u00e9 d\u2019emprunter suffisamment d\u2019argent pour r\u00e9nover toutes nos cuisines, remplacer nos chauffe-eau et payer une partie du co\u00fbt du remplacement de nos syst\u00e8mes de chauffage. Les membres sont satisfaits des r\u00e9sultats, surtout des nouvelles cuisines\u00a0\u00bb, d\u00e9clare Patricia.<\/p>\n

\"A<\/p>\n

\u00ab\u00a0Ces coop\u00e9ratives sont des exemples typiques des r\u00e9alisations qu\u2019accomplissent les coop\u00e9ratives et de la fiert\u00e9 qu\u2019\u00e9prouvent les membres \u00e0 l\u2019\u00e9gard des am\u00e9liorations apport\u00e9es \u00e0 leurs logements, d\u00e9clare Dave. Bien que les 250\u00a0millions de dollars aient chang\u00e9 beaucoup de choses pour de nombreuses coop\u00e9ratives membres, encore plus de coop\u00e9ratives peuvent se joindre au mouvement. L\u2019acc\u00e8s \u00e0 l\u2019investissement en capital par l\u2019entremise du programme est un \u00e9l\u00e9ment cl\u00e9 d\u2019un avenir brillant et durable pour les coop\u00e9ratives d\u2019habitation du Canada,\u00a0\u00bb ajoute-t-il.<\/p>\n

\"Three<\/p>\n

Pour en savoir plus sur la fa\u00e7on dont le refinancement peut aider votre coop\u00e9rative, communiquez avec Dave\u00a0Howard au 416\u00a0624-7511, ou par courriel \u00e0 l\u2019adresse dhoward@chfcanada.coop.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Depuis ses d\u00e9buts modestes en\u00a02014 avec un pr\u00eat de 4,5\u00a0millions de dollars \u00e0 la coop\u00e9rative Mondragon \u00e0 Brampton (Ontario), le Programme de refinancement de la FHCC a mobilis\u00e9 \u00e0 ce … Continued<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[312],"tags":[],"class_list":["post-4810","post","type-post","status-publish","format-standard","hentry","category-national"],"acf":[],"yoast_head":"\nLe programme de refinancement atteint le quart de milliards de dollars - CHF Canada<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le programme de refinancement atteint le quart de milliards de dollars - 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