{"id":59313,"date":"2024-10-29T20:20:26","date_gmt":"2024-10-29T20:20:26","guid":{"rendered":"https:\/\/eqraz.sfbhost.com\/pourquoi-les-prets-hypothecaires-halal-sont-ils-plus-chers\/"},"modified":"2025-12-11T19:54:39","modified_gmt":"2025-12-11T19:54:39","slug":"pourquoi-les-prets-hypothecaires-halal-sont-ils-plus-chers","status":"publish","type":"post","link":"https:\/\/eqraz.sfbhost.com\/fr\/pourquoi-les-prets-hypothecaires-halal-sont-ils-plus-chers\/","title":{"rendered":"Pourquoi les pr\u00eats hypoth\u00e9caires halal sont-ils plus chers ?"},"content":{"rendered":"\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Pourquoi les pr\u00eats hypoth\u00e9caires Halal d&rsquo;EQRAZ sont-ils plus chers que les pr\u00eats hypoth\u00e9caires bas\u00e9s sur le Riba ?<\/strong><\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">C&rsquo;est une question fr\u00e9quente et sensible chez les clients : si les pr\u00eats hypoth\u00e9caires halal sont plus chers, comment peuvent-ils \u00eatre consid\u00e9r\u00e9s comme halal ? Ne devraient-ils pas \u00eatre moins chers, voire gratuits ? Les soci\u00e9t\u00e9s de pr\u00eats hypoth\u00e9caires halal arnaquent-elles simplement leurs clients ? La r\u00e9ponse r\u00e9side dans la compr\u00e9hension de ce qui rend un pr\u00eat hypoth\u00e9caire halal et dans l&rsquo;analyse des raisons de ses co\u00fbts plus \u00e9lev\u00e9s.   <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Comprendre les pr\u00eats hypoth\u00e9caires halal<\/strong><\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">La tarification est ind\u00e9pendante du caract\u00e8re halal ou haram du pr\u00eat hypoth\u00e9caire. Un pr\u00eat hypoth\u00e9caire halal doit respecter une structure conforme \u00e0 la charia, g\u00e9n\u00e9ralement bas\u00e9e sur la Mourabaha, la Moucharaka ou l&rsquo;Ijara, \u00e9vitant ainsi le riba (int\u00e9r\u00eats). Ces structures permettent au pr\u00eateur de r\u00e9aliser un b\u00e9n\u00e9fice halal, pay\u00e9 par le client. Il est important de noter qu&rsquo;il n&rsquo;y a aucune restriction quant au montant ou au taux du b\u00e9n\u00e9fice appliqu\u00e9.   <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Le co\u00fbt des pr\u00eats hypoth\u00e9caires halal<\/strong><\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Alors, pourquoi les pr\u00eats hypoth\u00e9caires halal sont-ils plus chers ? Prenons l&rsquo;exemple d&rsquo;EQRAZ. Au 18 octobre 2024, le taux de rentabilit\u00e9 de la Mourabaha d&rsquo;EQRAZ \u00e9tait de 8,24 %, contre 6,39 % pour RBC Bank. Bien que le taux r\u00e9duit de RBC soit d&rsquo;environ 4,74 %, il n&rsquo;est pas accessible \u00e0 tous. Cet \u00e9cart de pr\u00e8s de 2 % s&rsquo;explique par plusieurs facteurs cl\u00e9s :    <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Faible offre de capitaux halal<\/strong><\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Contrairement aux pr\u00eateurs traditionnels comme RBC, EQRAZ n&rsquo;a pas acc\u00e8s \u00e0 des capitaux riba \u00e0 faible co\u00fbt. Le march\u00e9 hypoth\u00e9caire riba est bien \u00e9tabli, per\u00e7u comme peu risqu\u00e9 et \u00e0 fort volume. En revanche, le secteur hypoth\u00e9caire halal est minuscule : 99,99 % des institutions canadiennes refusent de financer les fournisseurs halal en raison de priorit\u00e9s strat\u00e9giques et de pr\u00e9jug\u00e9s contre les musulmans. \u00c0 notre connaissance, EQRAZ est le seul fournisseur de pr\u00eats hypoth\u00e9caires halal \u00e0 avoir obtenu un financement halal aupr\u00e8s d&rsquo;une banque canadienne. Cette offre limit\u00e9e entra\u00eene des co\u00fbts plus \u00e9lev\u00e9s pour EQRAZ.    <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Risques li\u00e9s \u00e0 la structure de Wakala pour les pr\u00eateurs<\/strong><\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">EQRAZ utilise des accords Wakala conformes \u00e0 la charia pour son financement, ce qui implique un risque plus \u00e9lev\u00e9 pour les \u00e9tablissements de cr\u00e9dit que pour les pr\u00eats classiques. Ce risque accru conduit les pr\u00eateurs \u00e0 exiger une prime de risque sur le b\u00e9n\u00e9fice Wakala. <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Co\u00fbts op\u00e9rationnels li\u00e9s \u00e0 la charia<\/strong><\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Le maintien de la conformit\u00e9 \u00e0 la charia est co\u00fbteux sur le plan op\u00e9rationnel. Pour garantir la conformit\u00e9 avec la loi canadienne et la charia, EQRAZ g\u00e8re m\u00e9ticuleusement chaque transaction et conserve des dossiers complets. Notre Conseil de la charia audite non seulement nos produits et processus hypoth\u00e9caires, mais aussi nos interactions avec nos fournisseurs et partenaires tiers. EQRAZ collabore actuellement avec plus de 20 fournisseurs, dont des cabinets de conseil en ressources humaines, des avocats et des gestionnaires de pr\u00eats hypoth\u00e9caires, ce qui augmente nos co\u00fbts op\u00e9rationnels.   <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Comparaison avec d&rsquo;autres pr\u00eateurs halal<\/strong><\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Some Canadian \u201chalal\u201d lenders are offering Diminishing Musharaka mortgages at a cheaper cost compared to EQRAZ. However, due to the problems between Canadian laws and Shariah-law, the Diminishing Musharakah products offered are often not pure, and replicate a riba-bearing mortgage, in which the customer ends up with all the house pricing risk and TMI risks. It is these malpractices that allow some Diminishing Musharaka providers to offer mortgages cheaper, by accessing riba-based capital. These lenders CANNOT access genuine halal mortgage capital at scale. So, while they are cheaper, they run a strong possibility of either not being halal or not being compliant with Canadian laws. <a href=\"https:\/\/independent-tax.co.uk\/the-case-of-the-diminishing-musharakah\/\">This article<\/a> reports how, in the UK, the tax authorities are imposing huge capital gains bills on unsuspecting customers that availed diminishing Musharaka mortgages from the UK Islamic Banks over the past two decades. This will most likely happen in Canada as well! Please refer to our blog on the problems with typical halal mortgage products <a href=\"https:\/\/syedzuhairnaqvi.com\/blog\/f\/halal-home-financing-in-canada---traditional-product-challenges\">here<\/a>.      <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\"><strong>Conclusion : \u00e7a vaut toujours le coup !<\/strong><\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Actuellement, EQRAZ s&rsquo;attache \u00e0 aider ses clients \u00e0 trouver des logements halal avant la nouvelle hausse des prix, annonc\u00e9e par de nombreuses pr\u00e9visions. Avec l&rsquo;augmentation de notre volume de pr\u00eats, nous anticipons une baisse des prix de financement. Nous recommandons \u00e0 nos clients de souscrire un pr\u00eat immobilier renouvelable de deux ans et de fixer le prix de leur logement d\u00e8s maintenant. M\u00eame s&rsquo;ils paient un peu plus cher pendant 24 mois, ils renouvelleront probablement \u00e0 des taux bien plus bas, ce qui leur permettra de r\u00e9aliser d&rsquo;importantes \u00e9conomies nettes, car ils conserveront l&rsquo;int\u00e9gralit\u00e9 des gains sur la valeur nette de leur logement.   <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">L\u2019analyse indique que m\u00eame avec des paiements plus \u00e9lev\u00e9s pour un pr\u00eat hypoth\u00e9caire halal, l\u2019achat d\u2019une maison aujourd\u2019hui g\u00e9n\u00e9rera des gains de valeur substantiels par rapport \u00e0 la location.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Pour plus d&rsquo;informations, veuillez cliquer <a href=\"https:\/\/eqraz.sfbhost.com\/fr\/informations-sur-le-pret-hypothecaire\/\">here<\/a><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\"><em>Avis de non-responsabilit\u00e9 : ce contenu est fourni \u00e0 titre informatif et illustratif uniquement et ne doit pas \u00eatre interpr\u00e9t\u00e9 comme un conseil financier ; EQRAZ n&rsquo;organise, n&rsquo;approuve ni ne n\u00e9gocie de pr\u00eats hypoth\u00e9caires, et toutes les d\u00e9cisions de financement rel\u00e8vent uniquement des courtiers et financiers hypoth\u00e9caires agr\u00e9\u00e9s.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pourquoi les pr\u00eats hypoth\u00e9caires Halal d&rsquo;EQRAZ sont-ils plus chers que les pr\u00eats hypoth\u00e9caires bas\u00e9s sur le Riba ? C&rsquo;est une [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":55496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[74],"tags":[83,88,89,76,95,93],"class_list":["post-59313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypotheques-halal","tag-finance-islamique-canada","tag-hypotheque-musulmane","tag-islamic-bank-loan-for-house-fr","tag-pret-hypothecaire-halal","tag-pret-hypothecaire-islamique","tag-prets-halal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pourquoi les pr\u00eats hypoth\u00e9caires halal sont-ils plus chers ?<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez pourquoi les pr\u00eats hypoth\u00e9caires halal sont plus chers. 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