Repository Public Research preview
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22.7,1335 "14 mois",1336 "Écarté"1337 ]1338 ],1339 "valeurs_aberrantes": {1340 "indications": [1341 434978,1342 453026,1343 442236,1344 383729,1345 4754681346 ],1347 "mediane": 442236,1348 "ecarts_pct": {1349 "C1": -1.6,1350 "C2": 2.4,1351 "C3": 0.0,1352 "C4": -13.2,1353 "C5": 7.51354 },1355 "seuil_pct": 101356 },1357 "equivalence_comptant_C1": {1358 "solde": 100000,1359 "taux_contrat": 2.0,1360 "taux_marche": 5.0,1361 "annees": 3,1362 "interets_annuels": 2000,1363 "facteur_annuite": 2.72,1364 "va_capital": 86384,1365 "va_interets": 5446,1366 "valeur_actuelle": 91830,1367 "avantage": 81701368 },1369 "exemple_pct_vs_dollar": {1370 "prix": 420000,1371 "ajust_pct": 3,1372 "ajust_dollar": 126001373 },1374 "exemple_ordre": {1375 "prix": 400000,1376 "financement": -10000,1377 "temps_pct": 2,1378 "sequence": 397800,1379 "additif": 398000,1380 "ecart": -2001381 }1382 },1383 "imm1033_s08": {1384 "cas": {1385 "nom": "Immeuble de six logements, secteur Hull (Gatineau)",1386 "logements": 6,1387 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}1715 ],1716 "solde_moyen": 5580571717 },1718 "sensibilite_taux": {1719 "5.75": {1720 "taux": 5.75,1721 "interets": 34178,1722 "cout_total": 12401761723 },1724 "6.75": {1725 "taux": 6.75,1726 "interets": 40122,1727 "cout_total": 12467741728 },1729 "7.75": {1730 "taux": 7.75,1731 "interets": 46066,1732 "cout_total": 12533721733 },1734 "8.75": {1735 "taux": 8.75,1736 "interets": 52010,1737 "cout_total": 12599701738 }1739 },1740 "sensibilite_duree": {1741 "10": {1742 "duree": 10,1743 "interets": 28658,1744 "cout_total": 12340491745 },1746 "14": {1747 "duree": 14,1748 "interets": 40122,1749 "cout_total": 12467741750 },1751 "18": {1752 "duree": 18,1753 "interets": 51585,1754 "cout_total": 12594981755 },1756 "20": {1757 "duree": 20,1758 "interets": 57317,1759 "cout_total": 12658611760 },1761 "24": {1762 "duree": 24,1763 "interets": 68780,1764 "cout_total": 12785851765 }1766 },1767 "retard_6_mois": {1768 "interets": 57317,1769 "surcout_interets": 17195,1770 "cout_total": 1265861,1771 "surcout_total": 190871772 },1773 "extraction_marche": {1774 "ventes": [1775 {1776 "vente": "M1",1777 "prix": 1560000,1778 "terrain": 215000,1779 "batiment_implicite": 1345000,1780 "profit_extrait_pct": 19.7,1781 "prix_par_logement": 2600001782 },1783 {1784 "vente": "M2",1785 "prix": 1510000,1786 "terrain": 205000,1787 "batiment_implicite": 1305000,1788 "profit_extrait_pct": 16.2,1789 "prix_par_logement": 2516671790 },1791 {1792 "vente": "M3",1793 "prix": 1595000,1794 "terrain": 225000,1795 "batiment_implicite": 1370000,1796 "profit_extrait_pct": 22.0,1797 "prix_par_logement": 2658331798 },1799 {1800 "vente": "M4",1801 "prix": 1465000,1802 "terrain": 200000,1803 "batiment_implicite": 1265000,1804 "profit_extrait_pct": 12.6,1805 "prix_par_logement": 2441671806 }1807 ],1808 "batiment_implicite_median": 1325000,1809 "assiette": 1123220,1810 "profit_extrait_median_pct": 18.0,1811 "ecart_cout_total_vs_marche_pct": -5.91812 },1813 "taxes": {1814 "occupant_350000": {1815 "prix": 350000,1816 "tps": 17500.0,1817 "tvq": 34912.5,1818 "taxes_brutes": 52412.5,1819 "remb_tps_general": 6300.0,1820 "remb_tps_premier_acheteur": 0.0,1821 "remb_tps_retenu": 6300.0,1822 "remb_tvq": 0.0,1823 "taxes_nettes": 46112.5,1824 "taxes_nettes_pct": 13.181825 },1826 "occupant_280000": {1827 "prix": 280000,1828 "tps": 14000.0,1829 "tvq": 27930.0,1830 "taxes_brutes": 41930.0,1831 "remb_tps_general": 5040.0,1832 "remb_tps_premier_acheteur": 0.0,1833 "remb_tps_retenu": 5040.0,1834 "remb_tvq": 1995.0,1835 "taxes_nettes": 34895.0,1836 "taxes_nettes_pct": 12.461837 },1838 "occupant_premier_acheteur_650000": {1839 "prix": 650000,1840 "tps": 32500.0,1841 "tvq": 64837.5,1842 "taxes_brutes": 97337.5,1843 "remb_tps_general": 0.0,1844 "remb_tps_premier_acheteur": 32500.0,1845 "remb_tps_retenu": 32500.0,1846 "remb_tvq": 0.0,1847 "taxes_nettes": 64837.5,1848 "taxes_nettes_pct": 9.981849 },1850 "occupant_premier_acheteur_350000": {1851 "prix": 350000,1852 "tps": 17500.0,1853 "tvq": 34912.5,1854 "taxes_brutes": 52412.5,1855 "remb_tps_general": 6300.0,1856 "remb_tps_premier_acheteur": 17500.0,1857 "remb_tps_retenu": 17500.0,1858 "remb_tvq": 0.0,1859 "taxes_nettes": 34912.5,1860 "taxes_nettes_pct": 9.981861 },1862 "locatif_6_logements": {1863 "base_jvm_estimee": 1456774,1864 "tps": 72838.7,1865 "tvq": 145313.21,1866 "remb_tps_pct": 100,1867 "tps_nette": 0.0,1868 "remb_tvq": 0.0,1869 "note": "autocotisation à l'achèvement (JVM) ; remboursement bonifié de 100 % de la TPS (C-56 : locatif ≥ 4 logements, chantier commencé du 14 sept. 2023 au 31 déc. 2030) ; Québec non harmonisé : remboursement TVQ locatif 36 % max 7 182 $ par logement, nul si JVM du logement ≥ 225 000 $ → 0 $ ici (base estimée ÷ 6 ≈ 242 800 $/logement)"1870 }1871 },1872 "honoraires_methodes": {1873 "pourcentage": {1874 "base": 979718,1875 "taux": 4.0,1876 "montant": 391891877 },1878 "detail_convention": {1879 "architecte_pct": 2.5,1880 "ingenieurs_pct": 1.5,1881 "architecte": 24493,1882 "ingenieurs": 146961883 },1884 "horaire": {1885 "heures": 260,1886 "taux_horaire": 145,1887 "montant": 377001888 },1889 "forfait": {1890 "montant": 385001891 }1892 },1893 "profit_vs_marge": {1894 "cout": 1123220,1895 "profit_11_sur_cout": 123554,1896 "prix_equivalent": 1246774,1897 "marge_sur_prix_pct": 9.91,1898 "profit_pour_marge_11_sur_prix": 138825,1899 "taux_sur_cout_equivalent_marge_11_pct": 12.361900 },1901 "exemples_simples": {1902 "intercalaires_800000": {1903 "C": 800000,1904 "i": 7.0,1905 "T_mois": 10,1906 "I": 233331907 },1908 "cascade_vs_somme": {1909 "nus": 100000,1910 "cascade": 124805,1911 "somme_23pct": 1230001912 },1913 "permis_exemples": {1914 "travaux_277500": 1304,1915 "travaux_800000_4_log": 3760,1916 "petits_travaux_40000_1_log": 3351917 },1918 "extraction_originale": {1919 "prix": 1450000,1920 "terrain": 200000,1921 "directs": 900000,1922 "indirects": 180000,1923 "profit": 170000,1924 "pct": 15.71925 }1926 }1927 },1928 "verifications_originaux": [1929 {1930 "document": "IMM1003 S08 (original)",1931 "element": "temps C1 (5 %/an)",1932 "valeur_deck": 3600,1933 "valeur_recalculee": 3600,1934 "exact": true,1935 "note": "exact à 5 %/an, arrondi à la centaine dans le deck (valeur exacte 3625 $) ; taux non sourcé (APCIQ 2026 ≈ 2 %/an)"1936 },1937 {1938 "document": "IMM1003 S08 (original)",1939 "element": "temps C2 (5 %/an)",1940 "valeur_deck": 6900,1941 "valeur_recalculee": 6900,1942 "exact": true,1943 "note": "exact à 5 %/an, arrondi à la centaine dans le deck (valeur exacte 6917 $) ; taux non sourcé (APCIQ 2026 ≈ 2 %/an)"1944 },1945 {1946 "document": "IMM1003 S08 (original)",1947 "element": "temps C3 (5 %/an)",1948 "valeur_deck": 1900,1949 "valeur_recalculee": 1900,1950 "exact": true,1951 "note": "exact à 5 %/an, arrondi à la centaine dans le deck (valeur exacte 1917 $) ; taux non sourcé (APCIQ 2026 ≈ 2 %/an)"1952 },1953 {1954 "document": "IMM1003 S08 (original)",1955 "element": "temps C4 (5 %/an)",1956 "valeur_deck": 10600,1957 "valeur_recalculee": 10600,1958 "exact": true,1959 "note": "exact à 5 %/an, arrondi à la centaine dans le deck (valeur exacte 10625 $) ; taux non sourcé (APCIQ 2026 ≈ 2 %/an)"1960 },1961 {1962 "document": "IMM1003 S08 (original)",1963 "element": "net propriété C1",1964 "valeur_deck": -14000,1965 "valeur_recalculee": -14000,1966 "exact": true,1967 "note": ""1968 },1969 {1970 "document": "IMM1003 S08 (original)",1971 "element": "net propriété C2",1972 "valeur_deck": 60000,1973 "valeur_recalculee": 60000,1974 "exact": true,1975 "note": ""1976 },1977 {1978 "document": "IMM1003 S08 (original)",1979 "element": "net propriété C3",1980 "valeur_deck": -92000,1981 "valeur_recalculee": -92000,1982 "exact": true,1983 "note": ""1984 },1985 {1986 "document": "IMM1003 S08 (original)",1987 "element": "net propriété C4",1988 "valeur_deck": 13000,1989 "valeur_recalculee": 13000,1990 "exact": true,1991 "note": ""1992 },1993 {1994 "document": "IMM1003 S08 (original)",1995 "element": "prix ajusté final C2",1996 "valeur_deck": 481900,1997 "valeur_recalculee": 481900,1998 "exact": true,1999 "note": ""2000 },2001 {2002 "document": "IMM1003 S08 (original)",2003 "element": "moyenne des 4 indications",2004 "valeur_deck": 431250,2005 "valeur_recalculee": 431250.0,2006 "exact": true,2007 "note": ""2008 },2009 {2010 "document": "IMM1003 S08 (original)",2011 "element": "ampleur C3 brut %",2012 "valeur_deck": 20.4,2013 "valeur_recalculee": 20.4,2014 "exact": true,2015 "note": ""2016 },2017 {2018 "document": "IMM1003 S08 (original)",2019 "element": "ampleur C1 net %",2020 "valeur_deck": -2.4,2021 "valeur_recalculee": -2.4,2022 "exact": true,2023 "note": ""2024 },2025 {2026 "document": "IMM1003 S08 (original)",2027 "element": "financement : reprise 100 000 $ à 2 % vs 5 % (3 ans) — deck ≈ 10 000 $",2028 "valeur_deck": 10000,2029 "valeur_recalculee": 8170,2030 "exact": false,2031 "note": "montant posé sans calcul ; équivalence au comptant : 8 170 $ (3 ans) ou 12 990 $ (5 ans)"2032 },2033 {2034 "document": "IMM1003 S08 (original)",2035 "element": "financement (5 ans)",2036 "valeur_deck": 10000,2037 "valeur_recalculee": 12988,2038 "exact": false,2039 "note": "idem, 5 ans"2040 },2041 {2042 "document": "IMM1003 S09 (original)",2043 "element": "temps C1 : 410 000 × 5 % × 8/12",2044 "valeur_deck": 13667,2045 "valeur_recalculee": 13666.666666666666,2046 "exact": true,2047 "note": ""2048 },2049 {2050 "document": "IMM1003 S09 (original)",2051 "element": "indication C1",2052 "valeur_deck": 456167,2053 "valeur_recalculee": 456167,2054 "exact": true,2055 "note": ""2056 },2057 {2058 "document": "IMM1003 S09 (original)",2059 "element": "net C1 % (sans le temps)",2060 "valeur_deck": 7.9,2061 "valeur_recalculee": 7.9,2062 "exact": true,2063 "note": "convention différente de S08 (qui inclut le temps)"2064 },2065 {2066 "document": "IMM1003 S09 (original)",2067 "element": "brut C1 % (sans le temps)",2068 "valeur_deck": 11.8,2069 "valeur_recalculee": 11.8,2070 "exact": true,2071 "note": ""2072 },2073 {2074 "document": "IMM1003 S09 (original)",2075 "element": "temps C2 : 445 000 × 5 % × 3/12",2076 "valeur_deck": 5563,2077 "valeur_recalculee": 5562.5,2078 "exact": true,2079 "note": ""2080 },2081 {2082 "document": "IMM1003 S09 (original)",2083 "element": "indication C2",2084 "valeur_deck": 454663,2085 "valeur_recalculee": 454662.5,2086 "exact": true,2087 "note": ""2088 },2089 {2090 "document": "IMM1003 S09 (original)",2091 "element": "temps C3",2092 "valeur_deck": 10625,2093 "valeur_recalculee": 10625.0,2094 "exact": true,2095 "note": ""2096 },2097 {2098 "document": "IMM1003 S09 (original)",2099 "element": "indication C3",2100 "valeur_deck": 430125,2101 "valeur_recalculee": 430125,2102 "exact": true,2103 "note": ""2104 },2105 {2106 "document": "IMM1003 S09 (original)",2107 "element": "temps C4",2108 "valeur_deck": 3833,2109 "valeur_recalculee": 3833.3333333333335,2110 "exact": true,2111 "note": ""2112 },2113 {2114 "document": "IMM1003 S09 (original)",2115 "element": "localisation C4 −5 %",2116 "valeur_deck": -23192,2117 "valeur_recalculee": -23191.65,2118 "exact": true,2119 "note": ""2120 },2121 {2122 "document": "IMM1003 S09 (original)",2123 "element": "indication C4",2124 "valeur_deck": 389141,2125 "valeur_recalculee": 389141,2126 "exact": true,2127 "note": ""2128 },2129 {2130 "document": "IMM1003 S09 (original)",2131 "element": "net C4 %",2132 "valeur_deck": 16.2,2133 "valeur_recalculee": 16.2,2134 "exact": true,2135 "note": ""2136 },2137 {2138 "document": "IMM1003 S09 (original)",2139 "element": "temps C5",2140 "valeur_deck": 9125,2141 "valeur_recalculee": 9125.0,2142 "exact": true,2143 "note": ""2144 },2145 {2146 "document": "IMM1003 S09 (original)",2147 "element": "indication C5",2148 "valeur_deck": 484125,2149 "valeur_recalculee": 484125,2150 "exact": true,2151 "note": ""2152 },2153 {2154 "document": "IMM1003 S09 (original)",2155 "element": "quiz net 350 000 $",2156 "valeur_deck": 3.7,2157 "valeur_recalculee": 3.7,2158 "exact": true,2159 "note": ""2160 },2161 {2162 "document": "IMM1003 S09 (original)",2163 "element": "quiz brut",2164 "valeur_deck": 12.3,2165 "valeur_recalculee": 12.3,2166 "exact": true,2167 "note": ""2168 },2169 {2170 "document": "IMM1003 S09 (original)",2171 "element": "capitalisation garage 150 × 12 / 0,07",2172 "valeur_deck": 25700,2173 "valeur_recalculee": 25714.28571428571,2174 "exact": true,2175 "note": ""2176 },2177 {2178 "document": "IMM1003 S09 (original)",2179 "element": "financement : hypothèque 400 000 $ assumable 2 % vs 5 % — deck 12 000 $",2180 "valeur_deck": 12000,2181 "valeur_recalculee": 51954,2182 "exact": false,2183 "note": "NON ÉTAYÉ : montant posé sans base (solde, durée) ; sur 400 000 $ et 5 ans l'équivalence au comptant donne ≈ 51 954 $ ; S08 dit ≈ 10 000 $ pour 100 000 $"2184 },2185 {2186 "document": "IMM1033 S08 (original)",2187 "element": "exemple rapide : total 660 000 $",2188 "valeur_deck": 660000,2189 "valeur_recalculee": 660000.0,2190 "exact": true,2191 "note": ""2192 },2193 {2194 "document": "IMM1033 S08 (original)",2195 "element": "honoraires 8 logements",2196 "valeur_deck": 225500,2197 "valeur_recalculee": 225500,2198 "exact": true,2199 "note": ""2200 },2201 {2202 "document": "IMM1033 S08 (original)",2203 "element": "honoraires / directs 8 logements %",2204 "valeur_deck": 18.8,2205 "valeur_recalculee": 18.8,2206 "exact": true,2207 "note": "exact mais invraisemblable (convention du cours : 4 %)"2208 },2209 {2210 "document": "IMM1033 S08 (original)",2211 "element": "intercalaires 800 000 × 7 % × 10/12 × ½",2212 "valeur_deck": 23333,2213 "valeur_recalculee": 23333.33333333334,2214 "exact": true,2215 "note": ""2216 },2217 {2218 "document": "IMM1033 S08 (original)",2219 "element": "TPS 350 000 $",2220 "valeur_deck": 17500,2221 "valeur_recalculee": 17500.0,2222 "exact": true,2223 "note": ""2224 },2225 {2226 "document": "IMM1033 S08 (original)",2227 "element": "TVQ 350 000 $",2228 "valeur_deck": 34913,2229 "valeur_recalculee": 34912.5,2230 "exact": true,2231 "note": ""2232 },2233 {2234 "document": "IMM1033 S08 (original)",2235 "element": "remboursement TVQ à 350 000 $ (deck : 9 975 $)",2236 "valeur_deck": 9975,2237 "valeur_recalculee": 0.0,2238 "exact": false,2239 "note": "ERREUR : nul au-delà de 300 000 $"2240 },2241 {2242 "document": "IMM1033 S08 (original)",2243 "element": "taxes nettes 350 000 $ (deck : 36 138 $)",2244 "valeur_deck": 36138,2245 "valeur_recalculee": 46112.5,2246 "exact": false,2247 "note": "corrigé : 46 112,50 $ (13,2 %)"2248 },2249 {2250 "document": "IMM1033 S08 (original)",2251 "element": "assurances/légal 6 logements : 35 500 $",2252 "valeur_deck": 35500,2253 "valeur_recalculee": 35500,2254 "exact": true,2255 "note": "dont GCR 15 000 $ pour un 6 logements : plan non applicable (à confirmer)"2256 },2257 {2258 "document": "IMM1033 S08 (original)",2259 "element": "extraction du profit 15,7 %",2260 "valeur_deck": 15.7,2261 "valeur_recalculee": 15.7,2262 "exact": true,2263 "note": ""2264 },2265 {2266 "document": "IMM1033 S08 (original)",2267 "element": "exemple résidentiel : indirects 56 627 $",2268 "valeur_deck": 56627,2269 "valeur_recalculee": 56626.25,2270 "exact": true,2271 "note": ""2272 },2273 {2274 "document": "IMM1033 S08 (original)",2275 "element": "coût total 367 540 $",2276 "valeur_deck": 367540,2277 "valeur_recalculee": 367538.87500000006,2278 "exact": true,2279 "note": "exact (arrondi des lignes)"2280 },2281 {2282 "document": "IMM1033 S08 (original)",2283 "element": "coût total $/pi² 245",2284 "valeur_deck": 245,2285 "valeur_recalculee": 245.02666666666667,2286 "exact": true,2287 "note": ""2288 },2289 {2290 "document": "IMM1033 S08 (original)",2291 "element": "permis exemple résidentiel (10 $/1 000 $) 2 775 $",2292 "valeur_deck": 2775,2293 "valeur_recalculee": 2775.0,2294 "exact": true,2295 "note": "hypothèse 10 $/1 000 $ ; tarif de Gatineau : 4,70 $/1 000 $, min. 335 $/logement → 1 304 $"2296 },2297 {2298 "document": "IMM1033 S08 (original)",2299 "element": "commercial : indirects 205 375 $",2300 "valeur_deck": 205375,2301 "valeur_recalculee": 205375.0,2302 "exact": true,2303 "note": ""2304 },2305 {2306 "document": "IMM1033 S08 (original)",2307 "element": "commercial : total 1 098 020 $",2308 "valeur_deck": 1098020,2309 "valeur_recalculee": 1098020.0,2310 "exact": true,2311 "note": ""2312 },2313 {2314 "document": "IMM1033 S08 (original)",2315 "element": "6 logements : directs 692 200 $",2316 "valeur_deck": 692200,2317 "valeur_recalculee": 692200,2318 "exact": true,2319 "note": ""2320 },2321 {2322 "document": "IMM1033 S08 (original)",2323 "element": "6 logements : 128 $/pi²",2324 "valeur_deck": 128,2325 "valeur_recalculee": 128.1851851851852,2326 "exact": true,2327 "note": ""2328 },2329 {2330 "document": "IMM1033 S08 (original)",2331 "element": "taux directeur 2,25 % (15 juillet 2026)",2332 "valeur_deck": 2.25,2333 "valeur_recalculee": 2.5,2334 "exact": false,2335 "note": "périmé : 2,50 % depuis le 28 oct. 2026 (vérifié, Banque du Canada) ; préférentiel 4,70 %"2336 }2337 ]2338}