10 actions pour la protection du public
Chaque transaction immobilière implique, autant pour un particulier que pour une entreprise, des enjeux financiers et humains importants.
Par le biais de la Loi sur le courtage immobilier, le gouvernement du Québec a confié à l’Organisme d’autoréglementation du courtage immobilier du Québec (OACIQ) la mission exclusive de protéger le public qui utilise les services d’un courtier immobilier.
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)
01 - Le centre de renseignements Info OACIQPremier endroit à contacter pour toute question en lien avec le courtage immobilier. En 2019, le taux de satisfaction du public ayant contacté un agent d’information s’élevait à 98 %. |
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02 - Le site oaciq.comPlateforme de diffusion de contenu actuel et de conseils pratiques, notre site web a accueilli 1,4 million de visiteurs en 2019. L’outil Vérifier le dossier d’un courtier est sans aucun doute un incontournable pour toute personne en processus d’achat ou de vente avec un courtier.
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44 %
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03 - Le Service d'assistance au publicPour chaque demande, la nature de la plainte a été examinée par un responsable qui a identifié le traitement à lui accorder, puis accompagné le plaignant tout au long du processus. En savoir plus sur le Service d’assistance au public
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04 - Le Service de la certificationLes aspirants courtiers doivent passer les examens supervisés par le Service de la certification. Ils peuvent ensuite demander la délivrance d’un permis. En 2019, 1 962 demandes de délivrance de permis ont été traitées.
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2 272
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05 - Le Service d'inspectionLes inspections permettent à l’OACIQ de s’assurer que les activités et les compétences des titulaires de permis sont ou deviennent conformes à la Loi sur le courtage immobilier.
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2 330
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06 - Une formation continue pour les courtiersUn programme de formation continue obligatoire doit être suivi par tous les titulaires de permis et ils doivent cumuler un nombre déterminé d’unités de formation continue (UFC) pour que leur permis demeure valide. En 2019, le Service de la formation a octroyé plus de 187 000 unités de formation continue.
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07 - Le comité de disciplinePour les sanctions, le comité de discipline tient compte du préjudice causé par l’infraction et des avantages qui en ont été tirés. En 2019, 81 permis ont été suspendus et 19 ont été révoqués, et 100 amendes ont été imposées pour un total de 195 000 $. En savoir plus sur le comité de discipline
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08 - Le SyndicLe Bureau du syndic enquête sur des allégations de manquement à la Loi sur le courtage immobilier et ses règlements.
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340
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09 - Le Fonds d'assurance responsabilité professionnelle du courtage immobilier du Québec (FARCIQ)
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![]() 697
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10 - Le Fonds d'indemnisation du courtage immobilier (FICI)Le montant maximal d’indemnité pouvant être versé au public victime de fraudes, de manœuvres dolosives ou de détournements de fonds est de 100 000 $ par réclamation. En 2019, 5 demandes d’indemnisation ont été accueillies, pour un montant total de 70 678 $.
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40
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