VTC rattle is normally only when cold. It could also be a timing chain rattle due to a bad tensioner. It is possible to be a bad water pump but it would be leaking like crazy making that noise. Either way, you will need to go into the front of the engine to find out for sure. How many miles on the car? Take your belt off and spin all your pulleys. If they check out good, you know what you have to do.
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