{"id":1105,"date":"2015-11-05T12:04:45","date_gmt":"2015-11-05T11:04:45","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-vefa-permet-d-acheter-un-bien-immobilier-sur-plan_-n.html"},"modified":"2020-07-28T15:33:06","modified_gmt":"2020-07-28T13:33:06","slug":"le-pret-vefa-permet-d-acheter-un-bien-immobilier-sur-plan_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-vefa-permet-d-acheter-un-bien-immobilier-sur-plan_-n.html","title":{"rendered":"Le pr\u00eat VEFA permet d&rsquo;acheter un bien immobilier sur plan"},"content":{"rendered":"<p>Le pr\u00eat VEFA peut concerner votre r\u00e9sidence principale ou un bien achet\u00e9 dans le cadre d&rsquo;un investissement. Bon nombre de particuliers ach\u00e8tent en VEFA dans le but de louer ensuite leur bien neuf, qui n&rsquo;aura besoin que de peu d&rsquo;entretien dans les premi\u00e8res ann\u00e9es.<\/p>\n<h2>Dans le cadre d&rsquo;un pr\u00eat VEFA, le capital est lib\u00e9r\u00e9 par tranche, selon un calendrier pr\u00e9cis.<\/h2>\n<p>Lorsque vous achetez en VEFA, vous ne versez pas la totalit\u00e9 de la somme due au promoteur lors de la signature pour l&rsquo;acquisition. Les versements ont lieu au fur et \u00e0 mesure de l&rsquo;avancement des travaux. La banque d\u00e9bloque donc les fonds en fonction d&rsquo;\u00e9tapes pr\u00e9cises&nbsp;:<br \/>\n&nbsp;<\/p>\n<ul>\n<li>2 \u00e0 5% lors de la r\u00e9servation du bien et de la signature du contrat&nbsp;;&nbsp;<\/li>\n<li>35 % maximum lorsque les fondations sont certifi\u00e9es termin\u00e9es par un expert&nbsp;;<\/li>\n<li>70 % maximum \u00e0 la mise hors des eaux et hors d&rsquo;air&nbsp;;<\/li>\n<li>95 % maximum lorsque l&rsquo;immeuble ou le bien est termin\u00e9.<\/li>\n<\/ul>\n<p>Il reste \u00e0 verser 5 % de la somme, un montant qui demeure consign\u00e9 jusqu&rsquo;\u00e0 la remise des cl\u00e9s et l&rsquo;installation, afin de palier aux soucis de non-conformit\u00e9 du bien.<\/p>\n<h2>\nQuand commencez-vous \u00e0 rembourser votre pr\u00eat VEFA&nbsp;?<\/h2>\n<p>Le pr\u00eat VEFA est \u00e0 rembourser d\u00e8s le premier versement, lors de la r\u00e9servation du bien. Mais ces premi\u00e8res mensualit\u00e9s ne portent que sur les int\u00e9r\u00eats des sommes vers\u00e9es et non sur la totalit\u00e9 du cr\u00e9dit. Vous ne rembourserez les mensualit\u00e9s compl\u00e8tes que lorsque l&rsquo;ensemble du pr\u00eat aura \u00e9t\u00e9 d\u00e9bloqu\u00e9. Cela vous permet de continuer \u00e0 payer votre loyer ou votre pr\u00e9c\u00e9dent cr\u00e9dit, en attendant l&rsquo;ach\u00e8vement de construction de votre bien.<\/p>\n<h2>Les pr\u00e9cautions \u00e0 prendre pour acheter en VEFA<\/h2>\n<p>Comme pour toute acquisition immobili\u00e8re, il est pr\u00e9f\u00e9rable de faire encadrer son achat par un notaire. Prot\u00e9gez-vous \u00e9galement en demandant au promoteur de vous fournir une garantie d&rsquo;ach\u00e8vement de l&rsquo;immeuble ou une garantie de remboursement des sommes vers\u00e9es en cas d&rsquo;inach\u00e8vement de l&rsquo;immeuble. Une fois le bien immobilier termin\u00e9, notez que la garantie constructeur, qui dure 10 ans, court \u00e0 partir de la r\u00e9ception du logement, c&rsquo;est-\u00e0-dire \u00e0 partir du moment o\u00f9 vous recevez les cl\u00e9s et o\u00f9 vous acceptez le bien.<\/p>\n<p>Pour r\u00e9aliser votre projet, n&rsquo;h\u00e9sitez pas \u00e0 r\u00e9aliser gratuitement une demande de cr\u00e9dit sur notre site<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Afin de pouvoir acheter sur plan, il existe le pr\u00eat VEFA, qui signifie Vente en Etat Futur d\u2019Ach\u00e8vement. Il vous permet de verser les sommes dues en fonction de l\u2019avanc\u00e9e des travaux et vous prot\u00e8ge&#8230;<\/p>\n","protected":false},"author":4,"featured_media":1106,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le pr\u00eat VEFA permet d&#039;acheter un bien immobilier sur plan - Ace Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-vefa-permet-d-acheter-un-bien-immobilier-sur-plan_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le pr\u00eat VEFA permet d&#039;acheter un bien immobilier sur plan - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Afin de pouvoir acheter sur plan, il existe le pr\u00eat VEFA, qui signifie Vente en Etat Futur d\u2019Ach\u00e8vement. Il vous permet de verser les sommes dues en fonction de l\u2019avanc\u00e9e des travaux et vous prot\u00e8ge...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-vefa-permet-d-acheter-un-bien-immobilier-sur-plan_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2015-11-05T11:04:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:33:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/piggy-bank-970340-6404.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"418\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/le-pret-vefa-permet-d-acheter-un-bien-immobilier-sur-plan_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/le-pret-vefa-permet-d-acheter-un-bien-immobilier-sur-plan_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Le pr\u00eat VEFA permet d&rsquo;acheter un bien immobilier sur 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