{"id":1123,"date":"2015-11-25T09:47:33","date_gmt":"2015-11-25T08:47:33","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-d-endettement-quelle-est-la-limite_-n.html"},"modified":"2020-07-28T15:33:06","modified_gmt":"2020-07-28T13:33:06","slug":"taux-d-endettement-quelle-est-la-limite_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-d-endettement-quelle-est-la-limite_-n.html","title":{"rendered":"Taux d’endettement, quelle est la limite ?"},"content":{"rendered":"

Si vous souhaitez faire une demande de cr\u00e9dit immobilier aupr\u00e8s d’un organisme financier, sachez qu’en plus de vos revenus r\u00e9guliers, votre taux d’endettement sera \u00e9galement pris en compte. ACE Cr\u00e9dit revient en d\u00e9tail sur ce param\u00e8tre incontournable du cr\u00e9dit immobilier.<\/p>\n

Un taux d’endettement limit\u00e9 \u00e0 33 %<\/h2>\n

En France, les banques consid\u00e8rent qu’elles peuvent accorder un cr\u00e9dit immobilier tant que le taux d’endettement du foyer concern\u00e9 ne d\u00e9passe pas 33 % des revenus nets mensuels. Il ne s’agit pas d’un ratio \u00e9tabli par la loi, mais plut\u00f4t d’une fa\u00e7on pour les banques de se pr\u00e9munir des risques d’impay\u00e9. Cela permet \u00e9galement \u00e0 l’emprunteur de garder un niveau de vie d\u00e9cent, en \u00e9vitant les probl\u00e9matiques de surendettement, tandis qu’il rembourse son cr\u00e9dit.<\/p>\n

Un taux d’endettement calcul\u00e9 en fonction du \u00ab reste \u00e0 vivre \u00bb<\/h2>\n

Dans les faits, ce taux peut varier en fonction des revenus de l’emprunteur. Pour les foyers aux revenus les plus modestes, ce taux est plus de l’ordre de 30 %. Par contre, pour les m\u00e9nages aux revenus ais\u00e9s, ce taux d’endettement peut d\u00e9passer 35 %. En effet, les banques et autres organismes de financement consid\u00e8rent que le \u00ab reste \u00e0 vivre \u00bb de tels types de revenus est plus que suffisant, et que le remboursement du cr\u00e9dit immobilier ne vient pas mettre en danger la sant\u00e9 financi\u00e8re du foyer.<\/p>\n

Limiter les emprunts annexes<\/h2>\n
Les \u00e9ventuels pr\u00eats contract\u00e9s avant votre demande de cr\u00e9dit immobilier, qu’il s’agisse de pr\u00eat \u00e0 la consommation, cr\u00e9dit auto, pr\u00eat personnel ou autre, impactent le dossier que vous constituerez. Ainsi, si vous \u00eates sur le point de faire une demande de cr\u00e9dit immobilier, il peut \u00eatre int\u00e9ressant de r\u00e9duire votre taux d’endettement au pr\u00e9alable, si possible. Il est par ailleurs plus judicieux de ne pas forc\u00e9ment atteindre cette limite, de sorte qu’il reste toujours un peu de lest \u00e0 vos possibilit\u00e9s de cr\u00e9dit. Vous aurez alors de quoi mettre \u00e0 profit cette capacit\u00e9 d’emprunt restante dans d’autres domaines, comme les voyages, les \u00e9tudes des enfants ou encore des travaux.
\n <\/div>\n

Faire varier son taux d’endettement<\/h2>\n

Si vous avez eu un coup de coeur pour un bien immobilier, sachez toutefois qu’il existe une fa\u00e7on simple de faire descendre ce taux et de vous permettre d’emprunter, sans d\u00e9passer la limite pr\u00e9vue par les banques. Il suffit d’allonger le temps de cr\u00e9dit, et passer par exemple de 20 \u00e0 25 ans de remboursement de pr\u00eat. Il vous en co\u00fbtera plus cher en int\u00e9r\u00eats, mais cela vous permettra \u00e9galement de b\u00e9n\u00e9ficier d’une capacit\u00e9 d’emprunt plus grande. Chez ACE Cr\u00e9dit, nous nous tenons \u00e0 votre disposition pour discuter de vos projets et vous conseiller dans ce sens.
\n 
\nN’h\u00e9sitez pas \u00e0 r\u00e9aliser gratuitement une demande de cr\u00e9dit sur notre site<\/a>.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Si vous souhaitez faire une demande de cr\u00e9dit immobilier aupr\u00e8s d\u2019un organisme financier, sachez qu\u2019en plus de vos revenus r\u00e9guliers, votre taux d\u2019endettement sera \u00e9galement pris en compte. ACE Cr\u00e9dit revient en d\u00e9tail sur ce param\u00e8tre incontournable du cr\u00e9dit immobilier.<\/p>\n","protected":false},"author":4,"featured_media":1124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nTaux d'endettement, quelle est la limite ? - 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\/taux-d-endettement-quelle-est-la-limite_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Taux d'endettement, quelle est la limite ? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Si vous souhaitez faire une demande de cr\u00e9dit immobilier aupr\u00e8s d\u2019un organisme financier, sachez qu\u2019en plus de vos revenus r\u00e9guliers, votre taux d\u2019endettement sera \u00e9galement pris en compte. 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