{"id":1286,"date":"2016-11-14T09:14:26","date_gmt":"2016-11-14T08:14:26","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-dossier-prepare-c-est-le-meilleur-taux-assure_-n.html"},"modified":"2020-07-28T15:31:33","modified_gmt":"2020-07-28T13:31:33","slug":"un-dossier-prepare-c-est-le-meilleur-taux-assure_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-dossier-prepare-c-est-le-meilleur-taux-assure_-n.html","title":{"rendered":"Un dossier pr\u00e9par\u00e9, c’est le meilleur taux assur\u00e9"},"content":{"rendered":"

Pour la convaincre du caract\u00e8re r\u00e9alisable du projet immobilier souhait\u00e9 et du bien fond\u00e9 de votre demande de cr\u00e9dit immobilier<\/a>, il faudra \u2013 et ce sera obligatoire- lui pr\u00e9senter un dossier complet de votre situation personnelle et financi\u00e8re ainsi qu’une description pr\u00e9cise de votre projet d’achat immobilier. Le tout par \u00e9crit et avec des pi\u00e8ces justificatives officielles. Et bien s\u00fbr, si l’achat se fait \u00e0 deux, ce sont deux dossiers qu’il faudra avoir compl\u00e9t\u00e9 lors de la demande de financement d\u00e9finitive. Et ce dossier sera d\u00e9terminant pour le calcul de votre futur taux d’int\u00e9r\u00eat<\/a>. Comment mettre toutes les chances de son c\u00f4t\u00e9 ?
\n <\/p>\n

Etre capable de pr\u00e9senter ses 3 derniers relev\u00e9s de comptes sans d\u00e9couvert bancaire<\/strong><\/h2>\n

Les 3 derniers relev\u00e9s de compte de l’emprunteur vont \u00eatre litt\u00e9ralement \u00e9pluch\u00e9s : virement, achats, pr\u00e9l\u00e8vements automatiques. L’objectif pour le demandeur est de montrer un profil financier d’achats maitris\u00e9s et encore mieux d’\u00e9pargnant m\u00eame avec de petits montants, quitte \u00e0 mettre en place un virement automatique quelques mois avant.<\/p>\n

Ne plus avoir de cr\u00e9dits \u00e0 la consommation en cours<\/strong><\/h2>\n

Ou alors les rembourser au plus vite car la banque va en tenir compte dans le calcul du cr\u00e9dit qu’elle peut accorder afin de ne pas d\u00e9passer 33 % d’endettement. Attention, leur d\u00e9claration est obligatoire.<\/p>\n

Un apport de 10% minimum<\/strong><\/h2>\n

Aujourd’hui, la majorit\u00e9 des banques demande un apport de 10 % du montant du bien afin de couvrir au moins les frais de notaire et de garantie. On peut encore emprunter sans apport, surtout si on est jeune, mais attention, les taux d’int\u00e9r\u00eat seront plus \u00e9lev\u00e9s. Disposer d’un apport personnel cons\u00e9quent, de 20 % \u00e0 30 %, va r\u00e9ellement permettre de n\u00e9gocier au mieux le taux d’int\u00e9r\u00eat le plus bas possible<\/p>\n

Avoir une situation professionnelle stable<\/strong><\/h2>\n

C’est LA garantie pour la banque d’avoir des revenus r\u00e9guliers et suffisants durant toute la dur\u00e9e du pr\u00eat. Avantage donc \u00e0 l’emprunteur en CDI et encore mieux aux couples en CDI et\/ou fonctionnaires, avec des perspectives d’\u00e9volution.<\/p>\n

Souscrire \u00e0 d’autres produits bancaires<\/strong><\/h2>\n

En plus du cr\u00e9dit immobilier, la banque va chercher \u00e0 placer d’autres produits et services bancaires. Avoir de l’\u00e9pargne \u00e0 rapatrier et\/ou prendre son assurance habitation aupr\u00e8s de la nouvelle banque sont des \u00e9l\u00e9ments qui vont aussi jouer en votre faveur.
\n 
\nN\u00e9anmoins si vous souhaitez dans un premier vous faire une id\u00e9e d\u00e9j\u00e0 assez pr\u00e9cise de sa capacit\u00e9 de financement et d’obtenir des simulations de cr\u00e9dit<\/a>, il existe un moyen tr\u00e8s simple, rapide et sans engagement : tout simplement en d\u00e9posant une demande de cr\u00e9dit immobilier en ligne.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Avant d\u2019accorder un pr\u00eat immobilier, la banque va chercher \u00e0 \u00eatre rassurer sur la r\u00e9gularit\u00e9 de vos revenus et sur votre capacit\u00e9 \u00e0 rembourser. C’est d\u00e9terminant pour le calcul de votre futur taux d\u2019int\u00e9r\u00eat. Comment mettre toutes les chances de son c\u00f4t\u00e9\u00a0?<\/p>\n","protected":false},"author":4,"featured_media":1287,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nUn dossier pr\u00e9par\u00e9, c'est un taux moins cher assur\u00e9<\/title>\n<meta name=\"description\" content=\"Lors d'un pr\u00eat immobilier, la banque va se rassurer sur vos revenus et votre capacit\u00e9 \u00e0 rembourser pour calculer votre taux d\u2019int\u00e9r\u00eat. 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