{"id":1574,"date":"2017-09-26T14:30:22","date_gmt":"2017-09-26T12:30:22","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-seniors-souhaitent-aussi-financer-leurs-projets_-n.html"},"modified":"2020-07-28T15:31:26","modified_gmt":"2020-07-28T13:31:26","slug":"credit-immobilier-les-seniors-souhaitent-aussi-financer-leurs-projets_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-seniors-souhaitent-aussi-financer-leurs-projets_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : les seniors souhaitent aussi financer leurs projets"},"content":{"rendered":"

A 50 ans, 60 ans et m\u00eame plus, les seniors d’aujourd’hui continuent \u00e0 avoir une vie professionnelle et sociale tr\u00e8s active et n’h\u00e9sitent plus \u00e0 se projeter dans des projets immobiliers de toute nature : logement pour famille recompos\u00e9e, r\u00e9sidence secondaire, logement pour ses enfants \u00e9tudiants ou jeunes actifs, investissement locatif pour compl\u00e9ment de retraite ou constitution de patrimoine.<\/p>\n

Comme n’importe quel emprunteur, ils vont alors se tourner vers les banques pour obtenir le financement de leur acquisition. Bonne nouvelle : les banques accordent beaucoup plus facilement des pr\u00eats aux seniors pour peu que ceux-ci privil\u00e9gient un pr\u00eat \u00e0 dur\u00e9e courte (15 ans).<\/p>\n

Un dossier bien pr\u00e9par\u00e9 et un apport personnel <\/strong><\/h2>\n

D’un point de vue strictement juridique, il n’existe aucune limite d’\u00e2ge pour emprunter. Et la client\u00e8le senior est appr\u00e9ci\u00e9e pour son s\u00e9rieux, sa fiabilit\u00e9<\/strong> et la stabilit\u00e9 de sa gestion financi\u00e8re. Elle dispose aussi tr\u00e8s souvent de produits d’\u00e9pargne et d’un apport personnel cons\u00e9quent, <\/strong>construit au fil des ans permettant de limiter d’autant la dur\u00e9e du pr\u00eat et le montant \u00e0 emprunter afin de finaliser son projet.<\/p>\n

Actuellement, il vaut mieux d’ailleurs s’endetter en profitant du niveau encore tr\u00e8s bas des taux d’int\u00e9r\u00eats des cr\u00e9dits immobiliers, plut\u00f4t que de mobiliser une \u00e9pargne d\u00e9j\u00e0 judicieusement plac\u00e9e \u00e0 des taux de r\u00e9mun\u00e9ration sup\u00e9rieurs.<\/p>\n

Anticiper sa baisse de revenus et trouver une assurance emprunteur<\/strong><\/h2>\n

Attention, le passage en retraite peut venir d\u00e9s\u00e9quilibrer les revenus. Avec un revenu en baisse, la capacit\u00e9 d’emprunt se trouve \u00e9galement diminu\u00e9e. Mais il est facile d’estimer le revenu qui sera per\u00e7u suite \u00e0 la liquidation de la retraite. A partir d’une simulation chiffr\u00e9e r\u00e9aliste<\/strong>, \u00e9tablir un plan de financement qui vise \u00e0 rassurer un banquier devient plus ais\u00e9, surtout si le contrat de pr\u00eat propose une modulation permettant d’adapter votre mensualit\u00e9.<\/p>\n

Emprunter jusqu’\u00e0 soixante-cinq ans ne pose pas de difficult\u00e9s particuli\u00e8res en mati\u00e8re d’assurance emprunteur<\/a>.<\/strong> La plupart des \u00e9tablissements financiers proposent des assurances groupe n\u00e9goci\u00e9es avec des organismes sp\u00e9cialis\u00e9s. Dans ce cas, tous les clients paient une assurance identique. C’est le principe de la mutualisation du risque, plut\u00f4t favorable en g\u00e9n\u00e9ral aux seniors.<\/p>\n

Pass\u00e9 cet \u00e2ge, la situation personnelle en mati\u00e8re de sant\u00e9  peut \u00e9voluer rapidement de mani\u00e8re significative. C’est l\u00e0 une v\u00e9ritable inconnue, et donc un risque majeur pour les banques et les assureurs. Les primes d’assurance d\u00e9c\u00e8s-invalidit\u00e9 deviennent alors plus importantes. Rien n’emp\u00eache, et c’est m\u00eame conseill\u00e9, de s’adresser \u00e0 un courtier en assurance et de faire jouer la concurrence via la d\u00e9l\u00e9gation d’assurance.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

A 50 ans, 60 ans et m\u00eame plus, les seniors d\u2019aujourd\u2019hui continuent \u00e0 avoir une vie professionnelle et sociale tr\u00e8s active et n\u2019h\u00e9sitent plus \u00e0 se projeter dans des projets immobiliers.Bonne nouvelle\u00a0: les banques accordent beaucoup plus facilement des pr\u00eats aux seniors pour peu que ceux-ci privil\u00e9gient un pr\u00eat \u00e0 dur\u00e9e courte (15 ans).<\/p>\n","protected":false},"author":4,"featured_media":1575,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nLes seniors ont des projets immobiliers \u00e0 financer<\/title>\n<meta name=\"description\" content=\"Les seniors d\u2019aujourd\u2019hui n\u2019h\u00e9sitent plus \u00e0 se projeter dans des projets 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