{"id":1608,"date":"2017-11-02T21:54:07","date_gmt":"2017-11-02T20:54:07","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html"},"modified":"2020-07-28T15:31:25","modified_gmt":"2020-07-28T13:31:25","slug":"un-achat-immobilier-ne-s-improvise-pas_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html","title":{"rendered":"Un achat immobilier ne s’improvise pas"},"content":{"rendered":"

Que l’on soit primo acc\u00e9dant, secondo acc\u00e9dant ou investisseur locatif, un achat immobilier ne s’improvise pas ! M\u00eame si les taux des cr\u00e9dits, encore tr\u00e8s bas et stables cet automne, peuvent d\u00e9clencher une r\u00e9action purement opportuniste, quelques rappels s’imposent avant de se lancer. <\/p>\n

Nerf de la guerre : le financement<\/strong><\/h2>\n

Avant m\u00eame de d\u00e9marrer toute recherche, il est indispensable de faire ses comptes et d’estimer en premier lieu ses possibilit\u00e9s d’apport personnel : \u00e9conomies et \u00e9pargne salariale (int\u00e9ressement, participation, plan d’\u00e9pargne retraite). Celle-ci est, en effet, mobilisable sans p\u00e9nalit\u00e9s pour financer une r\u00e9sidence principale. Dans l’id\u00e9al, cet apport est \u00e9quivalent aux fameux \u00ab frais de notaires \u00bb, soit 7 % \u00e0 8 % du prix du bien dans l’ancien et de 2 % \u00e0 3 % dans le neuf. Les banques sont cependant devenues moins bloquantes \u00e0 ce sujet et le PTZ peut servir d’apport personnel.<\/p>\n

Deuxi\u00e8me calcul important : la capacit\u00e9 d’emprunt<\/a> du futur acheteur qui s’obtient en additionnant toutes les ressources stables (salaires, treizi\u00e8me mois, primes r\u00e9currentes, etc.), d\u00e9duction faite des charges (imp\u00f4t sur le revenu, cr\u00e9dits \u00e0 la consommation\u2026). La th\u00e9orie veut que la mensualit\u00e9 du pr\u00eat \u00e0 rembourser ne doit pas exc\u00e9der le tiers de vos revenus nets mensuels. Ce montant peut se r\u00e9\u00e9valuer ensuite avec la banque en cas de revenus importants.<\/p>\n

Il est recommand\u00e9 de conserver une petite \u00e9pargne pour ne pas \u00eatre d\u00e9pourvu en cas de gros travaux comme le remplacement d’une chaudi\u00e8re, par exemple. <\/p>\n

\u00c9valuer au plus juste<\/strong><\/h2>\n

\u00catre s\u00fbr de ne pas surpayer payer son achat immobilier est l\u00e9gitime et il existe aujourd’hui plusieurs solutions d’estimations immobili\u00e8res auxquelles les futurs propri\u00e9taires peuvent faire appel avant de tenter de n\u00e9gocier le prix demand\u00e9.<\/p>\n

Le plus simple est d’estimer en ligne le bien pour lequel l’on vient d’avoir un coup de coeur. Ce service est, par exemple, propos\u00e9 gratuitement par le site meilleursagents.com<\/a> qui envoie trois estimations (basse, moyenne et haute) d’apr\u00e8s une vingtaine de crit\u00e8res.<\/p>\n

Il est \u00e9galement possible depuis cet \u00e9t\u00e9 d’avoir acc\u00e8s \u00e0 des r\u00e9f\u00e9rences de transactions via Patrim, la base de donn\u00e9es du fisc. Patrim recense la quasi-totalit\u00e9 des ventes intervenues en France sur les neuf derni\u00e8res ann\u00e9es et fournit gratuitement des donn\u00e9es chiffr\u00e9es sur les biens dans le voisinage de l’adresse indiqu\u00e9e.<\/p>\n

Plus performant, personnalis\u00e9 et pr\u00e9cis mais payant, le service propos\u00e9 par Scanmonachatimmo.com, start-up fond\u00e9e en mai 2016 par deux sp\u00e9cialistes de l’expertise immobili\u00e8re. Cette jeune soci\u00e9t\u00e9 \u00e9value pratiquement en temps r\u00e9el rapidement la qualit\u00e9 du bien en le passant au crible de plus de 600 crit\u00e8res.<\/p>\n

Un conseil n\u00e9anmoins : si le bien r\u00e9pond au cahier des charges et entre dans le budget, inutile de prendre le risque de passer \u00e0 c\u00f4t\u00e9 en le n\u00e9gociant<\/p>\n

Trouver sa banque<\/strong><\/h2>\n

Contrairement \u00e0 une id\u00e9e re\u00e7ue, <\/strong>le financement id\u00e9al n’est pas forc\u00e9ment celui qui affiche le meilleur taux<\/u>. Garantie, modularit\u00e9, assurance emprunteur: plusieurs param\u00e8tres doivent \u00eatre examin\u00e9s.
\nLa meilleure fa\u00e7on d’obtenir le meilleur pr\u00eat commence par mettre en concurrence les diff\u00e9rents \u00e9tablissements pr\u00eateurs.<\/p>\n

Facile \u00e0 \u00e9crire mais plus difficile \u00e0 mettre en oeuvre tout seul. Faire appel \u00e0 un professionnel, c\u2018est mettre toutes les chances de son c\u00f4t\u00e9. Confier cette t\u00e2che \u00e0 un <\/a>comme acecredit.fr (online ou en agence) permet de gagner en efficacit\u00e9 et en rapidit\u00e9 et se consacrer ainsi \u00e0 100% sur son achat ou \u00e0 sa recherche immobili\u00e8re. 
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Un achat immobilier que l\u2019on soit primo acc\u00e9dant, secondo acc\u00e9dant ou investisseur locatif ne s\u2019improvise pas, m\u00eame si les taux des cr\u00e9dits, encore tr\u00e8s bas et stables cet automne, peuvent d\u00e9clencher une r\u00e9action purement opportuniste. Avant de se lancer (et de conclure), quelques rappels s\u2019imposent.<\/p>\n","protected":false},"author":4,"featured_media":1609,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nR\u00e9ussir son achat immo \u00e0 coup s\u00fbr<\/title>\n<meta name=\"description\" content=\"Un achat immobilier ne s\u2019improvise pas, m\u00eame avec les taux des cr\u00e9dits, encore tr\u00e8s bas et stables de cet automne. Avant de se lancer, quelques rappels s\u2019imposent.\" \/>\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\/un-achat-immobilier-ne-s-improvise-pas_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9ussir son achat immo \u00e0 coup s\u00fbr\" \/>\n<meta property=\"og:description\" content=\"Un achat immobilier ne s\u2019improvise pas, m\u00eame avec les taux des cr\u00e9dits, encore tr\u00e8s bas et stables de cet automne. Avant de se lancer, quelques rappels s\u2019imposent.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2017-11-02T20:54:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:31:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/euro-870757-640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"426\" \/>\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=\"3 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\\\/un-achat-immobilier-ne-s-improvise-pas_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/un-achat-immobilier-ne-s-improvise-pas_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Un achat immobilier ne s’improvise pas\",\"datePublished\":\"2017-11-02T20:54:07+00:00\",\"dateModified\":\"2020-07-28T13:31:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/un-achat-immobilier-ne-s-improvise-pas_-n.html\"},\"wordCount\":619,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/un-achat-immobilier-ne-s-improvise-pas_-n.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/euro-870757-640.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/un-achat-immobilier-ne-s-improvise-pas_-n.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/euro-870757-640.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/euro-870757-640.jpg\",\"width\":640,\"height\":426},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/un-achat-immobilier-ne-s-improvise-pas_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Un achat immobilier ne s’improvise pas\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"R\u00e9ussir son achat immo \u00e0 coup s\u00fbr","description":"Un achat immobilier ne s\u2019improvise pas, m\u00eame avec les taux des cr\u00e9dits, encore tr\u00e8s bas et stables de cet automne. Avant de se lancer, quelques rappels s\u2019imposent.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"R\u00e9ussir son achat immo \u00e0 coup s\u00fbr","og_description":"Un achat immobilier ne s\u2019improvise pas, m\u00eame avec les taux des cr\u00e9dits, encore tr\u00e8s bas et stables de cet automne. Avant de se lancer, quelques rappels s\u2019imposent.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2017-11-02T20:54:07+00:00","article_modified_time":"2020-07-28T13:31:25+00:00","og_image":[{"width":640,"height":426,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/euro-870757-640.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Un achat immobilier ne s’improvise pas","datePublished":"2017-11-02T20:54:07+00:00","dateModified":"2020-07-28T13:31:25+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html"},"wordCount":619,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/euro-870757-640.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/euro-870757-640.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/euro-870757-640.jpg","width":640,"height":426},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-achat-immobilier-ne-s-improvise-pas_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Un achat immobilier ne s’improvise pas"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=1608"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1608\/revisions"}],"predecessor-version":[{"id":3697,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1608\/revisions\/3697"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/1609"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=1608"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=1608"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=1608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}