{"id":1698,"date":"2018-02-07T23:43:48","date_gmt":"2018-02-07T22:43:48","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-besoin-d-un-apport-personnel-en-2018_-n.html"},"modified":"2020-07-28T15:31:20","modified_gmt":"2020-07-28T13:31:20","slug":"credit-immobilier-besoin-d-un-apport-personnel-en-2018_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-besoin-d-un-apport-personnel-en-2018_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : besoin d\u2019un apport personnel en 2018 ?"},"content":{"rendered":"
Selon le dernier rapport annuel de l’Observatoire des cr\u00e9dits r\u00e9cemment publi\u00e9, les Fran\u00e7ais ont repris confiance et semblent en effet pr\u00eats \u00e0 s’endetter en souscrivant de nouveaux pr\u00eats, notamment le cr\u00e9dit immobilier : 5 % des m\u00e9nages envisagent d’y avoir recours.<\/p>\n

Pour autant, l’achat d’un logement \u00e0 cr\u00e9dit n’est pas chose ais\u00e9e. Pour obtenir un pr\u00eat immobilier, un apport personnel est souvent exig\u00e9<\/a> par le banquier. Mais qu’attendent les banques en mati\u00e8re d’apport personnel ? Quelle est la tendance en 2018 ?<\/p>\n

L’apport personnel, c’est tout simplement l’argent dont dispose un acqu\u00e9reur pour financer une partie de son achat immobilier<\/strong>, le pr\u00eat bancaire venant en compl\u00e9ment pour payer l’ensemble de l’acquisition. Pour la grande majorit\u00e9 des emprunteurs, il provient de l’\u00e9pargne personnelle, d’une aide parentale ou de plus en plus souvent de pr\u00eats sp\u00e9cifiques d\u00e9di\u00e9s \u00e0 cet effet type PTZ.<\/div>\n

Un montant \u00e9lev\u00e9 offre de meilleures conditions financi\u00e8res<\/strong><\/h2>\n
Pourquoi les banques appr\u00e9cient-elles un apport personnel le plus cons\u00e9quent possible ? Pour plusieurs (bonnes) raisons. D’une part, cet apport diminue d’autant le montant \u00e0 emprunter, donc le risque de non remboursement pour la banque qui va ainsi pouvoir proposer des conditions de cr\u00e9dit plus favorables (dur\u00e9e, taux)<\/strong>. Ensuite, parce que cela prouve \u00e0 la banque que l’emprunteur a d\u00e9j\u00e0 \u00e9t\u00e9 capable de faire un r\u00e9el effort d’\u00e9pargne<\/strong> pendant quelques ann\u00e9es. C’est donc un signal tr\u00e8s positif sur sa fiabilit\u00e9.<\/p>\n

En France, un acheteur met en moyenne sept ans \u00e0 \u00e9pargner<\/strong> la somme n\u00e9cessaire, selon une \u00e9tude mondiale de la banque britannique HSBC. C’est d’ailleurs le pays o\u00f9 la constitution d’un apport prend le plus de temps, loin derri\u00e8re le Royaume-Uni o\u00f9 cette moyenne est de 3 ans. Et c’est normal, les primo-acc\u00e9dants fran\u00e7ais sont parmi les moins nombreux \u00e0 compter sur une aide financi\u00e8re de leurs parents : 28% seulement en ont b\u00e9n\u00e9fici\u00e9 contre 66% en Chine !<\/div>\n

Pas d’apport ? Il faut des garanties<\/strong><\/h2>\n
Dans un sch\u00e9ma classique de financement d’un logement, l’apport personnel \u00e9tait consid\u00e9r\u00e9 jusqu’alors comme les fonds permettant de r\u00e9gler les frais dit \u00ab de notaire \u00bb <\/strong>(autour de 3 % pour l’acquisition d’un logement neuf et de 7 % environ pour de l’ancien).<\/p>\n

Aujourd’hui, les banques sont plus souples<\/strong> et accordent des cr\u00e9dits immobiliers avec des apports beaucoup plus faibles et parfois m\u00eame sans apport personnel <\/strong>du tout. Mais attention, dans ces cas, elles exigent des garanties s\u00e9rieuses. Niveau et r\u00e9gularit\u00e9 des revenus, stabilit\u00e9 professionnelle, situation matrimoniale, taux d’endettement forc\u00e9ment inf\u00e9rieur \u00e0 30%, potentiel d’\u00e9volution, toutes ces donn\u00e9es entrent en ligne de compte et peuvent jouer en faveur d’un jeune emprunteur ou encore mieux d’un jeune m\u00e9nage.<\/p>\n

Les propri\u00e9taires fran\u00e7ais consacrent ainsi en moyenne 36% de leurs revenus mensuels au paiement de leurs \u00e9ch\u00e9ances, jusqu’\u00e0 plus de 40% chez les plus jeunes n\u00e9s entre 1981 et 1998, pr\u00e9cise HSBC.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Selon le dernier rapport annuel de l’Observatoire des cr\u00e9dits r\u00e9cemment publi\u00e9,\u00a05\u00a0% des m\u00e9nages envisagent d\u2019avoir recours au cr\u00e9dit immobilier. Pour obtenir un pr\u00eat immobilier, un apport personnel est souvent exig\u00e9 par le banquier. Mais \u00e0 quelle hauteur\u00a0? Quelle est la tendance en 2018\u00a0?<\/p>\n","protected":false},"author":4,"featured_media":1699,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nfaut-il un apport personnel en 2018 ?<\/title>\n<meta name=\"description\" content=\"Pour obtenir un pr\u00eat immobilier, un apport personnel est souvent exig\u00e9 par le banquier. Mais \u00e0 quelle hauteur\u00a0? 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