{"id":1958,"date":"2018-10-31T18:51:23","date_gmt":"2018-10-31T17:51:23","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/emprunter-sans-apport-reve-ou-realite_-n.html"},"modified":"2020-07-28T15:30:42","modified_gmt":"2020-07-28T13:30:42","slug":"emprunter-sans-apport-reve-ou-realite_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/emprunter-sans-apport-reve-ou-realite_-n.html","title":{"rendered":"Emprunter sans apport : r\u00eave ou r\u00e9alit\u00e9 ?"},"content":{"rendered":"<div>Accord\u00e9 au cas par cas avec un dossier solide, le cr\u00e9dit immobilier sans apport personnel<\/a> est \u00e0 nouveau au go\u00fbt du jour. Ce financement d&rsquo;un achat immobilier reste cependant peu courant et <strong>atypique<\/strong>. Il est \u00e0 r\u00e9server aux<strong> jeunes actifs en CDI<\/strong>, aux <strong>investisseurs <\/strong>et aux <strong>\u00e9pargnants <\/strong>capables d&rsquo;apporter de solides garanties.<\/p>\n<p>Une acquisition immobili\u00e8re se cofinance par un apport personnel de l&#8217;emprunteur et le recours \u00e0 un pr\u00eat immobilier, d&rsquo;autant plus que les conditions d&rsquo;octroi de cr\u00e9dit restent tr\u00e8s largement favorables aux emprunteurs cet automne. Traditionnellement, on estime le niveau de cet apport destin\u00e9 \u00e0 r\u00e9gler diff\u00e9rents frais (frais de notaire, frais de dossier, etc.) entre 10 \u00e0 15 %.<\/p><\/div>\n<h2>Pour qui et pour quel bien ?<\/h2>\n<div>Le fait de ne pas avoir d&rsquo;apport&nbsp;personnel n\u00e9cessite que les banques financent l&rsquo;investissement&nbsp;\u00e0 <strong>100% ou 110%<\/strong> (tout frais inclus). Les taux accord\u00e9s dans ce cadre sont plus \u00e9lev\u00e9s (environ 0,10 \u00e0 0,20% de plus) que ceux des pr\u00eats \u00ab\u00a0usuels\u00a0\u00bb, ce qui peut co\u00fbter cher sur une longue p\u00e9riode.<\/p>\n<p>Trois cat\u00e9gories d&#8217;emprunteur peuvent y pr\u00e9tendre : les <strong>jeunes <\/strong>r\u00e9cemment entr\u00e9s dans la vie active en <strong>CDI dans un emploi stable<\/strong>, qui n&rsquo;ont pas encore eu le temps de mettre d&rsquo;argent de c\u00f4t\u00e9 et qui ne souhaitent plus payer un loyer \u00e0 fonds perdu ; les particuliers qui disposent d&rsquo;une solide \u00e9pargne mais souhaitent <strong>conserver leurs placements<\/strong> tels qu&rsquo;une assurance vie et enfin l&rsquo;investisseur pur et dur qui va avant tout r\u00e9aliser une op\u00e9ration de <strong>d\u00e9fiscalisation<\/strong>.<\/p>\n<p>Un \u00e9l\u00e9ment important entre aussi dans la d\u00e9cision d&rsquo;accorder ou non un pr\u00eat immobilier sans apport : <strong>l&#8217;emplacement <\/strong>et la <strong>nature <\/strong>du bien convoit\u00e9.&nbsp;Avec un pr\u00eat \u00e0 100% ou 110 %, la dette immobili\u00e8re concerne la totalit\u00e9 de la valeur du bien. L&rsquo;objectif de la banque est d<strong>&lsquo;estimer les risques<\/strong> li\u00e9s \u00e0 une \u00e9ventuelle baisse des prix en cas de revente \u00e0 une valeur inf\u00e9rieure au prix d&rsquo;achat, ce qui mettra imm\u00e9diatement l&#8217;emprunteur en grande difficult\u00e9.<\/div>\n<h2>Des conditions sine qua&nbsp;non<\/h2>\n<p>Pour voir son dossier accept\u00e9, le futur acqu\u00e9reur devra montrer patte&nbsp;blanche&nbsp;ou plut\u00f4t comptes bancaires sains et bien g\u00e9r\u00e9s. Cela implique de n&rsquo;avoir eu<strong> aucun incident sur son compte bancaire <\/strong>depuis au moins 6 mois, avoir <strong>peu de cr\u00e9dits en cours<\/strong> et m\u00eame (encore mieux) aucun, une <strong>\u00e9pargne \u00e0 d\u00e9poser<\/strong> sur l&rsquo;un des placements commercialis\u00e9s par l&rsquo;\u00e9tablissement pr\u00eateur et surtout disposer d&rsquo;un revenu lui permettant un <strong>\u00ab\u00a0reste \u00e0 vivre\u00a0\u00bb suffisant<\/strong>. Pour m\u00e9moire : le pourcentage au-del\u00e0 duquel le poids du remboursement est jug\u00e9 d\u00e9s\u00e9quilibr\u00e9 a longtemps \u00e9t\u00e9 fix\u00e9 \u00e0 33 % du revenu net disponible.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Accord\u00e9 au cas par cas avec un dossier solide, le cr\u00e9dit immobilier sans apport personnel est \u00e0 nouveau au go\u00fbt du jour. Ce financement reste cependant peu courant et atypique. Il est \u00e0 r\u00e9server aux jeunes actifs en CDI, aux investisseurs et aux \u00e9pargnants capables d\u2019apporter de solides garanties.<\/p>\n","protected":false},"author":4,"featured_media":1959,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1958","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qui peut emprunter sans apport ?<\/title>\n<meta name=\"description\" content=\"Accord\u00e9 au cas par cas, le cr\u00e9dit immobilier sans apport personnel est peu courant, \u00e0 r\u00e9server aux jeunes en CDI, aux investisseurs et aux \u00e9pargnants avec de solides garanties.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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