{"id":2042,"date":"2019-02-14T00:07:46","date_gmt":"2019-02-13T23:07:46","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-emprunter-a-deux-c-est-mieux_-n.html"},"modified":"2020-07-28T15:30:40","modified_gmt":"2020-07-28T13:30:40","slug":"immobilier-emprunter-a-deux-c-est-mieux_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-emprunter-a-deux-c-est-mieux_-n.html","title":{"rendered":"Immobilier : emprunter \u00e0 deux, c\u2019est mieux !"},"content":{"rendered":"<p>L&rsquo;achat d&rsquo;un logement constitue souvent le <strong>principal investissement d&rsquo;un couple<\/strong>, surtout pour les plus jeunes. Les cons\u00e9quences juridiques de cette acquisition d\u00e9pendent de la situation familiale connue au moment de la signature chez le notaire. S&rsquo;il est plus facile d&#8217;emprunter \u00e0 deux, mieux vaut anticiper les dispositions afin d&rsquo;\u00e9viter d&rsquo;\u00e9ventuelles complications \u00e0 l&rsquo;achat et \u00e0 la revente.<\/p>\n<h2><strong>Acheter en couple<\/strong><\/h2>\n<p>Choisir d&rsquo;investir \u00e0 deux dans sa r\u00e9sidence principale est un acte r\u00e9ellement tr\u00e8s engageant, assimil\u00e9 \u00e0 la premi\u00e8re \u00e9tape de la <strong>constitution <\/strong>d&rsquo;un foyer et d&rsquo;un <strong>patrimoine commun<\/strong>. Il sera plus ais\u00e9 \u00e0 un couple d&rsquo;obtenir un pr\u00eat dans de bonnes conditions et \u00e0 un taux particuli\u00e8rement attractif. En effet, les banques sont <strong>plus enclines \u00e0 pr\u00eater aux amoureux <\/strong>qui souhaitent devenir propri\u00e9taires, surtout les jeunes trentenaires, \u00e0 double revenu. Ce profil est particuli\u00e8rement <strong>recherch\u00e9 <\/strong>par tout \u00e9tablissement bancaire pour trois raisons : le risque de non remboursement r\u00e9parti sur deux personnes (et non plus sur une seule dans le cas des c\u00e9libataires), la <strong>capacit\u00e9 de remboursement plus grande<\/strong> gr\u00e2ce aux deux salaires (de m\u00eame que l&rsquo;apport) et de frais fixes mutualis\u00e9s par le fait de vivre ensemble (imp\u00f4t, voiture, assurance, \u00e9lectricit\u00e9, \u2026).<\/p>\n<h2>En fonction du r\u00e9gime matrimonial<\/h2>\n<div>Mari\u00e9s sous le r\u00e9gime de la <strong>communaut\u00e9<\/strong>, le principe est simple : le patrimoine se compose \u00e0 <strong>parts \u00e9gales<\/strong> de biens appartenant automatiquement \u00e0 chacun des \u00e9poux. D\u00e8s lors, en cas de divorce, les deux parties ont droit \u00e0 50% du montant de la valeur du bien. Avec un <strong>contrat de mariage<\/strong>, la premi\u00e8re possibilit\u00e9, et la plus classique, est l&rsquo;achat en <strong>indivision <\/strong>: le logement appartient \u00e0 chaque \u00e9poux \u00e0 hauteur de sa contribution financi\u00e8re. La seconde option est l&rsquo;<strong>achat aux deux noms<\/strong>. Dans ce cas, la valeur du bien immobilier est r\u00e9partie entre les \u00e9poux selon leur choix.<\/p>\n<p>\u00ab<i>Les fondamentaux lorsque l&rsquo;on ach\u00e8te un bien immobilier \u00e0 deux sont de respecter certains principes. C&rsquo;est celui qui paye qui est propri\u00e9taire. Si vous avez fait un contrat de mariage sous le r\u00e9gime de la s\u00e9paration de bien ou si vous \u00eates pacs\u00e9s, il y a des r\u00e8gles. Quand on s&rsquo;aime, tout va bien. Par contre, en cas de s\u00e9paration, tout se complique. La question \u00ab qui a pay\u00e9 quoi ? \u00bb ressort syst\u00e9matiquement. Par le biais des h\u00e9ritiers par exemple comme par l&rsquo;administration fiscale qui peut r\u00e9clamer des comptes en demandant comment le bien a \u00e9t\u00e9 financ\u00e9. Est-ce un pr\u00eat, une donation, dans ce cas, c&rsquo;est taxable etc<\/i>.\u00bb indique Ma\u00eetre St\u00e9phane Adler dans le Figaro Immobilier.<\/div>\n<h2>Les dispositifs pour les concubins ou partenaires pacs\u00e9s<\/h2>\n<div>Comme pour les couples unis avec un contrat de mariage, la premi\u00e8re solution est l&rsquo;achat en <strong>indivision<\/strong>. Chaque concubin ou partenaire est propri\u00e9taire du bien selon une <strong>quote-part<\/strong> choisie par le couple. Dans la plupart des cas, la <strong>r\u00e9partition<\/strong> de la propri\u00e9t\u00e9 du patrimoine est \u00e9tablie en fonction du<strong> montant investi <\/strong>par chaque partie. En cas de s\u00e9paration, chacun r\u00e9cup\u00e8re sa part apr\u00e8s la vente du bien, ou l&rsquo;un des deux peut racheter la part de l&rsquo;autre. En cas de d\u00e9c\u00e8s, les h\u00e9ritiers sont les b\u00e9n\u00e9ficiaires de la part du d\u00e9funt.<\/p>\n<p>Certaines clauses peuvent cependant permettre le <strong>rachat de cette part<\/strong> par le conjoint survivant. \u00ab&nbsp;<i>Afin d&rsquo;\u00e9viter les conflits, Ii&nbsp;vaut mieux d\u00e9terminer d\u00e8s le d\u00e9part la r\u00e9partition financi\u00e8re de chacun sur le prix du bien (\u00e0 60\/40 par exemple). Tout ceci rejaillit au moment d&rsquo;une s\u00e9paration, d&rsquo;un divorce, d&rsquo;un d\u00e9c\u00e8s. D&rsquo;o\u00f9 l&rsquo;importance de se poser les questions en amont, et pas apr\u00e8s<\/i>. \u00bb conseille Ma\u00eetre St\u00e9phane Adler.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019achat d\u2019un logement constitue souvent le principal investissement d\u2019un couple, surtout pour les plus jeunes. Les cons\u00e9quences juridiques de cette acquisition d\u00e9pendent de la situation familiale connue au moment de la signature chez le notaire. S\u2019il est plus facile d\u2019emprunter \u00e0 deux, mieux vaut anticiper les dispositions afin d\u2019\u00e9viter d\u2019\u00e9ventuelles complications \u00e0 l\u2019achat et \u00e0 la revente.<\/p>\n","protected":false},"author":4,"featured_media":2043,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2042","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>Il vaut mieux \u00eatre deux pour emprunter<\/title>\n<meta name=\"description\" content=\"L\u2019achat d\u2019un logement est souvent le principal investissement d\u2019un couple. 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