{"id":2098,"date":"2019-05-10T16:45:53","date_gmt":"2019-05-10T14:45:53","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/comment-bien-financer-son-achat-immobilier_-n.html"},"modified":"2020-07-28T15:30:39","modified_gmt":"2020-07-28T13:30:39","slug":"comment-bien-financer-son-achat-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/comment-bien-financer-son-achat-immobilier_-n.html","title":{"rendered":"Comment bien financer son achat immobilier"},"content":{"rendered":"

Depuis l’arriv\u00e9e du printemps, les taux des cr\u00e9dits immobiliers continuent de reculer pour atteindre quasiment leur record historique<\/strong> de 2016. La p\u00e9riode est favorable aux acheteurs<\/strong> d\u00e9sireux de se lancer dans un projet d’acquisition immobili\u00e8re. Comment financer celui-ci et obtenir le meilleur cr\u00e9dit immobilier ?
\n <\/p>\n

Il y a un an, les professionnels pr\u00e9voyaient une remont\u00e9e des taux en 2019, or, c’est l’inverse qui s’est produit. La configuration exceptionnelle<\/strong> des taux actuels s’accompagne du maintien \u00e0 niveau \u00e9lev\u00e9 de la dur\u00e9e des cr\u00e9dits et d’une nouvelle baisse des taux d’apport personnel exig\u00e9s. L’acc\u00e8s aux cr\u00e9dits immobiliers n’aura jamais \u00e9t\u00e9 autant facilit\u00e9 par les \u00e9tablissements bancaires. Taux<\/strong>, dur\u00e9e<\/strong>, garantie<\/strong>, assurance <\/strong>se n\u00e9gocient selon le profil des emprunteurs, directement aupr\u00e8s de leur banque ou en passant par un courtier sp\u00e9cialiste des emprunts immobiliers.<\/p>\n

Privil\u00e9gier les dur\u00e9es courtes<\/strong><\/h2>\n

Les meilleurs dossiers obtiennent, hors assurance, sur 20 ans, un taux de 1% et de 0,8% sur 15 ans<\/strong>, indique le courtier acecredit.fr<\/a>. Pour autant, en raison de la hausse des prix de l’immobilier, la d\u00e9crue des taux s’est accompagn\u00e9e d’un allongement notable<\/strong> de la dur\u00e9e des pr\u00eats : la dur\u00e9e moyenne nationale atteint 227 mois (presque 19 ans). Bon \u00e0 savoir : \u00e9tirer son pr\u00eat permet d’emprunter davantage avec un revenu moindre. Mais attention : le montant global des int\u00e9r\u00eats sera obligatoirement plus \u00e9lev\u00e9. Si possible, mieux vaut pr\u00e9f\u00e9rer un cr\u00e9dit sur 10 ou 15 ans, moins chers que ceux sur 20 ou 25 ans.<\/p>\n

N\u00e9gocier son cr\u00e9dit et son assurance avec un courtier<\/strong><\/h2>\n

Les banques demandent syst\u00e9matiquement aux emprunteurs  de souscrire une assurance <\/strong>qui prendra en charge les mensualit\u00e9s en cas de d\u00e9c\u00e8s ou d’invalidit\u00e9 ou tout autre \u00e9v\u00e9nement couvert (perte d’emploi). Elles proposent d’embl\u00e9e leur contrat de groupe, dont les tarifs sont mutualis\u00e9s par grandes tranches d’\u00e2ge. Le principe de d\u00e9l\u00e9gation <\/strong>d’assurance autorise les m\u00e9nages \u00e0 externaliser cette prestation pour faire jouer la concurrence<\/strong> et d’obtenir de meilleures conditions aupr\u00e8s d’un assureur sp\u00e9cialis\u00e9. Enfin, sachez que, pour garantir le pr\u00eat<\/strong>, les banques exigent une hypoth\u00e8que ou un cautionnement<\/strong>, ce dernier \u00e9tant moins co\u00fbteux et plus souple que l’hypoth\u00e8que.<\/p>\n

Pour initier une demande cr\u00e9dit, il faut \u00e0 la fois solliciter sa banque actuelle<\/strong> et ne pas h\u00e9siter \u00e0 d\u00e9marcher d’autres \u00e9tablissements bancaires<\/strong> avec l’aide d’un courtier en cr\u00e9dit immobilier<\/strong> qui a acc\u00e8s aux bar\u00e8mes des banques par cat\u00e9gorie de profils et sait donc o\u00f9 obtenir les meilleurs r\u00e9sultats pour chaque profil.<\/p>\n

Quoiqu’il en soit, il ne faudrait surtout pas se limiter uniquement au taux d’int\u00e9r\u00eat<\/strong>. Un cr\u00e9dit est un contrat qui lie emprunteur et banque pour 15 \u00e0 20 ans, voire plus. Il est donc important de prendre \u00e9galement en compte le co\u00fbt de l’assurance, les frais de dossier, la garantie, les p\u00e9nalit\u00e9s en cas de remboursement anticip\u00e9, la transf\u00e9rabilit\u00e9 du pr\u00eat et la modularit\u00e9 des \u00e9ch\u00e9ances (\u00e0 savoir, la possibilit\u00e9 d’augmenter ou de diminuer les mensualit\u00e9s en fonction de l’\u00e9volution de votre budget).    <\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Depuis l\u2018arriv\u00e9e du printemps, les taux des cr\u00e9dits immobiliers continuent de reculer pour atteindre quasiment leur record historique de\u00a02016. La p\u00e9riode est favorable aux acheteurs d\u00e9sireux de se lancer dans un projet d\u2019acquisition immobili\u00e8re. Comment financer celui-ci ?<\/p>\n","protected":false},"author":4,"featured_media":2099,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2098","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nLe financement d'un bien immobilier<\/title>\n<meta name=\"description\" content=\"La p\u00e9riode est favorable aux acheteurs. 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