{"id":2162,"date":"2019-07-18T12:08:29","date_gmt":"2019-07-18T10:08:29","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/premier-achat-immobilier-une-aventure-qui-se-prepare_-n.html"},"modified":"2020-07-28T15:30:37","modified_gmt":"2020-07-28T13:30:37","slug":"premier-achat-immobilier-une-aventure-qui-se-prepare_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/premier-achat-immobilier-une-aventure-qui-se-prepare_-n.html","title":{"rendered":"Premier achat immobilier : une aventure qui se pr\u00e9pare"},"content":{"rendered":"

Devenir propri\u00e9taire de sa r\u00e9sidence principale pour la premi\u00e8re fois est un moment important dans une vie, notamment parce qu’il implique un effort financier souvent cons\u00e9quent<\/strong>. Il faut bien s\u00fbr d\u00e9nicher le logement id\u00e9al puis d\u00e9crocher le meilleur taux de cr\u00e9dit immobilier. D\u00e9couvrez comment mettre toutes les chances de son c\u00f4t\u00e9.<\/p>\n

S\u00e9lectionner son futur chez-soi<\/h2>\n
Ne pas se pr\u00e9cipiter \u2026 le premier bien visit\u00e9 peut \u00eatre le bon mais il vaut mieux en \u00eatre s\u00fbr. Quoiqu’il arrive, il est conseill\u00e9 de visiter au minimum 3 biens<\/strong>. Plus l’on voit d’habitations diff\u00e9rentes, plus l’on est s\u00fbr de son choix et on d\u00e9veloppe un oeil ac\u00e9r\u00e9 pour d\u00e9tecter tout ce qui ne convient pas. Les futurs acheteurs d\u00e9finissent en g\u00e9n\u00e9ral plut\u00f4t pr\u00e9cis\u00e9ment leur cahier des charges<\/strong> en termes d’\u00e9tage, d’orientation, de nombres de pi\u00e8ces, de superficie et m\u00eame de chauffage.<\/p>\n

Mais attention, la visite d’un appartement ou d’une maison commence \u2026 dans la rue<\/strong> ! Emplacement, tranquillit\u00e9, moyens de transport, proximit\u00e9 des commerces, aspect des portes et fa\u00e7ades, \u00e9tat de la toiture, luminosit\u00e9, proc\u00e8s-verbaux des derni\u00e8res assembl\u00e9es g\u00e9n\u00e9rales de la copropri\u00e9t\u00e9 le cas \u00e9ch\u00e9ant, autant de points \u00e0 \u00e9tudier soigneusement avant de prendre une d\u00e9cision car ils impacteront d’une mani\u00e8re ou d’autre le prix de vente et la qualit\u00e9 de vie des occupants.<\/div>\n

D\u00e9terminer son budget global<\/h2>\n
La plupart des primo-acc\u00e9dants font appel \u00e0 l’emprunt immobilier pour pouvoir financer leur projet d’achat de r\u00e9sidence principale. Afin de d\u00e9crocher un pr\u00eat bancaire au meilleur taux<\/strong>, il est indispensable de pr\u00e9senter un projet immobilier coh\u00e9rent avec ses moyens financiers<\/strong>. Parmi les \u00e9l\u00e9ments pass\u00e9s au crible par l’\u00e9tablissement pr\u00eateur, le taux d’endettement<\/strong> est certainement le plus important, il ne doit pas d\u00e9passer 33 %<\/strong> des revenus<\/strong>. De plus, les organismes pr\u00eateurs ont une tr\u00e8s nette pr\u00e9f\u00e9rence pour les salari\u00e9s en CDI<\/strong>, c’est peu de le dire.<\/p>\n

La banque demande \u00e9galement de pr\u00e9senter des relev\u00e9s de compte des 3 derniers mois. Il est donc indispensable de ma\u00eetriser ses d\u00e9penses<\/strong> et d’\u00e9viter les d\u00e9couverts. Encore mieux, le fait d’\u00e9pargner chaque mois<\/strong>, une partie de ses revenus est un signal positif fort, presqu’autant que de disposer d’un apport personnel. Taux d’int\u00e9r\u00eat du cr\u00e9dit et assurance emprunteur se n\u00e9gocient. Ils varient en fonction du profil de l’acqu\u00e9reur et de l’organisme sollicit\u00e9. Passer par un courtier immobilier<\/strong> reste le moyen le plus fiable et le plus rapide<\/strong> pour obtenir les meilleures conditions de cr\u00e9dit.<\/div>\n

Evaluer les frais annexes<\/h2>\n

Le financement d’un projet immobilier comprend toujours, outre le prix d’acquisition, les frais de notaire, les frais du pr\u00eat (demand\u00e9s par la banque mais aussi les garanties – hypoth\u00e8ques ou cautionnement), les frais d’assurance du pr\u00eat, de l’agent immobilier et les travaux \u00e0 faire estimer par des professionnels. Il faut donc prendre le temps de bien d\u00e9terminer sa capacit\u00e9 d’emprunt <\/strong>et son budget travaux afin de ne pas trop grignoter son reste \u00e0 vivre. D’autant plus que le fait de devenir propri\u00e9taire entra\u00eene de nouvelles charges annuelles<\/strong> telles que les charges de copropri\u00e9t\u00e9, l’entretien des \u00e9quipements et la taxe fonci\u00e8re.<\/p>\n","protected":false},"excerpt":{"rendered":"

Devenir propri\u00e9taire pour la premi\u00e8re fois est un moment important dans une vie. Il faut bien s\u00fbr d\u00e9nicher le logement id\u00e9al puis d\u00e9crocher le meilleur taux de cr\u00e9dit immobilier. D\u00e9couvrez comment mettre toutes les chances de son c\u00f4t\u00e9.<\/p>\n","protected":false},"author":4,"featured_media":2163,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nR\u00e9aliser son premier achat immobilier. Comment mettre toutes les chances de son c\u00f4t\u00e9 ?<\/title>\n<meta name=\"description\" content=\"Pour devenir propri\u00e9taire pour la premi\u00e8re fois, il faut d\u00e9nicher le logement id\u00e9al et d\u00e9crocher le meilleur taux de cr\u00e9dit. 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