{"id":2166,"date":"2019-07-18T20:56:20","date_gmt":"2019-07-18T18:56:20","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/comment-obtenir-la-meilleure-offre-de-credit-immobilier_-n.html"},"modified":"2020-07-28T15:30:37","modified_gmt":"2020-07-28T13:30:37","slug":"comment-obtenir-la-meilleure-offre-de-credit-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/comment-obtenir-la-meilleure-offre-de-credit-immobilier_-n.html","title":{"rendered":"Comment obtenir la meilleure offre de cr\u00e9dit immobilier ?"},"content":{"rendered":"<p>Obtenir un cr\u00e9dit immobilier pour l&rsquo;achat de sa r\u00e9sidence principale ne pose pas de grands probl\u00e8mes d\u00e8s lors que certaines conditions sont respect\u00e9es. Le n\u00e9gocier au mieux est une autre histoire. La d\u00e9marche n\u00e9cessite de pr\u00e9senter un <strong>dossier qui r\u00e9pond \u00e0 un maximum d&rsquo;attentes<\/strong> de la part de la banque.<\/p>\n<h2>Anticiper trois mois avant<\/h2>\n<div>La recherche du <strong>meilleur financement<\/strong> est \u00e9videmment une \u00e9tape cl\u00e9 pour tout projet immobilier. Pour trouver une banque qui le finance et de pr\u00e9f\u00e9rence aux meilleures conditions, il faut <strong>soigner son dossier<\/strong>\u2026 Bien <strong>avant <\/strong>de faire une demande de pr\u00eat. Tout commence par l&rsquo;examen de la situation bancaire de l&#8217;emprunteur potentiel.<\/p>\n<p>Les banques vont regarder en effet avec beaucoup d&rsquo;int\u00e9r\u00eat les habitudes bancaires du demandeur. Comme elles n&rsquo;aiment pas pr\u00eater aux personnes r\u00e9guli\u00e8rement \u00e0 d\u00e9couvert, il est important de soigner la tenue de son compte courant et <strong>\u00e9viter les accidents de paiement et les d\u00e9couverts pendant au moins trois mois<\/strong> avant de demander un pr\u00eat, quitte \u00e0 solder un \u00e9ventuel cr\u00e9dit \u00e0 la consommation. Encore mieux, avoir eu le temps de <strong>se constituer un peu d&rsquo;\u00e9pargne<\/strong> pour financer les frais de notaire, la caution et les frais d&rsquo;agence immobili\u00e8re impressionne tr\u00e8s favorablement les banquiers. L&rsquo;id\u00e9al est de contacter sa banque tr\u00e8s rapidement pour conna\u00eetre ses conditions de financement : le taux d&rsquo;int\u00e9r\u00eat, la dur\u00e9e, le montant maximum et pourquoi pas un <strong>accord de principe<\/strong> qui rassurera le propri\u00e9taire.<\/div>\n<h2>Ne pas h\u00e9siter \u00e0 comparer<\/h2>\n<p>Selon les profils, les \u00e9tablissements bancaires se montrent tr\u00e8s comp\u00e9titifs ou pas. <strong>Se faire accompagner par un courtier<\/strong> sp\u00e9cialiste du cr\u00e9dit immobilier et de l&rsquo;assurance emprunteur permet de gagner du temps au moment de la recherche du pr\u00eat immobilier et surtout obtenir les meilleures offres du moment. Au moment de choisir entre les diff\u00e9rentes propositions, il est imp\u00e9ratif de ne pas se fier au seul taux d&rsquo;int\u00e9r\u00eat, mais de <strong>prendre en compte le TAEG <\/strong>(le taux annuel effectif global) indiqu\u00e9 dans les offres. Ce taux englobe en effet tous les frais li\u00e9s au cr\u00e9dit immobilier : caution, assurance de cr\u00e9dit et frais bancaire, ce qui autorise une comparaison \u00e0 donn\u00e9es \u00e9gales.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Obtenir un cr\u00e9dit immobilier pour l&rsquo;achat de sa r\u00e9sidence principale ne pose pas de grands probl\u00e8mes d\u00e8s lors que certaines conditions sont respect\u00e9es. Le n\u00e9gocier au mieux est une autre histoire.<\/p>\n","protected":false},"author":4,"featured_media":2167,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2166","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>Comment faire pour trouver le meilleur cr\u00e9dit immobilier ?<\/title>\n<meta name=\"description\" content=\"N\u00e9gocier au mieux un cr\u00e9dit immobilier pour l&#039;achat de sa r\u00e9sidence principale n\u00e9cessite de pr\u00e9senter un dossier qui r\u00e9pond aux attentes de la part de la banque.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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