{"id":4644,"date":"2020-08-08T08:46:00","date_gmt":"2020-08-08T06:46:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2020-08-07T10:25:27","modified_gmt":"2020-08-07T08:25:27","slug":"quel-apport-personnel-pour-un-premier-achat-immobilier-en-2020","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/quel-apport-personnel-pour-un-premier-achat-immobilier-en-2020.html","title":{"rendered":"Quel apport personnel pour un premier achat immobilier en 2020 ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Vous souhaitez vous lancer dans votre premier achat en 2020 et vous vous demandez quel apport personnel constituer pour d\u00e9crocher un pr\u00eat immobilier&nbsp;? \u00c0 l\u2019\u00e9vidence, plus ce montant sera important, plus les chances de s\u00e9duire votre banquier sont multipli\u00e9es. D\u2019autant plus dans le contexte de crise sanitaire qui peut refroidir les \u00e9tablissements pr\u00eateurs. Voici quelques r\u00e8gles \u00e0 conna\u00eetre avant d\u2019entamer vos d\u00e9marches.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Apport personnel&nbsp;: LE s\u00e9same pour d\u00e9crocher un pr\u00eat<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour d\u00e9crocher un pr\u00eat immobilier en 2020 aupr\u00e8s d\u2019un organisme bancaire, avoir un apport personnel est le plus souvent indispensable. Les recommandations du Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) fin 2019 ont renforc\u00e9 son importance avec le plafonnement des financements \u00e0 <strong>25 ans<\/strong> et <strong>33% de taux d\u2019endettement<\/strong>, la hausse des prix de la pierre fait le reste. Plus le montant de l\u2019apport est \u00e9lev\u00e9, plus les conditions d\u2019emprunt seront avantageuses&nbsp;: taux immobilier plus bas, frais de dossier r\u00e9duits, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une banque, un apport personnel constitue un <strong>gage de s\u00e9curit\u00e9<\/strong>. Il montre votre aptitude \u00e0 \u00e9conomiser de l\u2019argent et donc votre capacit\u00e9 \u00e0 rembourser votre emprunt. Et surtout, un apport personnel vous permettra de r\u00e9duire le co\u00fbt total de votre cr\u00e9dit immobilier et ainsi de faire baisser le montant de vos mensualit\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quel montant&nbsp;doit repr\u00e9senter votre apport personnel&nbsp;?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e8gle g\u00e9n\u00e9rale, le montant d\u2019<a href=\"https:\/\/www.acecredit.fr\/fr\/montant-minimal-apport-pret-immobilier.html\">un apport immobilier doit repr\u00e9senter au <strong>minimum 10% de la somme emprunt\u00e9e<\/strong><\/a>. Cette somme sert \u00e0 payer les frais de dossier, frais de notaire, caution, etc. Concr\u00e8tement, pour emprunter 100\u00a0000\u20ac, votre apport doit \u00eatre de 10\u00a0000\u20ac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien \u00e9videmment, si la somme dont vous disposez est plus \u00e9lev\u00e9e, c\u2019est encore mieux&nbsp;! En plus d\u2019\u00eatre un gage de s\u00e9curit\u00e9 pour votre banquier, un apport personnel constitue un excellent outil pour n\u00e9gocier le taux de votre cr\u00e9dit immobilier. N\u00e9anmoins, la r\u00e8gle des 10% ne s\u2019applique pas \u00e0 tous les organismes bancaires, certains peuvent exiger un apport allant <strong>jusqu\u2019\u00e0 20%,<\/strong> voire plus selon les profils.<br>Dans le meilleur des mondes, un apport personnel repr\u00e9sentant <strong>30% de la somme emprunt\u00e9e<\/strong> vous place en position de force aupr\u00e8s des organismes pr\u00eateurs et ainsi n\u00e9gocier le meilleur taux de cr\u00e9dit immobilier, sous les 1% pour les meilleurs dossiers sous 20 ans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment constituer un bon apport avant de se lancer dans l\u2019achat&nbsp;?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour bien gonfler votre apport personnel avant d\u2019acheter votre premier bien immobilier, il est recommand\u00e9 d\u2019optimiser son \u00e9pargne en faisant des \u00e9conomies tous les mois (<strong>PEL, Livret A, livret LDDS<\/strong>). Aussi, certaines entreprises mettent en place un dispositif d\u2019\u00e9pargne collectif (appel\u00e9 <strong>\u00e9pargne salariale<\/strong>) qui permet \u00e0 tous les salari\u00e9s de percevoir une partie des b\u00e9n\u00e9fices r\u00e9alis\u00e9s sous la forme d\u2019un int\u00e9ressement ou d\u2019une participation. La somme est bloqu\u00e9e pendant une dur\u00e9e de <strong>cinq ans minimum<\/strong> (sauf circonstances exceptionnelles).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous souhaitez vous lancer dans votre premier achat en 2020 et vous vous demandez quel apport personnel constituer pour d\u00e9crocher un pr\u00eat immobilier&nbsp;? \u00c0 l\u2019\u00e9vidence, plus ce [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3310,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4644","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>Quel apport personnel pour un premier achat immobilier en 2020 ?<\/title>\n<meta name=\"description\" content=\"L\u2019apport personnel a pris une importance cruciale dans un achat immobilier en 2020. Entre 10 et 30% du montant \u00e0 emprunter, il facilite grandement l\u2019obtention du financement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/quel-apport-personnel-pour-un-premier-achat-immobilier-en-2020.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quel apport personnel pour un premier achat immobilier en 2020 ?\" \/>\n<meta property=\"og:description\" content=\"L\u2019apport personnel a pris une importance cruciale dans un achat immobilier en 2020. 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