{"id":4713,"date":"2020-09-13T08:31:00","date_gmt":"2020-09-13T06:31:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2020-08-26T17:32:33","modified_gmt":"2020-08-26T15:32:33","slug":"5-choses-a-savoir-pour-optimiser-sa-capacite-demprunt","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/5-choses-a-savoir-pour-optimiser-sa-capacite-demprunt.html","title":{"rendered":"5 choses \u00e0 savoir pour optimiser sa capacit\u00e9 d\u2019emprunt"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Avant de boucler son dossier pour solliciter un financement immobilier, il est important de <a href=\"https:\/\/www.acecredit.fr\/fr\/calcul-capacite-emprunt.html\">d\u00e9terminer pr\u00e9cis\u00e9ment sa capacit\u00e9 d\u2019emprunt<\/a> pour ne pas d\u00e9passer le taux d\u2019endettement autoris\u00e9 (33% maximum depuis les recommandations du Haut Conseil de stabilit\u00e9 financi\u00e8re fin 2019). Pour \u00e9viter le faux pas, voici 5 \u00e9l\u00e9ments \u00e0 avoir en t\u00eate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le leasing vient en d\u00e9duction des revenus sauf si&#8230;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">On pourrait penser qu\u2019un v\u00e9hicule en leasing plut\u00f4t qu\u2019achet\u00e9 \u00e0 cr\u00e9dit ne comptera pas de la m\u00eame mani\u00e8re dans le calcul du taux d\u2019endettement d\u2019un emprunteur. Rat\u00e9&nbsp;: <strong>les \u00e9tablissements pr\u00eateurs consid\u00e8rent un contrat de LOA ou LLD de la m\u00eame mani\u00e8re qu\u2019un cr\u00e9dit auto<\/strong>&nbsp;! Dans un cas toutefois, il est possible d\u2019\u00e9carter cette charge de son dossier&nbsp;: lorsqu\u2019il reste moins de six mensualit\u00e9s \u00e0 verser.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les allocations familiales peuvent \u00eatre comptabilis\u00e9es<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Toutes les banques n\u2019adoptent pas la m\u00eame attitude face aux allocations familiales. Certaines ne les prennent pas en consid\u00e9ration pour d\u00e9terminer les revenus d\u2019un m\u00e9nage, compte tenu de leur limitation dans le temps. Pour d\u2019autres, leur disparition intervenant <strong>lorsque les revenus du m\u00e9nage augmentent<\/strong>, il est tout \u00e0 fait pertinent de les inclure aux revenus du candidat \u00e0 l\u2019emprunt. L\u2019accompagnement d\u2019un courtier peut \u00eatre utile dans ce cas de figure afin d\u2019anticiper ce point et ainsi mieux calculer sa capacit\u00e9 d\u2019emprunt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les revenus locatifs peuvent \u00eatre pris en compte \u00e0 100%<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un investissement locatif, ce sont des recettes\u2026 et des charges. Taxe fonci\u00e8re, gestion locative, copropri\u00e9t\u00e9, imp\u00f4ts sur le revenu&nbsp;: de nombreuses sommes viennent en d\u00e9duction des loyers per\u00e7us. En cons\u00e9quence, la majorit\u00e9 des banques comptabilise une fraction seulement des revenus locatifs dans leur estimation de la capacit\u00e9 d\u2019emprunt (70 \u00e0 80%). Mais ce n\u2019est pas le cas pour toutes&nbsp;; <strong>lorsque le dossier est prometteur, il est possible que ce soit 100% des recettes qui entrent en ligne de compte.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un apport cons\u00e9quent r\u00e9duit m\u00e9caniquement la somme \u00e0 emprunter<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est une lapalissade mais il n\u2019est pas inutile de le rappeler&nbsp;: l\u2019apport personnel est une variable qui vient en d\u00e9duction de la somme \u00e0 emprunter. Il est \u00e9galement important au regard des \u00e9tablissements pr\u00eateurs pour b\u00e9n\u00e9ficier d\u2019un taux attractif, mais ce montant n\u00e9 de l\u2019\u00e9pargne (ou d\u2019un h\u00e9ritage parfois) va <strong>permettre de souscrire un pr\u00eat immobilier moins important<\/strong> \u2013 et ainsi maintenir le taux d\u2019endettement sous les 33% &#8211; ou moins long \u2013 pour rentrer dans le seuil maximum de 25 ans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un pr\u00eat aid\u00e9 diminue le poids des int\u00e9r\u00eats<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>pr\u00eat gigogne<\/strong> consiste \u00e0 souscrire deux emprunts sur des dur\u00e9es diff\u00e9rentes pour r\u00e9duire le poids des int\u00e9r\u00eats. Mais faire appel \u00e0 un <strong>pr\u00eat aid\u00e9 comme le PTZ ou le pr\u00eat PAS <\/strong>est aussi un moyen de solliciter un emprunt classique moins volumineux, et donc de b\u00e9n\u00e9ficier d\u2019un taux plus performant. \u00c0 la cl\u00e9, la possibilit\u00e9 d\u2019augmenter sensiblement la somme sollicit\u00e9e pour r\u00e9aliser son projet immobilier.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avant de boucler son dossier pour solliciter un financement immobilier, il est important de d\u00e9terminer pr\u00e9cis\u00e9ment sa capacit\u00e9 d\u2019emprunt pour ne pas d\u00e9passer le taux d\u2019endettement autoris\u00e9 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3307,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4713","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>5 choses \u00e0 savoir pour optimiser sa capacit\u00e9 d\u2019emprunt - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La capacit\u00e9 d\u2019emprunt d\u00e9termine bien souvent le montant sur lequel un acqu\u00e9reur pourra s\u2019aligner pour acheter un logement. 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