{"id":4902,"date":"2020-11-09T08:08:00","date_gmt":"2020-11-09T07:08:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2020-11-10T12:07:08","modified_gmt":"2020-11-10T11:07:08","slug":"achat-immobilier-comment-emprunter-apres-50-ans","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/achat-immobilier-comment-emprunter-apres-50-ans.html","title":{"rendered":"Achat immobilier : comment emprunter apr\u00e8s 50 ans ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Oui, <a href=\"https:\/\/www.acecredit.fr\/fr\/jusqu-a-quel-age-peut-on-emprunter.html\">on peut encore souscrire un cr\u00e9dit immobilier apr\u00e8s 50 ans<\/a>. Mais la capacit\u00e9 d\u2019endettement doit prendre en compte l\u2019horizon proche de la retraite. Et selon son profil, l\u2019assurance emprunteur peut \u00eatre un motif de refus&#8230;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Calculer son taux d\u2019endettement \u00e0 la retraite<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les seniors sont plut\u00f4t de bons profils\u00a0: ils empruntent sur une dur\u00e9e plus courte, b\u00e9n\u00e9ficient de meilleurs revenus en fin de carri\u00e8re sont le plus souvent d\u00e9j\u00e0 propri\u00e9taires. Ils ont aussi une ou plusieurs assurances-vie et n\u2019ont plus d\u2019enfant \u00e0 charge. N\u00e9anmoins, \u00e0 l\u2019approche de leur retraite, <strong>seuls 70% de leurs revenus entrent dans le calcul du taux d\u2019endettement, celui-ci \u00e9tant strictement limit\u00e9 \u00e0 33%.<\/strong> La banque anticipe en effet leur baisse de revenus m\u00eame si leurs charges se r\u00e9duiront aussi le moment venu. Attention, en cas de pr\u00eat relais, la m\u00eame r\u00e8gle s\u2019applique\u00a0: 70% de la valeur du bien, voire 80% seulement seront pris en compte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quel financement d\u00e8s lors pr\u00e9f\u00e9rer&nbsp;?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un cr\u00e9dit immobilier sur une dur\u00e9e de 10 \u00e0 15 ans reste la meilleure option. Les taux sont parfois en dessous de 1%&nbsp;: 1,02% en moyenne sur 15 ans d\u2019apr\u00e8s l\u2019Observatoire Cr\u00e9dit Logement\/CSA, 0,75% pour les 25% des meilleurs dossiers. Et la couverture d\u2019assurance est souvent moins longue. Conserver son \u00e9pargne est en effet plus avantageux&nbsp;: <strong>une assurance-vie en particulier rapporte 2,5%<\/strong>, contre 1% d\u2019int\u00e9r\u00eats avec un pr\u00eat. D\u2019autant qu\u2019elle peut servir de garantie pour la banque si l\u2019emprunteur est sous le coup d\u2019une surprime pour l\u2019assurance de pr\u00eat. Les primo-acc\u00e9dants opteront pour un cr\u00e9dit immobilier adaptatif, les mensualit\u00e9s seront plus importantes jusqu\u2019\u00e0 la retraite puis plus r\u00e9duites ensuite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelques astuces pour l\u2019assurance de pr\u00eat<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance de pr\u00eat couvre l\u2019emprunteur jusqu\u2019\u00e0 ses 75 ans, ce qui limite de facto la dur\u00e9e de l\u2019emprunt et donc le montant du capital emprunt\u00e9. Gr\u00e2ce \u00e0 la d\u00e9l\u00e9gation d\u2019assurance, l\u2019emprunteur peut <strong>s\u2019assurer chez un concurrent <\/strong>jusqu\u2019\u00e0 90 ans, parfois m\u00eame 95 ans. Le tarif est bien \u00e9videmment fonction de l\u2019\u00e2ge de l\u2019assur\u00e9 et selon le risque pris, la prime pourra co\u00fbter cher. Si le taux de l\u2019assurance d\u00e9passe le taux d\u2019usure, le pr\u00eat sera m\u00eame refus\u00e9. L\u2019emprunteur n\u2019aura plus qu\u2019\u00e0 apporter une garantie \u00e0 la banque&nbsp;: un autre bien enti\u00e8rement sold\u00e9 par exemple. On parle dans ce cas de pr\u00eat hypoth\u00e9caire.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Oui, on peut encore souscrire un cr\u00e9dit immobilier apr\u00e8s 50 ans. Mais la capacit\u00e9 d\u2019endettement doit prendre en compte l\u2019horizon proche de la retraite. Et selon son [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3313,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4902","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>Achat immobilier : comment emprunter apr\u00e8s 50 ans ? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les seniors sont des profils int\u00e9ressants pour les banques en raison de leurs revenus plus confortables. 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