{"id":7697,"date":"2023-07-25T12:20:20","date_gmt":"2023-07-25T10:20:20","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-07-25T14:41:25","modified_gmt":"2023-07-25T12:41:25","slug":"credit-immobilier-caution-ou-hypotheque-quelle-garantie-choisir","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-caution-ou-hypotheque-quelle-garantie-choisir.html","title":{"rendered":"Cr\u00e9dit immobilier : caution ou hypoth\u00e8que, quelle garantie choisir\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pour obtenir un pr\u00eat immobilier, il est essentiel de pr\u00e9senter des \u00ab\u2009s\u00fbret\u00e9s\u2009\u00bb. En compl\u00e9ment de l\u2019assurance de pr\u00eat immobilier, la banque exige de l\u2019emprunteur la souscription d\u2019une garantie, qu\u2019il s\u2019agisse d\u2019une hypoth\u00e8que ou d\u2019un cautionnement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>La garantie, une condition essentielle<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Impossible de se passer d\u2019une garantie lorsque l\u2019on souhaite mettre en place un financement pour acqu\u00e9rir un bien immobilier. En effet, la banque impose diff\u00e9rents dispositifs de \u00ab\u2009s\u00fbret\u00e9s\u2009\u00bb afin de se prot\u00e9ger en cas de d\u00e9faillance de l\u2019emprunteur. En plus de l\u2019assurance de pr\u00eat, qui sert \u00e0 prot\u00e9ger l\u2019acqu\u00e9reur en cas de sinistres graves (d\u00e9c\u00e8s, maladie ou accident), il reste indispensable de pr\u00e9senter l\u2019une des garanties suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la caution qui se base sur un fonds de garantie mutualis\u00e9\u2009(FMG) ;<\/li>\n\n\n\n<li>l\u2019hypoth\u00e8que, qui repose sur le bien immobilier de l\u2019acqu\u00e9reur qui souscrit un emprunt.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il est possible d\u2019opter pour l\u2019une ou l\u2019autre de ces garanties qui vient <strong>prendre le relais du remboursement en cas de d\u00e9faut de paiement.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Le cautionnement, privil\u00e9gi\u00e9 par les banques<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cas du cautionnement, c\u2019est un organisme tiers qui s\u2019engage \u00e0 payer la dette de l\u2019emprunteur en cas de d\u00e9faillance. Ainsi, si vous \u00eates dans l\u2019incapacit\u00e9 de rembourser la mensualit\u00e9 de votre cr\u00e9dit, c\u2019est la caution qui prend le relais (gr\u00e2ce au fonds de garantie mutualis\u00e9). Celle-ci peut prendre plusieurs formes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>celle de la <strong>soci\u00e9t\u00e9 de cautionnement mutuel<\/strong> qui assure le remboursement des mensualit\u00e9s\u2009;<\/li>\n\n\n\n<li><strong>la caution \u00ab\u2009mutuelle fonctionnaire\u2009\u00bb<\/strong> qui repose sur le m\u00eame mode de fonctionnement, mais avec un tarif plus comp\u00e9titif\u2009;<\/li>\n\n\n\n<li><strong>la caution solidaire<\/strong> d\u2019un particulier, peu utilis\u00e9e, car jug\u00e9e risqu\u00e9e par les \u00e9tablissements de pr\u00eat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 noter que les organismes de cautionnement peuvent varier selon les \u00e9tablissements bancaires. Ils peuvent \u00eatre issus d\u2019une filiale de la banque (comme la CEGC pour la Caisse d\u2019\u00c9pargne, la CAMCA pour le Cr\u00e9dit Agricole, la CMH pour le Cr\u00e9dit Mutuel, etc.) ou du Cr\u00e9dit Logement (d\u00e9tenu par un ensemble d&rsquo; organismes bancaires).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois le pr\u00eat sold\u00e9 et selon l\u2019organisme de caution, les emprunteurs peuvent esp\u00e9rer r\u00e9cup\u00e9rer une partie des frais de garantie (jusqu\u2019\u00e0 75 %).&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>L\u2019hypoth\u00e8que : une option int\u00e9ressante, selon les cas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si le cautionnement est la garantie g\u00e9n\u00e9ralement privil\u00e9gi\u00e9e par les banques, il existe des situations o\u00f9 l\u2019hypoth\u00e8que est plus appropri\u00e9e. C\u2019est le cas notamment de certains dossiers comme<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les projets d\u2019auto-construction\u2009;<\/li>\n\n\n\n<li>les achats en vente en l\u2019\u00e9tat futur d\u2019ach\u00e8vement (VEFA)\u2009;<\/li>\n\n\n\n<li>certains pr\u00eats r\u00e9glementaires, comme le pr\u00eat \u00e0 l\u2019accession sociale (PAS) qui impose une hypoth\u00e8que \u00e0 partir d\u2019un emprunt sup\u00e9rieur \u00e0 15\u2009000 euros.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cas de l\u2019hypoth\u00e8que, si l\u2019emprunteur se trouve dans l\u2019impossibilit\u00e9 de rembourser la banque, cette derni\u00e8re peut obtenir la <strong>saisie du bien immobilier si aucune solution amiable n\u2019est trouv\u00e9e<\/strong>. La vente de ce bien lui permet de couvrir la dette.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe \u00e9galement un autre type d\u2019hypoth\u00e8que&nbsp;: l\u2019hypoth\u00e8que l\u00e9gale sp\u00e9ciale du pr\u00eateur de deniers (anciennement privil\u00e8ge de pr\u00eateur de deniers) qui s\u2019adresse aux emprunteurs pour l\u2019achat d\u2019un bien neuf ou ancien d\u00e9j\u00e0 existant. Cette hypoth\u00e8que place la banque au premier rang. Elle peut donc proc\u00e9der \u00e0 la saisie et \u00e0 la vente du bien pour rembourser les sommes pr\u00eat\u00e9es et est donc <strong>prioritaire par rapport aux autres cr\u00e9anciers<\/strong>. Attention, cette garantie ne s\u2019applique pas \u00e0 la construction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si la caution est plus simple \u00e0 mettre en place et moins co\u00fbteuse, mieux vaut avoir recours \u00e0 l\u2019hypoth\u00e8que si le bien n\u2019est pas destin\u00e9 \u00e0 la vente (car il n\u2019y a pas de frais de mainlev\u00e9e \u00e0 pr\u00e9voir). Reste que, dans la pratique, c\u2019est la banque qui est d\u00e9cisionnaire et va donc choisir le cautionnement ou l\u2019hypoth\u00e8que.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un projet immobilier \u00e0 concr\u00e9tiser\u2009? Pour vous aider \u00e0 obtenir un cr\u00e9dit aux meilleures conditions, n\u2019h\u00e9sitez pas \u00e0 faire appel \u00e0 un courtier sp\u00e9cialis\u00e9. Ce dernier, gr\u00e2ce \u00e0 son expertise, saura vous guider et optimiser votre dossier pour obtenir un cr\u00e9dit \u00e0 un taux avantageux.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour obtenir un pr\u00eat immobilier, il est essentiel de pr\u00e9senter des \u00ab\u2009s\u00fbret\u00e9s\u2009\u00bb. En compl\u00e9ment de l\u2019assurance de pr\u00eat immobilier, la banque exige de l\u2019emprunteur la souscription d\u2019une [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7700,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7697","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>Cr\u00e9dit immobilier : caution ou hypoth\u00e8que, quelle garantie choisir\u2009? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Caution ou hypoth\u00e8que\u2009? 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