{"id":6089,"date":"2021-07-21T10:16:04","date_gmt":"2021-07-21T08:16:04","guid":{"rendered":"https:\/\/natureetresidencevillage.com\/?p=6089"},"modified":"2026-02-10T12:34:28","modified_gmt":"2026-02-10T11:34:28","slug":"obtenir-un-credit-lors-de-son-premier-achat-immobilier","status":"publish","type":"post","link":"https:\/\/natureetresidencevillage.com\/en\/blog\/credit\/obtenir-un-credit-lors-de-son-premier-achat-immobilier\/","title":{"rendered":"Obtenir un cr\u00e9dit lors de son premier achat immobilier"},"content":{"rendered":"<p><strong>Retour<\/strong> on <strong>investissement int\u00e9ressant,<\/strong>\u00a0 <strong>avantages fiscaux,<\/strong> possibility <strong>d\u2019\u00e9ponger<\/strong> <strong>l\u2019emprunt bancaire<\/strong> gr\u00e2ce aux <strong>recettes locatives,<\/strong> the <strong>stability<\/strong> of <strong>market<\/strong> of <strong>real estate<\/strong> ou encore la perspective d\u2019une <strong>plus-value int\u00e9ressante<\/strong> en cas de <strong>revente\u2026 Nombreux<\/strong> are the <strong>arguments<\/strong> qui plaident en faveur d\u2019un <strong><a href=\"https:\/\/natureetresidencevillage.com\/en\/achat-en-lmnp\/\">investissement dans la pierre<\/a>.<\/strong> Des arguments qui convainquent de <strong>nombreux<\/strong>\u00a0<strong>jeunes<\/strong> \u2013 ils sont <strong>66\u00a0% parmi les 18-34 ans<\/strong> \u00e0 vouloir s\u2019y lancer selon un sondage r\u00e9alis\u00e9s par l\u2019institut Poll&amp;Roll.<\/p>\n<p>Mais pour que le <strong>project<\/strong> soit <strong>viable<\/strong> and <strong>rentable,<\/strong> il est important de prendre le temps de r\u00e9fl\u00e9chir sur ses <strong>moyens<\/strong> and <strong>besoins,<\/strong> de les <strong>adapter<\/strong> to the <strong>r\u00e9alit\u00e9<\/strong> of <strong>market.<\/strong><\/p>\n<p><!--more--><\/p>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/06\/premier-achat-immobilier.jpg\" alt=\"premier achat immobilier\" \/><\/p>\n<h2>D\u00e9terminer sa capacit\u00e9 d\u2019emprunt<\/h2>\n<p>Pour conna\u00eetre sa <strong>borrowing capacity,<\/strong> il suffit de r\u00e9aliser une <strong>simulation<\/strong> on a <strong>plate-forme sp\u00e9cialis\u00e9e<\/strong> en ligne. La d\u00e9marche ne prend que quelques minutes mais permet d\u2019avoir d\u00e9j\u00e0 une <strong>id\u00e9e<\/strong>\u00a0<strong>du type de bien<\/strong> dans lequel l\u2019on peut <strong>investir.<\/strong><\/p>\n<p>Apr\u00e8s les <strong>moyens,<\/strong> the <strong>needs\u00a0<\/strong>: il faut aussi savoir si l\u2019on veut <strong>invest<\/strong> in <strong>maison individuelle<\/strong> or one <strong>apartment,<\/strong> in a <strong>logement neuf<\/strong> or <strong>ancien,<\/strong> n\u00e9cessitant ou pas des <strong>works<\/strong> of <strong>renovation<\/strong> or <strong>d\u2019am\u00e9lioration.<\/strong> Mais surtout, il faut d\u00e9finir la <strong>geographical area<\/strong> dans laquelle l\u2019on souhaite faire ses recherches. La zone en question peut correspondre \u00e0 une <strong>r\u00e9gion,<\/strong> a <strong>department<\/strong> ou une <strong>ville.<\/strong> Elle peut m\u00eame se r\u00e9duire \u00e0 quelques <strong>quartiers<\/strong> or <strong>rues,<\/strong> \u00e0 condition de <strong>bien conna\u00eetre<\/strong> the <strong>sectors<\/strong> pr\u00e9cis ainsi privil\u00e9gi\u00e9s.<\/p>\n<p>Bien entendu, il est important de se rendre sur un <strong>site de comparateurs en ligne.<\/strong> Avec ce genre de plate-forme, on a acc\u00e8s \u00e0 un <strong>large panel de biens en vente<\/strong> in the <strong>city<\/strong> or the <strong>r\u00e9gion<\/strong> qui nous int\u00e9resse et surtout aux <strong>price<\/strong> <strong>qui s\u2019y pratiquent<\/strong> habituellement. Le <strong>but<\/strong> est en somme <strong>d\u2019adapter<\/strong>\u00a0ses <strong>moyens<\/strong> and <strong>needs<\/strong> to <strong>informations recueillies<\/strong> gr\u00e2ce \u00e0 cette <strong>\u00e9tude pr\u00e9alable.<\/strong><\/p>\n<p>For <strong>obtenir<\/strong> a <strong>credit<\/strong> aupr\u00e8s d\u2019une <strong>banque,<\/strong> il faudra respecter un certain nombre de <strong>criteria<\/strong>\u00a0:<\/p>\n<ul>\n<li>The <strong>capacit\u00e9 d\u2019endettement<\/strong> doit \u00eatre en <strong>dessous<\/strong> of <strong>35\u00a0%\u00a0<\/strong>;<\/li>\n<li>The <strong>demandeur<\/strong> doit pr\u00e9voir un <strong>personal contribution<\/strong> d\u2019au moins <strong>10\u00a0<\/strong>\u00a0<strong>%<\/strong> \u2013 le montant de cet apport varie selon les r\u00e9gions\u00a0: environ 12\u00a0% ou plus en r\u00e9gion parisienne, mais plus de 14\u00a0% en moyenne dans le Sud-Ouest, par exemple\u00a0;<\/li>\n<li>The <strong>stabilit\u00e9 financi\u00e8re<\/strong> entre aussi en ligne de compte\u00a0: travailler en <strong>CDI<\/strong> ou comme <strong>ind\u00e9pendant<\/strong> ayant des <strong>ressources stables,<\/strong> par exemple\u00a0;<\/li>\n<li>Il faut aussi penser \u00e0 <strong>repay<\/strong> the <strong>credits<\/strong>\u00a0<strong>en cours<\/strong> pour \u00e9viter d\u2019avoir un <strong>debt ratio<\/strong> au-dessus de la r\u00e8gle\u2026<\/li>\n<\/ul>\n<h2>Pr\u00e9senter un dossier complet<\/h2>\n<p>The <strong>primo-acc\u00e9dant<\/strong> n\u2019a pas besoin d\u2019attendre le feu vert de sa <strong>bank<\/strong> pour signer un <strong>compromise<\/strong> of <strong>sale.<\/strong> Simplement, en attendant que le <strong>cr\u00e9dit soit accord\u00e9,<\/strong> the <strong>compromis de vente<\/strong> en question devra comporter une <strong>clause suspensive.<\/strong> The <strong>duration<\/strong> de cette <strong>clause<\/strong> is <strong>determined<\/strong> of a <strong>commun accord<\/strong> by the <strong>vendeur<\/strong> and <strong>l\u2019acheteur.<\/strong> Mais il est recommand\u00e9 de n\u00e9gocier pour rallonger autant que possible cette dur\u00e9e, le temps de trouver le <strong>bon financement<\/strong> for the <strong>project.<\/strong><\/p>\n<p>A la <strong>signature<\/strong> of <strong>compromise<\/strong> of <strong>vente, l\u2019acheteur<\/strong> must <strong>to present<\/strong> the <strong>case<\/strong> of <strong>credit<\/strong> que la <strong>bank<\/strong> est en train d\u2019\u00e9tudier. La <strong>transparence<\/strong> est de rigueur vis-\u00e0-vis de la <strong>bank<\/strong> et du <strong>vendeur.<\/strong> The <strong>case<\/strong> doit comporter <strong>plusieurs pi\u00e8ces,<\/strong> dont la <strong>pi\u00e8ce d\u2019identit\u00e9<\/strong> and the <strong>trois derni\u00e8res fiches<\/strong> e <strong>paye<\/strong> ainsi qu\u2019un <strong>contract<\/strong> of <strong>work<\/strong> pour un salari\u00e9 avec un an d\u2019anciennet\u00e9. Le <strong>demandeur<\/strong> doit \u00e9galement <strong>fournir<\/strong> the <strong>trois derniers relev\u00e9s<\/strong> of <strong>compte bancaire,<\/strong> the <strong>dernier avis d\u2019imposition<\/strong> on the <strong>income<\/strong> ou encore les \u00e9ventuels <strong>\u00e9ch\u00e9anciers<\/strong> du ou des <strong>credits<\/strong> <strong>en cours.<\/strong><\/p>\n<p>Comme pour la recherche des biens, il est important de prendre le temps de <strong>compare<\/strong> the <strong>offers<\/strong> of the <strong>diff\u00e9rentes<\/strong> <strong>banks<\/strong>. Le mieux est m\u00eame de passer par un <strong>courtier<\/strong> qui va se <strong>to inform<\/strong> and <strong>n\u00e9gocier<\/strong> pour le demandeur aupr\u00e8s de ses <strong>partenaires<\/strong> <strong>bancaires<\/strong>. Le professionnel se charge notamment d\u2019avoir le <strong>rate<\/strong> and the <strong>amount<\/strong> qui correspondent le mieux aux <strong>needs<\/strong> of <strong>the borrower.<\/strong><\/p>\n<h2>Choisir le bon financement<\/h2>\n<p>The <strong>primo-acc\u00e9dant<\/strong> peut pr\u00e9tendre \u00e0 <strong>diff\u00e9rents pr\u00eats aid\u00e9s<\/strong> by <strong>l\u2019Etat<\/strong>\u00a0:<\/p>\n<ul>\n<li>The <strong>ready<\/strong> has <strong>l\u2019accession sociale<\/strong> s\u2019adresse aux <strong>borrowers<\/strong> has <strong>revenus modestes,<\/strong> \u00e0 qui l\u2019on octroie des <strong>conditions d\u2019emprunt<\/strong> more <strong>favorables<\/strong>\u00a0;<\/li>\n<li><a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F10871\" target=\"_blank\" rel=\"noopener\">Le pr\u00eat \u00e0 taux z\u00e9ro<\/a> (PTZ) s\u2019adresse sp\u00e9cifiquement aux <strong>first-time buyers<\/strong> et s\u2019accompagne de divers <strong>crit\u00e8res,<\/strong> of <strong>amount<\/strong> of the <strong>income<\/strong> to the <strong>geographical area<\/strong> en passant par le <strong>number<\/strong> of <strong>people<\/strong> in the <strong>foyer\u00a0<\/strong>;<\/li>\n<li>The <strong>plan \u00e9pargne logement<\/strong> est un dispositif destin\u00e9 \u00e0 aider \u00e0 la <strong>constitution<\/strong> of a <strong>\u00e9pargne<\/strong> en vue d\u2019un <strong>achat immobilier<\/strong> and to <strong>l\u2019ouverture<\/strong> of a <strong>pr\u00eat \u00e9pargne logement<\/strong> \u00e0 un <strong>taux pr\u00e9f\u00e9rentiel<\/strong>\u00a0;<\/li>\n<li>With the <strong>pr\u00eat action logement,<\/strong> le b\u00e9n\u00e9ficiaire peut se voir accorder jusqu\u2019\u00e0 <strong>40\u00a0000\u00a0\u20ac<\/strong> \u00e0 un <strong>taux pr\u00e9f\u00e9rentiel<\/strong> l\u00e0 aussi.<\/li>\n<\/ul>\n<p><strong>L\u2019assurance<\/strong> is another <strong>point important.<\/strong> C\u2019est elle qui <strong>guarantees<\/strong> the <strong>refund<\/strong> of <strong>credit<\/strong> en cas <strong>d\u2019incapacit\u00e9<\/strong> of <strong>travail, d\u2019invalidit\u00e9<\/strong> or <strong>d\u00e9c\u00e8s<\/strong> of <strong>the borrower.<\/strong> Ce dernier peut souscrire le <strong>insurance contract<\/strong> propos\u00e9 par sa <strong>banque,<\/strong> mais il est en droit de <strong>n\u00e9gocier<\/strong> with a <strong>autre assureur.<\/strong> A conditions toutefois que le <strong>contract<\/strong> qui lui est propos\u00e9 ailleurs <strong>comporte<\/strong> the <strong>garanties minimales exig\u00e9es<\/strong> over there <strong>banque.<\/strong><\/p>\n<p>If <strong>the borrower<\/strong> signe le <strong>contract<\/strong> propos\u00e9 par sa <strong>banque,<\/strong> il est en droit de <strong>changer d\u2019emprunteur<\/strong> <strong>\u00e0\u00a0tout moment,<\/strong> en respectant un pr\u00e9avis de quinze jours, durant la premi\u00e8re ann\u00e9e du contrat\u00a0; \u00e0 partir de la deuxi\u00e8me ann\u00e9e, il doit attendre deux mois avant la date anniversaire du contrat pour pouvoir changer d\u2019assureur. Dans les deux cas, en cas de <strong>changement d\u2019assureur,<\/strong> il faut <strong>toujours s\u2019assurer<\/strong> que le <strong>nouveau contrat<\/strong> offre la <strong>couverture minimale exig\u00e9e<\/strong> over there <strong>banque.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Retour sur investissement int\u00e9ressant,\u00a0 avantages fiscaux, possibilit\u00e9 d\u2019\u00e9ponger l\u2019emprunt bancaire gr\u00e2ce aux recettes locatives, la stabilit\u00e9 du march\u00e9 de l\u2019immobilier ou encore la perspective d\u2019une plus-value int\u00e9ressante en cas de revente\u2026 Nombreux sont les arguments qui plaident en faveur d\u2019un investissement dans la pierre. Des arguments qui convainquent de nombreux\u00a0jeunes \u2013 ils sont 66\u00a0% parmi &#8230; <a title=\"Obtenir un cr\u00e9dit lors de son premier achat immobilier\" class=\"read-more\" href=\"https:\/\/natureetresidencevillage.com\/en\/blog\/credit\/obtenir-un-credit-lors-de-son-premier-achat-immobilier\/\" aria-label=\"Read more about Obtenir un cr\u00e9dit lors de son premier achat immobilier\">Read more<\/a><\/p>","protected":false},"author":6,"featured_media":6603,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[265],"class_list":["post-6089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-achat-immobilier"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le guide pour obtenir un pr\u00eat lors de son premier achat immobilier<\/title>\n<meta name=\"description\" content=\"Vous cherchez \u00e0 obtenir un pr\u00eat immobilier dans le cadre de votre premier achat ? 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