{"id":365,"date":"2021-01-03T15:47:00","date_gmt":"2021-01-03T14:47:00","guid":{"rendered":"http:\/\/ez-balance.com\/blog\/?p=365"},"modified":"2021-01-25T07:10:23","modified_gmt":"2021-01-25T06:10:23","slug":"acheteur-recherche-credit-immobilier","status":"publish","type":"post","link":"https:\/\/ez-balance.com\/blog\/index.php\/2021\/01\/03\/acheteur-recherche-credit-immobilier\/","title":{"rendered":"Acheteur recherche cr\u00e9dit"},"content":{"rendered":"\n

Tout commence par une recherche de cr\u00e9dit immobilier. Cela est souvent le cas mais les restrictions impos\u00e9es par la banque de France sur l’endettement des fran\u00e7ais a rendu cela encore plus vrai. Pour s’en convaincre (s’il le faut toujours), tous les chasseurs d’appartement nous l’ont rappel\u00e9 d\u00e8s notre premier entretien.<\/p>\n\n\n\n

Obtenir un cr\u00e9dit immobilier?<\/h2>\n\n\n\n

Il faut donc repartir sur l’exercice de rigueur: regarder le taux d’endettement (loyer+emprunts \/ salaire+revenus fonciers) et preparer tous les documents qui vont bien. Une bonne nouvelle est arriv\u00e9e avec la remont\u00e9e du taux d’endettement maximal \u00e0 35% au lieu de 33%. Ce n’est pas grand chose mais ca peut toujours aider. La spreadsheet a ete faite, les infos export\u00e9es d’ez-Balance<\/a>. Tout est calcul\u00e9 et nous sommes bons: en dessous des 35% et m\u00eame des 33%. Trouver un financement devrait donc \u00eatre une formalit\u00e9! <\/p>\n\n\n\n

L’option banque<\/h2>\n\n\n\n

Nous nous sommes donc mis en qu\u00eate d’un financement ou, plut\u00f4t, d’une confirmation que nous pouvions obtenir notre emprunt. Pour cela, deux options principales: une de nos banques en France ou un courtier.<\/p>\n\n\n\n

Meme si le choix du courtier semble plus facile (la d\u00e9l\u00e9gation a du bon), on se concentre pour le moment sur nos banques existantes. Pour la premiere, la Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, c’est tr\u00e8s simple, elle ne pr\u00eate plus aux expatri\u00e9s en contrat local. Bizarre pour une agence d\u00e9di\u00e9e \u00e0 la client\u00e8le priv\u00e9e internationale mais les ordres sont les ordres et il faut croire que la FATCA continue de faire peur aux banques non-US. On se rabat donc sur la deuxi\u00e8me, la BRED qui nous avait d\u00e9j\u00e0 aid\u00e9 \u00e0 financer notre premier investissement. Cela fait d\u00e9j\u00e0 15 jours et pas de nouvelle \u00e0 l’horizon. On continue de pousser.<\/p>\n\n\n\n

L’option courtier<\/h2>\n\n\n\n

Dans le meme temps, nous nous sommes approch\u00e9s de http:\/\/www.meilleurstaux.com<\/a> afin d’avoir une petite id\u00e9e des taux dont on pourrait b\u00e9n\u00e9ficier. Tout se passe en ligne (c’est bien pratique) mais c’est apr\u00e8s que ca se complique: Notre contact ne semble plus trop int\u00e9ress\u00e9 au point de ne plus r\u00e9pondre \u00e0 nos emails pour prendre un rendez-vous t\u00e9l\u00e9phonique (ce qui est assez \u00e9tonnant). On a tout de meme une petite id\u00e9e du taux “standard”: 1%.<\/p>\n\n\n\n

Du coup, on se concentre sur la banque avec laquelle nous avons d\u00e9j\u00e0 un emprunt et on va voir quel taux elle peut effectivement nous proposer m\u00eame s’il est presque certain que ce ne sera pas 1%. On va donc continuer de relancer pour voir ou cela nous emm\u00e8ne (peut-\u00eatre vers un courtier, des fois que le taux soit vraiment trop haut).<\/p>\n\n\n\n

\n
TOUTE L’AVENTURE<\/a><\/div>\n<\/div>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Tout commence par une recherche de cr\u00e9dit immobilier. Cela est souvent le cas mais les restrictions impos\u00e9es par la banque de France sur l’endettement des fran\u00e7ais a rendu cela encore plus vrai. Pour s’en convaincre (s’il le faut toujours), tous les chasseurs d’appartement nous l’ont rappel\u00e9 d\u00e8s notre premier entretien. Obtenir un cr\u00e9dit immobilier? Il […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,15],"tags":[16],"class_list":["post-365","post","type-post","status-publish","format-standard","hentry","category-achat-paris","category-immobilier","tag-fr"],"yoast_head":"\nAcheteur recherche cr\u00e9dit - ez-Balance<\/title>\n<meta name=\"description\" content=\"Notre aventure de l'investissement immobilier continue, avec notre recherche de financement et donc de cr\u00e9dit immobilier!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ez-balance.com\/blog\/index.php\/2021\/01\/03\/acheteur-recherche-credit-immobilier\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Acheteur recherche cr\u00e9dit - 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