{"id":441,"date":"2021-04-03T09:52:39","date_gmt":"2021-04-03T07:52:39","guid":{"rendered":"http:\/\/ez-balance.com\/blog\/?p=441"},"modified":"2021-04-03T10:57:03","modified_gmt":"2021-04-03T08:57:03","slug":"financement-immobilier-et-la-lumiere-fut","status":"publish","type":"post","link":"https:\/\/ez-balance.com\/blog\/index.php\/2021\/04\/03\/financement-immobilier-et-la-lumiere-fut\/","title":{"rendered":"Financement immobilier: Et la lumi\u00e8re fut!"},"content":{"rendered":"\n
\"Financement
Image par OpenClipart-Vectors<\/a> de Pixabay<\/a><\/sup><\/em><\/span><\/figcaption><\/figure><\/div>\n\n\n\n

apr\u00e8s ce qui avait \u00e9t\u00e9, il faut bien le reconna\u00eetre, une demie victoire (mais surtout un peu une d\u00e9ception), il a fallu aller de l’avant. Ce qui signifiait poursuivre nos efforts sur le financement immobilier et finaliser le choix du chasseur.<\/p>\n\n\n\n

De l’art d’\u00eatre t\u00eatu et de ne fermer aucune porte<\/h2>\n\n\n\n

Puisque notre relation existante avec la banque ne nous avait pas vraiment aid\u00e9, il fallait reprendre notre b\u00e2ton de p\u00e8lerin immobilier non-r\u00e9sident et chercher un nouveau courtier. Quelques noms nous ont \u00e9t\u00e9 souffl\u00e9s, du c\u00f4t\u00e9 de chez Pretto <\/a>et… MeilleursTaux.com<\/a> (encore!). Ailleurs \u00e9galement, mais il fallait aussi \u00e9viter de trop s\u2019\u00e9parpiller, avec le c\u00f4t\u00e9 chronophage de remplir des documents tous diff\u00e9rents accompagn\u00e9s de toutes les pi\u00e8ces jointes et des explications requises.<\/p>\n\n\n\n

L\u2019exp\u00e9rience MeilleursTaux.com<\/a> tourna rapidement court (d\u00e9cid\u00e9ment, un joli 3 sur 3). Si on avait d\u00e9sormais un contact sp\u00e9cialis\u00e9 dans les non-r\u00e9sidents, il nous a \u00e9t\u00e9 demand\u00e9 de… remonter le dossier depuis le d\u00e9but. On se demande toujours pourquoi cela n’avait pas \u00e9t\u00e9 transf\u00e9r\u00e9 imm\u00e9diatement. Nous aurions pu consid\u00e9rer si, entre-temps, Pretto <\/a>n’avait pas \u00e9t\u00e9 r\u00e9actifs et revenus vers nous pour un entretien suivi d’un rendez-vous avec une conseill\u00e8re, l\u00e0 aussi, sp\u00e9cialis\u00e9e pour le non-r\u00e9sidents. L’affaire a \u00e9t\u00e9 rapidement entendue, avec un joli taux estim\u00e9 \u00e0 1.3%-1.4%. A la clef, une attestation de possibilit\u00e9 de financement \u00e0 produire \u00e0 notre chasseur immobilier. Chasseur dont la s\u00e9lection s’est \u00e9galement achev\u00e9e dans le m\u00eame temps.<\/p>\n\n\n\n

Passer (enfin) aux choses s\u00e9rieuses<\/h2>\n\n\n\n

Si nous avons beaucoup parl\u00e9 de la recherche de financement, la recherche de notre chasseur immobilier s\u2019\u00e9tait faite en parall\u00e8le. Forts de notre exp\u00e9rience r\u00e9ussie avec eux, nous sommes d’abord retourn\u00e9s voir myExpat<\/a>. Quelques ann\u00e9es se sont pass\u00e9es avec quelques changements de business model mais ils semblent revenus au mod\u00e8le initial. Mod\u00e8le qui nous avait plu pour notre premi\u00e8re acquisition avec notre manque d\u2019exp\u00e9rience d’alors. Malheureusement, le montant des frais a encore augment\u00e9 (7.5% aujourd’hui). Vues notre exp\u00e9rience et la concurrence qui s’est d\u00e9velopp\u00e9e, cela s’est r\u00e9v\u00e9l\u00e9 \u00eatre vite \u00e9liminatoire. Nous avons donc privil\u00e9gi\u00e9 la discussion avec les deux autres chasseurs, Manolia Immobilier<\/a> et The Place to be<\/a>. Deux r\u00e9f\u00e9rences qui jouaient dans des registres similaires: chasseurs immobiliers sp\u00e9cialis\u00e9s dans la client\u00e8le internationale. La vraie diff\u00e9rence \u00e9tant la taille de la structure. Au final, notre choix s’est port\u00e9 sur Manolia <\/a>avec qui nous avons depuis sign\u00e9 notre mandat. Une plus petite structure mais qui nous a sembl\u00e9 plus \u00e0 m\u00eame d\u2019\u00eatre \u00e0 l\u2019\u00e9coute de nos besoins.<\/p>\n\n\n\n

Entre confinement et bouleversement du march\u00e9<\/h2>\n\n\n\n

\u00c7a y est, nous sommes donc pr\u00eats. Le marche a beaucoup \u00e9volu\u00e9 depuis le d\u00e9but de notre projet mais les chiffres continuent de faire sens. La pression sur Paris va-t-elle nous permettre de n\u00e9gocier davantage? Cela nous permettra-t-il de compenser la baisse des loyers que l’on constate sur les petites surfaces (et subit sur notre premier investissement)? Autant de questions auxquelles nous apporterons les r\u00e9ponses dans les prochaines semaines. Revenez donc sur le blog d’ez-Balance<\/a> d’ici peu pour voir nos progr\u00e8s. A tr\u00e8s bient\u00f4t!<\/p>\n\n\n\n

\n
TOUTE l’AVENTURE<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

apr\u00e8s ce qui avait \u00e9t\u00e9, il faut bien le reconna\u00eetre, une demie victoire (mais surtout un peu une d\u00e9ception), il a fallu aller de l’avant. Ce qui signifiait poursuivre nos efforts sur le financement immobilier et finaliser le choix du chasseur. De l’art d’\u00eatre t\u00eatu et de ne fermer aucune porte Puisque notre relation existante […]<\/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-441","post","type-post","status-publish","format-standard","hentry","category-achat-paris","category-immobilier","tag-fr"],"yoast_head":"\nAchat Paris: Financement immobilier: Et la lumi\u00e8re fut! - ez-Balance<\/title>\n<meta name=\"description\" content=\"La lumi\u00e8re appara\u00eet au bout du long tunnel du financement immobilier en tant que non-r\u00e9sidents. 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