L’acquisition d’un bien immobilier implique souvent le recours à un crédit. En effet, rares sont encore les personnes qui possèdent les moyens nécessaires pour réaliser un tel investissement en argent comptant. Mais, bien évidemment, un prêt immobilier ne peut être attribué à n’importe qui. Au-delà d’une certaine limite, les établissements de crédit sont en droit de refuser la demande. Voici les critères pour obtenir un prêt.
Conditions pour obtenir un prêt immobilier
Avant d’accorder un crédit immobilier, les établissements bancaires cherchent à évaluer la situation financière de l’emprunteur et les risques qu’ils prennent en accordant le prêt. Ils n’hésiteront donc pas à se pencher sur la situation professionnelle et personnelle de l’emprunteur. Certaines situations sont rédhibitoires et peuvent conduire les prêteurs à rejeter la demande de prêt. Raison pour laquelle il est important de bien préparer votre dossier pour mettre les chances de votre côté.
Tout d’abord, si votre taux d’endettement dépasse les 33 % de vos revenus mensuels, il y aura de fortes chances que votre dossier soit refusé. En général, les banques n’autorisent un prêt qu’à une personne, dont l’endettement est équivalent à 1/3 des revenus. La demande de prêt peut aussi être refusée par la banque si votre situation professionnelle est trop fragile. Voilà pourquoi les prêteurs voudraient toujours consulter votre contrat de travail. Si vous travaillez en CDI, vous aurez plus de chance d’obtenir un crédit.
Si vous souhaitez emprunter pour financer votre projet immobilier, n’hésitez pas à consulter plusieurs établissements de prêt. Cela est indispensable, non seulement pour trouver le meilleur taux d’intérêt, mais surtout pour augmenter vos chances d’obtenir un prêt. Si une banque refuse votre prêt, cela ne signifie pas qu’une autre ne l’acceptera pas. En effet, les conditions d’octroi à un crédit immobilier varient d’un établissement à un autre.
Assurance emprunteur : indispensable pour la demande de crédit
Pour obtenir un prêt, il est aujourd’hui nécessaire de souscrire à une assurance emprunteur. Celle-ci n’est pas obligatoire. Cependant, les établissements prêteurs l’exigent fortement. En effet, c’est cette protection qui garantit à la banque le remboursement du montant dû dans le cas où vous êtes victime d’un accident ou d’une maladie. Tout crédit immobilier doit alors être couvert par une assurance emprunteur. Mais souscrire à une telle couverture n’est pas gratuite pour l’emprunteur. Les prix peuvent varier en fonction des offres proposées par les compagnies d’assurance.
Depuis 2010, la loi Lagarde autorise l’emprunteur à choisir le contrat d’assurance de crédit immobilier de son choix. Cela doit être conclu au moment de la signature du contrat de prêt. L’emprunteur n’est donc pas obligé de souscrire à l’assurance proposée par la banque. Il peut contracter une assurance individuelle auprès de la compagnie de son choix.
Avoir un apport personnel : la clé pour décrocher un emprunt
Si chaque organisme de crédit utilise ses propres critères pour définir un profil d’emprunteur, il est toujours indispensable de disposer d’un apport personnel lors de la demande d’un prêt immobilier. Cela est important non seulement pour réaliser des économies sur le coût de l’immobilier, mais surtout pour présenter un solide dossier. Le fait d’avoir un apport personnel prouve indéniablement que vous êtes sérieux et que vous êtes capable de préparer votre acquisition. Grâce à cela, votre chance d’obtenir un emprunt est plus élevée.
Un apport personnel peut provenir de plusieurs sources comme les économies personnelles, les dons de famille, l’héritage, la revente d’un bien immobilier… Il peut aussi provenir d’un prêt. Si vous êtes éligible à un prêt à taux zéro (PTZ), n’hésitez pas à recourir à ce type de prêt pour constituer votre apport personnel. En effet, le prêt à taux zéro est considéré comme un apport personnel par la plupart des établissements de prêt.
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