{"id":23677,"date":"2022-10-10T09:08:57","date_gmt":"2022-10-10T09:08:57","guid":{"rendered":"https:\/\/mundialinvest.com\/?p=23677"},"modified":"2022-10-11T12:43:34","modified_gmt":"2022-10-11T12:43:34","slug":"do-you-have-enough-money-to-ask-for-a-mortgage-discover-it-here","status":"publish","type":"post","link":"https:\/\/mundialinvest.com\/fr\/do-you-have-enough-money-to-ask-for-a-mortgage-discover-it-here\/","title":{"rendered":"Combien de capital dois-je mettre sur un pr\u00eat hypoth\u00e9caire\u00a0?"},"content":{"rendered":"<div class=\"headline-article\">\n<h3 class=\"article-subtitle headline-article__subtitle\">Lors de l&#039;achat d&#039;une maison, il est conseill\u00e9 d&#039;avoir l&#039;avis d&#039;un expert pour conna\u00eetre en d\u00e9tail tous les facteurs \u00e0 prendre en compte.<picture class=\"image\"><img fetchpriority=\"high\" decoding=\"async\" title=\"L&#039;achat d&#039;une maison est une d\u00e9cision importante dans la vie d&#039;une personne.\" src=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/bf8e1db0-4751-4b74-9401-28e253e3e1c5_16-9-discover-aspect-ratio_default_0.jpg\" alt=\"Buying a home is an important decision in a person's life.\" width=\"1200\" height=\"675\" \/><\/picture><\/h3>\n<p class=\"article-photo__footer\"><em>L&#039;achat d&#039;une maison est une d\u00e9cision importante dans la vie d&#039;une personne.<\/em><\/p>\n<\/div>\n<div>\n<p class=\"article-body__text article-body__text--entry article-body__text-middle\">La\u00a0<strong>Enqu\u00eate Continue aupr\u00e8s des M\u00e9nages (ECH) de l&#039;Institut National de la Statistique (INE)<\/strong>\u00a0indique que\u00a0<strong>76.8% des m\u00e9nages espagnols sont poss\u00e9d\u00e9s<\/strong>\u00a0. Dans ce pays, on pr\u00e9f\u00e8re acheter pour louer et selon les donn\u00e9es de juin dernier de l&#039;INE, il y a plus de\u00a0<strong>56 000 maisons hypoth\u00e9qu\u00e9es<\/strong>\u00a0.<\/p>\n<div class=\"article-body--seo-closed\">\n<p class=\"article-body__text\"><strong>Demander un pr\u00eat hypoth\u00e9caire<\/strong>\u00a0est le moyen le plus courant de financer\u00a0<strong>l&#039;achat d&#039;une maison<\/strong>\u00a0. Et, bien que cela semble \u00eatre une proc\u00e9dure simple, une s\u00e9rie de facteurs doivent \u00eatre pris en compte avant de proc\u00e9der \u00e0 l&#039;op\u00e9ration, tels que\u00a0<strong>comme la solvabilit\u00e9 financi\u00e8re de l&#039;acheteur, le niveau d&#039;\u00e9pargne et le type d&#039;hypoth\u00e8que sont d\u00e9terminants.\u00a0<\/strong>\u00a0Dans ce processus, en utilisant\u00a0<a class=\"link copy\" title=\"un simulateur de cr\u00e9dit immobilier\" href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/538685584;347124856;b\" target=\"_blank\" rel=\"noopener sponsored\"><strong>un simulateur de cr\u00e9dit immobilier<\/strong><\/a>\u00a0\u00a0est d&#039;une grande aide pour le futur propri\u00e9taire.<\/p>\n<h2 class=\"article-body__ladillo\"><strong>C&#039;est l&#039;argent que vous auriez d\u00fb \u00e9conomiser pour acheter une maison<\/strong><\/h2>\n<p class=\"article-body__text\">Avez-vous assez d&#039;argent pour faire l&#039;investissement initial? Lors d&#039;une demande de pr\u00eat hypoth\u00e9caire,\u00a0<strong>les banques tiennent compte de la solvabilit\u00e9 financi\u00e8re et du niveau d&#039;\u00e9pargne de l&#039;acheteur<\/strong>\u00a0.<\/p>\n<p class=\"article-body__text\">En g\u00e9n\u00e9ral, les banques financent un\u00a0<strong>maximum 80% de la valeur d&#039;expertise ou d&#039;achat du logement, s&#039;il s&#039;agit d&#039;une r\u00e9sidence principale<\/strong>\u00a0. D\u00e8s lors, l&#039;avenir\u00a0<strong>le propri\u00e9taire doit avoir \u00e9pargn\u00e9 les 20% restants et, en sus, entre environ 10% et 15% du prix total du bien pour couvrir les d\u00e9penses d\u00e9coulant de l&#039;op\u00e9ration<\/strong>\u00a0comme le notaire, les imp\u00f4ts ou l&#039;inscription au registre foncier.<\/p>\n<div class=\"multimedia-block__element\" data-lozad-loaded=\"true\"><picture class=\"lozad image picture-inbody\" data-iesrc=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/c4535d84-be37-4ab1-ad5f-458c33159e67_source-aspect-ratio_75p_0.jpg\" data-alt=\"Es conveniente tener ahorrado el 35% del coste total de una vivienda.\" data-loaded=\"true\"><img decoding=\"async\" src=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/c4535d84-be37-4ab1-ad5f-458c33159e67_source-aspect-ratio_default_0.jpg\" alt=\"Es conveniente tener ahorrado el 35% del coste total de una vivienda.\" \/><\/picture><\/div>\n<p class=\"article-photo__footer\"><em>Il est commode d&#039;avoir \u00e9conomis\u00e9 35% du co\u00fbt total d&#039;une maison.<\/em><\/p>\n<p class=\"article-body__text\">Par exemple, Mart\u00ed et Laura sont deux jeunes qui veulent acheter leur premi\u00e8re maison. A eux deux, ils ont un revenu de 2 600 euros par mois et souhaitent acheter un appartement \u00e0 200 000 euros \u00e0 Ibiza. Au total, selon\u00a0<a class=\"link copy\" title=\"Simulateur hypoth\u00e9caire de Banco Sabadell\" href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/538685584;347124856;b\" target=\"_blank\" rel=\"noopener sponsored\"><strong>au simulateur hypoth\u00e9caire de Banco Sabadell<\/strong><\/a><strong>\u00a0,<\/strong>\u00a0pour acqu\u00e9rir cette maison, ils auraient d\u00fb \u00e9conomiser environ 70 000 euros pour couvrir l&#039;acompte sur la maison (40 000 euros) et les d\u00e9penses li\u00e9es \u00e0 la vente (30 000 euros).<\/p>\n<h2 class=\"article-body__ladillo\"><strong>Hypoth\u00e8que \u00e0 taux fixe ou \u00e0 taux variable ?\u00a0<\/strong><\/h2>\n<p class=\"article-body__text\">Decider\u00a0<a class=\"link copy\" title=\"quel type d&#039;hypoth\u00e8que\" href=\"https:\/\/www.diariodeibiza.es\/economia\/2022\/09\/28\/firma-hipotecas-viviendas-marca-record-75984853.html\" target=\"_blank\" rel=\"noopener sponsored\">quel type de pr\u00eat hypoth\u00e9caire<\/a>\u00a0est le mieux pour moi, la premi\u00e8re chose est de conna\u00eetre les diff\u00e9rences qui existent entre l&#039;un et l&#039;autre :<\/p>\n<ul class=\"article-body__text article-list article-list--unordered\">\n<li><strong>Hypoth\u00e8que fixe.\u00a0<\/strong>Dans ce cas, le versement et le taux d&#039;int\u00e9r\u00eat restent les m\u00eames pendant toute la dur\u00e9e du pr\u00eat hypoth\u00e9caire. En g\u00e9n\u00e9ral, la p\u00e9riode de remboursement est g\u00e9n\u00e9ralement plus courte et offre des taux d&#039;int\u00e9r\u00eat plus \u00e9lev\u00e9s que les pr\u00eats hypoth\u00e9caires \u00e0 taux variable.<\/li>\n<li><strong>Hypoth\u00e8que variable.\u00a0<\/strong>Il se caract\u00e9rise par un taux d&#039;int\u00e9r\u00eat compos\u00e9 d&#039;un pourcentage fixe (le diff\u00e9rentiel) et d&#039;une autre variable (l&#039;indice de r\u00e9f\u00e9rence), qui en Espagne est g\u00e9n\u00e9ralement l&#039;Euribor. Celui-ci est revu tous les 6 \u00e0 12 mois. L&#039;avantage de ce type de pr\u00eat hypoth\u00e9caire est que la p\u00e9riode de remboursement est g\u00e9n\u00e9ralement plus longue et qu&#039;il a g\u00e9n\u00e9ralement des taux d&#039;int\u00e9r\u00eat inf\u00e9rieurs \u00e0 ceux des pr\u00eats hypoth\u00e9caires \u00e0 taux fixe. Bien qu&#039;il faille tenir compte du fait qu&#039;il est soumis aux changements qui se produisent sur les march\u00e9s.<\/li>\n<\/ul>\n<p class=\"article-body__text\"><strong>Que sont le TIN et l&#039;APR\u00a0?\u00a0<\/strong><\/p>\n<p class=\"article-body__text\">Au-del\u00e0 du taux d&#039;int\u00e9r\u00eat fixe ou variable, deux grandeurs tr\u00e8s importantes sont \u00e9galement \u00e0 prendre en compte pour le prix final du cr\u00e9dit immobilier et les mensualit\u00e9s : le\u00a0<strong>taux d&#039;int\u00e9r\u00eat nominal<\/strong>\u00a0(TIN) et le\u00a0<strong>taux \u00e9quivalent annuel<\/strong>\u00a0(AVR).<\/p>\n<div class=\"article-text-highlight\">\n<ul>\n<li><strong>\u00c9TAIN.\u00a0<\/strong>C&#039;est le taux d&#039;int\u00e9r\u00eat fixe appliqu\u00e9 par la banque pour l&#039;argent emprunt\u00e9. Il ne prend en compte que le taux d&#039;int\u00e9r\u00eat offert par la banque et n&#039;inclut pas les d\u00e9penses d\u00e9coulant de l&#039;op\u00e9ration.<\/li>\n<li><strong>AVR.\u00a0<\/strong>Il est calcul\u00e9 en tenant compte de facteurs tels que les commissions, le TIN et d&#039;autres d\u00e9penses associ\u00e9es \u00e0 l&#039;op\u00e9ration. C&#039;est la valeur qui sert \u00e0 conna\u00eetre le co\u00fbt r\u00e9el d&#039;un cr\u00e9dit immobilier et qui sert \u00e0 \u00e9tablir des comparaisons entre pr\u00eats immobiliers.<\/li>\n<\/ul>\n<article class=\"article-photo article-photo--\">\n<div class=\"multimedia-block__element\" data-lozad-loaded=\"true\"><picture class=\"lozad image picture-inbody\" data-iesrc=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/ce545b55-6224-4bc5-afae-6cc76cc01b64_16-9-discover-aspect-ratio_75p_0.jpg\" data-alt=\"Tipo fijo o variable, hay que saber qu\u00e9 tipo de hipoteca te conviene m\u00e1s.\" data-loaded=\"true\"><img decoding=\"async\" src=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/ce545b55-6224-4bc5-afae-6cc76cc01b64_16-9-discover-aspect-ratio_default_0.jpg\" alt=\"Tipo fijo o variable, hay que saber qu\u00e9 tipo de hipoteca te conviene m\u00e1s.\" \/><\/picture><\/div>\n<p class=\"article-photo__footer\"><em>Taux fixe ou variable, vous devez savoir quel type de pr\u00eat hypoth\u00e9caire vous convient le mieux.<\/em><\/p>\n<\/article>\n<h2 class=\"article-body__ladillo\"><strong>Quelles sont les d\u00e9penses li\u00e9es \u00e0 l&#039;achat d&#039;une maison?\u00a0<\/strong><\/h2>\n<p class=\"article-body__text\">Pour acheter une maison, vous devez tenir compte de la\u00a0<strong>d\u00e9penses associ\u00e9es<\/strong>\u00a0qui, environ, repr\u00e9sentent entre 10% et 15% du prix total du bien.<\/p>\n<ol class=\"article-body__text article-list article-list--ordered\">\n<li><strong>Imp\u00f4ts.\u00a0<\/strong>Dans le cas d&#039;une maison neuve, il faut payer la taxe sur la valeur ajout\u00e9e (TVA), qui est de 10% dans toute l&#039;Espagne, et la taxe sur les actes juridiques document\u00e9s (AJD), qui, selon la communaut\u00e9 autonome, varie de 0,5% \u00e0 1.5%. Si le logement est d&#039;occasion, l&#039;acqu\u00e9reur devra s&#039;acquitter de la taxe de mutation immobili\u00e8re (ITP), qui varie entre 6% et 10% selon la r\u00e9gion dans laquelle se situe le bien.<\/li>\n<li><strong>Inscription au registre foncier.\u00a0<\/strong>Cela d\u00e9pend de la valeur cadastrale de la propri\u00e9t\u00e9. Il peut \u00eatre compris entre 600 et 1 000 euros.<\/li>\n<li><strong>Notaire.\u00a0<\/strong>Cette charge est r\u00e9glement\u00e9e par l&#039;\u00c9tat et varie en fonction du prix du bien et du nombre de pages de l&#039;acte. Il oscille entre 600 et 1 000 euros.<\/li>\n<li><strong>Agence.\u00a0<\/strong>C&#039;est une d\u00e9pense facultative, mais dans le cas de l&#039;embauche d&#039;un manager pour acc\u00e9l\u00e9rer certaines formalit\u00e9s, elle peut \u00eatre comprise entre 300 et 500 euros.<\/li>\n<\/ol>\n<p class=\"article-body__text\">En plus des d\u00e9penses d\u00e9coulant de l&#039;op\u00e9ration de vente, il existe d&#039;autres d\u00e9penses pour la constitution de l&#039;hypoth\u00e8que.<\/p>\n<ul class=\"article-body__text article-list article-list--unordered\">\n<li><strong>\u00c9valuation de la maison.\u00a0<\/strong>Il co\u00fbte g\u00e9n\u00e9ralement entre 200 et 600 euros.<\/li>\n<li><strong>Commissions.\u00a0<\/strong>Pour contracter le pr\u00eat hypoth\u00e9caire, la banque peut facturer une commission d&#039;ouverture. Cependant, des entit\u00e9s telles que Banco Sabadell n&#039;appliquent pas actuellement cette commission.<\/li>\n<\/ul>\n<div class=\"video-container\"><iframe title=\"#SabadellLoFirmo - BANCO SABADELL\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/Hm3lrl770Qk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n<h3><\/h3>\n<h3 class=\"article-body__ladillo\"><strong>Combien dois-je allouer au paiement de la mensualit\u00e9 hypoth\u00e9caire ?<\/strong><\/h3>\n<p class=\"article-body__text\">La\u00a0<strong>Association hypoth\u00e9caire espagnole (AHE)<\/strong>\u00a0recommande que\u00a0<strong>la mensualit\u00e9 n&#039;exc\u00e8de pas 30% des revenus d&#039;un m\u00e9nage<\/strong>\u00a0et, s&#039;il existe un autre type de cr\u00e9dit, la capacit\u00e9 d&#039;emprunt ne doit pas d\u00e9passer 40%.<\/p>\n<p class=\"article-body__text\">Dans le cas pr\u00e9c\u00e9dent, si Mart\u00ed et Laura gagnent 2 600 euros par mois et que leur seule dette est l&#039;hypoth\u00e8que, ils peuvent allouer un maximum de 780 euros pour payer la mensualit\u00e9.<\/p>\n<p class=\"article-body__text\"><em>Cela peut vous int\u00e9resser : d\u00e9couvrez avec ceci\u00a0<\/em><a class=\"link copy\" title=\"simulateur le versement et le type de pr\u00eat hypoth\u00e9caire recommand\u00e9\" href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/538685584;347124856;b\" target=\"_blank\" rel=\"noopener sponsored\"><em><strong>simulateur le paiement et le type de pr\u00eat hypoth\u00e9caire recommand\u00e9<\/strong><\/em><\/a><em>\u00a0selon vos besoins<\/em><\/p>\n<div class=\"article-body__embed\"><iframe src=\"https:\/\/maquetas.prensaiberica.es\/mktpi360\/besolutions\/newcta\/calculahipoteca\/cta_ibiza.html\" width=\"100%\" height=\"300\" frameborder=\"0\" scrolling=\"no\" data-gtm-yt-inspected-474=\"true\" data-gtm-yt-inspected-13618963_343=\"true\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<p class=\"article-body__text\">Dans tous les cas, lors de l&#039;achat d&#039;une maison, il est conseill\u00e9 d&#039;avoir\u00a0<a class=\"link copy\" title=\"les conseils d&#039;un expert\" href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/538685584;347124856;b\" target=\"_blank\" rel=\"noopener sponsored\">les conseils d&#039;un expert<\/a>\u00a0, comme celui de la banque, pour conna\u00eetre en d\u00e9tail tous les facteurs qui doivent \u00eatre pris en compte.<\/p>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Lors de l&#039;achat d&#039;une maison, il est conseill\u00e9 d&#039;avoir l&#039;avis d&#039;un expert pour conna\u00eetre en d\u00e9tail tous les facteurs \u00e0 prendre en compte. L&#039;achat d&#039;une maison est une d\u00e9cision importante dans la vie d&#039;une personne. L&#039;enqu\u00eate continue aupr\u00e8s des m\u00e9nages (ECH) de l&#039;Institut national de la statistique (INE) indique que 76,8% de m\u00e9nages espagnols sont propri\u00e9taires. Dans ce pays, on pr\u00e9f\u00e8re acheter que louer et\u2026<\/p>","protected":false},"author":4,"featured_media":23679,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Capital Do I Need to Put Down on a Mortgage? - mundialinvest.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mundialinvest.com\/fr\/do-you-have-enough-money-to-ask-for-a-mortgage-discover-it-here\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Capital Do I Need to Put Down on a Mortgage? - mundialinvest.com\" \/>\n<meta property=\"og:description\" content=\"When buying a home, it is advisable to have the advice of an expert to know in detail all the factors that must be taken into account. Buying a home is an important decision in a person&#8217;s life. 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