{"id":13283,"date":"2022-05-31T18:41:12","date_gmt":"2022-05-31T16:41:12","guid":{"rendered":"https:\/\/www.gridky.com\/blog\/?p=13283"},"modified":"2022-08-30T10:47:04","modified_gmt":"2022-08-30T08:47:04","slug":"comment-preparer-votre-dossier-de-pret-immobilier","status":"publish","type":"post","link":"https:\/\/www.gridky.com\/blog\/comment-preparer-votre-dossier-de-pret-immobilier\/","title":{"rendered":"Comment pr\u00e9parer votre dossier de pr\u00eat immobilier ?"},"content":{"rendered":"<h1>Pr\u00e9parer votre dossier de pr\u00eat immobilier<\/h1>\n<h2>Les pi\u00e8ces essentielles \u00e0 fournir<\/h2>\n<ul>\n<li>3 derniers bulletins de salaire si vous \u00eates salari\u00e9<\/li>\n<li>3 derniers bilans comptables si vous \u00eates \u00e0 votre compte<\/li>\n<li>Votre contrat de travail<\/li>\n<li>2 derniers avis d\u2019imposition<\/li>\n<li>3 derniers relev\u00e9s de comptes en banque (compte courant et compte \u00e9pargne s&rsquo;il y a)<\/li>\n<li>Vos cr\u00e9dits en cours<\/li>\n<li>Justificatif d\u2019identit\u00e9 (CNI ou passeport)<\/li>\n<li>Votre livret de famille\u00a0ou votre certificat de Pacs,\u00a0ou votre livret de mariage dans le cas o\u00f9\u00a0vous achetez en couple<\/li>\n<li>Justificatif de domicile actuel datant de moins de 3 mois (facture EDF, attestation d&rsquo;h\u00e9bergement, facture de t\u00e9l\u00e9phone, etc.)<\/li>\n<\/ul>\n<p>Afin d&rsquo;optimiser vos chances d&rsquo;obtenir votre cr\u00e9dit, vous devez <strong>justifier de pr\u00e9f\u00e9rence un\u00a0CDI avec plusieurs ann\u00e9es d\u2019anciennet\u00e9<\/strong>. En revanche, vous devez pr\u00e9senter les 2 ou 3 derni\u00e8res ann\u00e9es de bilan dans le cas o\u00f9 vous \u00eates artisan ou issu de la profession lib\u00e9rale.<\/p>\n<p>&nbsp;<\/p>\n<h2>Votre apport personnel<\/h2>\n<p><strong>L\u2019apport personnel\u00a0repr\u00e9sente au minimum<\/strong> <strong>entre\u00a010 et 20\u00a0%<\/strong> du prix du bien\u00a0auquel vous souhaitez pr\u00e9tendre. Si ces conditions ne sont pas respect\u00e9es votre pr\u00eat risque de ne pas \u00eatre accord\u00e9 par la banque.<\/p>\n<p>Il couvre un certain nombre de d\u00e9penses comme :<\/p>\n<ul>\n<li>les\u00a0frais de notaire, de dossier et de garanties<\/li>\n<li>L&rsquo;acompte compris entre 5 et 10 % de la valeur du bien<\/li>\n<\/ul>\n<p>Avec des pr\u00eats aid\u00e9s en d\u00e9bloquant son \u00e9pargne salariale ou en puisant dans ses \u00e9conomies afin d&rsquo;obtenir l\u2019apport le plus important pour maximiser vos chances d\u2019avoir un taux d\u2019emprunt avantageux.<\/p>\n<p>&nbsp;<\/p>\n<h2>Documents pouvant faire la diff\u00e9rence<\/h2>\n<p>D&rsquo;autres<strong> documents se r\u00e9v\u00e8lent utiles afin mettre en valeur votre s\u00e9rieux financier comme par exemple vos placements d\u2019\u00e9pargne<\/strong> (diff\u00e9rents livrets d\u2019\u00e9pargne, assurance-vie,\u00a0patrimoine) etc. Les banques prennent fortement en consid\u00e9ration votre capacit\u00e9 \u00e0 mettre de l&rsquo;argent de c\u00f4t\u00e9. \u00c9vitez les d\u00e9couverts les 3 derniers mois \u00e9tant donn\u00e9 que la banque v\u00e9rifiera vos 3 derniers relev\u00e9s de compte.<\/p>\n<p>&nbsp;<\/p>\n<p>D\u00e9couvrez une\u00a0<a href=\"https:\/\/www.gridky.com\/nous-contacter-pro\">d\u00e9monstration Gridky<\/a> gratuite ainsi que l&rsquo;ensemble de nos <a href=\"https:\/\/pro.gridky.com\/comparateur?project=pinel&amp;criterias_ranking%5B0%5D=rent_profitability&amp;criterias_ranking%5B1%5D=potential_capital_gain&amp;criterias_ranking%5B2%5D=resale_easiness&amp;criterias_ranking%5B3%5D=rental_security&amp;criterias_ranking%5B4%5D=neighborhood_attractivity&amp;availability=all&amp;page=1&amp;per_page=15&amp;orderBy=global_score&amp;only_restricted=0&amp;only_not_restricted=0&amp;isPro=1&amp;is_new=0&amp;is_back_on_sale=0&amp;only_properties=0\">biens en Loi Pinel<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-13290 size-full\" title=\"Comment pr\u00e9parer votre dossier de pr\u00eat immobilier ?\" src=\"https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2022\/05\/pexels-max-vakhtbovych-6312361-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2022\/05\/pexels-max-vakhtbovych-6312361-scaled.jpg 2560w, https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2022\/05\/pexels-max-vakhtbovych-6312361-300x200.jpg 300w, https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2022\/05\/pexels-max-vakhtbovych-6312361-1024x683.jpg 1024w, https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2022\/05\/pexels-max-vakhtbovych-6312361-768x512.jpg 768w, https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2022\/05\/pexels-max-vakhtbovych-6312361-1536x1024.jpg 1536w, https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2022\/05\/pexels-max-vakhtbovych-6312361-2048x1365.jpg 2048w, https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2022\/05\/pexels-max-vakhtbovych-6312361-480x321.jpg 480w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>La promesse ou le compromis de vente<\/h2>\n<p>C&rsquo;est ce qui permettra \u00e0 la banque de pouvoir d\u00e9finir votre s\u00e9rieux et votre solvabilit\u00e9. En <strong>anticipant la pr\u00e9paration de ces documents<\/strong>, vous mettez toutes vos chances de votre c\u00f4t\u00e9.<\/p>\n<p>&nbsp;<\/p>\n<h3>Calculez votre capacit\u00e9 d&rsquo;endettement<\/h3>\n<p>Vous devez \u00eatre en mesure d&rsquo;anticiper le calcul de vos capacit\u00e9s de remboursement. De mani\u00e8re g\u00e9n\u00e9rale, <strong>vos mensualit\u00e9s incluant \u00e9galement d&rsquo;autres cr\u00e9dits ne doivent pas \u00eatre au-del\u00e0 de 33 \u00e0 35 %<\/strong> de vos revenus (d\u00e9couvrez comment calculer votre capacit\u00e9 d&#8217;emprunt). Au-dessus, vous perdez vos chances d&rsquo;obtenir un pr\u00eat aupr\u00e8s des banques.<\/p>\n<p>Nous vous invitons \u00e0 calculer votre <a href=\"https:\/\/www.gridky.com\/simulateur\/capacite-emprunt\">capacit\u00e9 d&#8217;emprunt<\/a> directement sur notre site.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pr\u00e9parer votre dossier de pr\u00eat immobilier Les pi\u00e8ces essentielles \u00e0 fournir 3 derniers bulletins de salaire si vous \u00eates salari\u00e9 3 derniers bilans comptables si vous \u00eates \u00e0 votre compte Votre contrat de travail 2 derniers avis d\u2019imposition 3 derniers relev\u00e9s de comptes en banque (compte courant et compte \u00e9pargne s&rsquo;il y a) Vos cr\u00e9dits&hellip;<\/p>\n","protected":false},"author":13,"featured_media":13287,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[60],"tags":[],"yoast_head":"<!-- This site is optimized with the 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