{"id":13217,"date":"2021-02-18T13:58:57","date_gmt":"2021-02-18T12:58:57","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/?p=13217"},"modified":"2022-05-11T11:13:31","modified_gmt":"2022-05-11T09:13:31","slug":"le-temoignage-de-joan-sara","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/acheter\/pret-immobilier\/le-temoignage-de-joan-sara\/","title":{"rendered":"Le t\u00e9moignage de Joan & Sara"},"content":{"rendered":"

Le #pr\u00eatjug\u00e9 le plus r\u00e9pandu ? Il faut un budget cons\u00e9quent pour devenir propri\u00e9taire au Luxembourg. Chaque semaine, d\u00e9couvrez le t\u00e9moignage de nos clients atHomeFinance qui sont devenus propri\u00e9taires avec un petit budget.<\/span><\/p>\n

<\/p>\n

Etait-ce votre premier achat et avez-vous achet\u00e9 seul(e) ou en couple ?<\/span><\/h4>\n

\"Oui, c'est notre premier achat, et nous l'avons r\u00e9alis\u00e9 en couple.\"<\/span><\/strong><\/p>\n


\nQuel \u00e9tait approximativement votre salaire mensuel (cumul\u00e9s si achet\u00e9 en couple) au moment de l\u2019achat ?<\/span><\/h4>\n

\"Environ 5200 euros net \u00e0 deux, mais avec un pr\u00eat de 600 euros \u00e0 rembourser donc plut\u00f4t 4600.\"<\/span><\/strong><\/p>\n


\n\u00c0 quel montant avez-vous-achet\u00e9 votre bien ?<\/span><\/h4>\n

\"650 000 appartement + 55 000 parking (+20 000 euros budget cuisine).\"<\/span><\/strong><\/p>\n


\nQuelle \u00e9tait la date d\u2019achat ?<\/span><\/h4>\n

\"Signature notaire mai 2020, signature du pr\u00eat janvier 2020.\"<\/span><\/strong><\/p>\n


\nAvez-vous n\u00e9goci\u00e9 ?<\/span><\/h4>\n

\"Non, c'est du neuf.\"<\/span><\/strong><\/p>\n

<\/h4>\n


\nAvez-vous choisi un taux fixe ou un taux variable ?<\/span><\/h4>\n

\"Un m\u00e9lange des deux, 10 ans de taux fixe puis 20 ans de taux variable.\"<\/span><\/strong><\/p>\n


\nSur combien d\u2019ann\u00e9es allez-vous rembourser votre pr\u00eat et \u00e0 combien s'\u00e9l\u00e8vent vos mensualit\u00e9s ?<\/span><\/h4>\n

\"2450\u20ac hors assurance pendant 30 ans.\"<\/span><\/strong><\/p>\n


\n\u00c0 quoi ressemble votre bien ?<\/span><\/h4>\n

\"Appartement de 62m2 sur plan, 1 chambre parentale avec dressing et salle de bains, pi\u00e8ce \u00e0 vivre et wc s\u00e9par\u00e9s. Cave et parking.\"<\/span><\/strong><\/p>\n


\nAvez-vous fait ou pr\u00e9vu des travaux ?<\/span><\/h4>\n

\"Comme c'est neuf nous avons le choix pour tout, pas besoin de travaux :)\"<\/span><\/strong><\/p>\n


\nCombien de temps s\u2019est \u00e9coul\u00e9 entre la prise de contact avec atHome Finance et la signature de votre bien ?<\/span><\/h4>\n

\"Nous avons dans un premier temps effectu\u00e9 une capacit\u00e9 d'emprunt en octobre pour d\u00e9finir le budget et avons trouv\u00e9 un bien en d\u00e9cembre un peu par hasard. Le courtier avait d\u00e9j\u00e0 tous les \u00e9l\u00e9ments donc le dossier a \u00e9t\u00e9 mont\u00e9 tr\u00e8s rapidement. Comme c'\u00e9tait un achat sur plan nous avions vers\u00e9 de l'argent afin de bloquer le contrat de r\u00e9servation et avions un d\u00e9lai tr\u00e8s court pour trouver une banque mais heureusement le courtier a \u00e9t\u00e9 tr\u00e8s r\u00e9actif.\"<\/span><\/strong><\/p>\n


\nAvez-vous un retour sur votre exp\u00e9rience avec atHome Finance ?<\/span><\/h4>\n

\"Je pense que sans ce service nous n'aurions jamais pu acheter ce bien. Le bien \u00e9tait au-dessus du budget estim\u00e9 lors de notre capacit\u00e9 d'emprunt et le courtier a r\u00e9ussi \u00e0 mettre en avant notre profil, notre situation stable pour nous obtenir le pr\u00eat. Aujourd'hui nous ne regrettons absolument pas notre achat et si nous devions recommencer l'exp\u00e9rience nous contacterions atHomeFinance sans h\u00e9siter.\"<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Le #pr\u00eatjug\u00e9 le plus r\u00e9pandu ? Il faut un budget cons\u00e9quent pour devenir propri\u00e9taire au Luxembourg. Chaque semaine, d\u00e9couvrez le t\u00e9moignage de nos clients atHomeFinance qui sont devenus propri\u00e9taires avec un petit budget. Etait-ce votre premier achat et avez-vous achet\u00e9 seul(e) ou en couple ? \"Oui, c'est notre premier achat, et nous l'avons r\u00e9alis\u00e9 en […]<\/p>\n","protected":false},"author":17,"featured_media":13218,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[207],"tags":[144,146,147,145],"class_list":["post-13217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pret-immobilier","tag-capacite-demprunt","tag-prejuge","tag-pretjuge","tag-temoignage"],"acf":[],"yoast_head":"\nLe t\u00e9moignage de Joan & Sara - atHome Blog<\/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:\/\/www.athome.lu\/blog\/acheter\/pret-immobilier\/le-temoignage-de-joan-sara\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le t\u00e9moignage de Joan & Sara - atHome Blog\" \/>\n<meta property=\"og:description\" content=\"Le #pr\u00eatjug\u00e9 le plus r\u00e9pandu ? 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