{"id":17440,"date":"2025-04-24T11:00:00","date_gmt":"2025-04-24T09:00:00","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/?p=17440"},"modified":"2025-06-26T15:12:29","modified_gmt":"2025-06-26T13:12:29","slug":"capacite-demprunt-pourquoi-cest-la-premiere-etape-a-ne-pas-negliger","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/acheter\/capacite-demprunt-pourquoi-cest-la-premiere-etape-a-ne-pas-negliger\/","title":{"rendered":"Capacit\u00e9 d\u2019emprunt : pourquoi c\u2019est la premi\u00e8re \u00e9tape \u00e0 ne pas n\u00e9gliger ?"},"content":{"rendered":"\n<p>Acheter un bien immobilier est souvent l\u2019un des projets les plus importants d\u2019une vie. Mais avant de tomber sous le charme d\u2019un appartement ou d\u2019une maison, il y a une question essentielle \u00e0 se poser : <strong>combien puis-je r\u00e9ellement emprunter ?<\/strong><\/p>\n\n\n\n<p>Trop souvent, cette \u00e9tape est n\u00e9glig\u00e9e ou repouss\u00e9e. Pourtant, <strong>conna\u00eetre sa capacit\u00e9 d\u2019emprunt<\/strong> est la cl\u00e9 pour construire un projet immobilier solide, r\u00e9aliste\u2026 et \u00e9viter les mauvaises surprises. C\u2019est l\u00e0 qu\u2019intervient le service de courtage d\u2019<strong><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\">atHomeFinance<\/a><\/strong> : un accompagnement rapide et sans engagement, pens\u00e9 pour donner \u00e0 chaque futur acqu\u00e9reur une vision claire de son budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Capacit\u00e9 d\u2019emprunt : qu\u2019est-ce que c\u2019est exactement ?<\/strong><\/h2>\n\n\n\n<p>La capacit\u00e9 d\u2019emprunt correspond au <strong>montant maximal qu\u2019un acheteur peut emprunter<\/strong> aupr\u00e8s d\u2019une banque en fonction de sa situation financi\u00e8re. Elle d\u00e9pend notamment de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vos revenus,<\/li>\n\n\n\n<li>Vos charges,<\/li>\n\n\n\n<li>La dur\u00e9e de remboursement envisag\u00e9e,<\/li>\n\n\n\n<li>Et des taux d\u2019int\u00e9r\u00eat en vigueur.<\/li>\n<\/ul>\n\n\n\n<p>Conna\u00eetre ce montant, c\u2019est <strong>d\u00e9finir un cadre r\u00e9aliste pour son projet immobilier<\/strong>, d\u00e8s le d\u00e9part.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi estimer sa capacit\u00e9 d\u2019emprunt avant de chercher ?<\/h2>\n\n\n\n<p>Faire cette estimation en amont permet de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cibler les bonnes annonces<\/strong> et \u00e9viter de perdre du temps sur des biens qui sont hors budget ;<\/li>\n\n\n\n<li><strong>Renforcer son dossier<\/strong> face aux banques ou aux vendeurs : un acheteur qui conna\u00eet sa capacit\u00e9 d\u2019emprunt est jug\u00e9 plus cr\u00e9dible ;<\/li>\n\n\n\n<li><strong>Pr\u00e9venir les d\u00e9ceptions<\/strong> : rien de pire que de tomber amoureux d\u2019un bien et de d\u00e9couvrir ensuite qu\u2019il n\u2019est pas finan\u00e7able.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>atHomeFinance : un service de courtage simple et efficace<\/strong><\/h2>\n\n\n\n<p><strong><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\">atHomeFinance <\/a><\/strong>accompagne gratuitement les futurs acqu\u00e9reurs au Luxembourg dans la <strong>recherche du meilleur pr\u00eat immobilier<\/strong>. Le r\u00f4le du courtier ? Comparer les offres des banques partenaires, n\u00e9gocier les meilleures conditions et surtout, aider chaque client \u00e0 y voir plus clair dans son projet.<\/p>\n\n\n\n<p><strong>Le petit plus <\/strong>: une estimation rapide de votre <a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/simulation-pret-immobilier.html\">capacit\u00e9 d\u2019emprunt est possible en ligne<\/a>, sans engagement.<\/p>\n\n\n\n<p>Et si vous souhaitez aller plus loin, <a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/demande\">un expert peut vous accompagner personnellement<\/a>, jusqu\u2019\u00e0 la signature de votre pr\u00eat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Un premier pas vers un projet serein<\/strong><\/h2>\n\n\n\n<p>Faire estimer sa capacit\u00e9 d\u2019emprunt, c\u2019est <strong>prendre le temps de bien poser les bases de son projet immobilier<\/strong>. C\u2019est aussi un moyen de gagner du temps, de la visibilit\u00e9 et de la s\u00e9r\u00e9nit\u00e9.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\">atHomeFinance<\/a><\/strong> est l\u00e0 pour vous accompagner, vous conseiller et vous aider \u00e0 avancer avec confiance \u2014 en fran\u00e7ais, anglais, italien et m\u00eame portugais.<\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acheter un bien immobilier est souvent l\u2019un des projets les plus importants d\u2019une vie. Mais avant de tomber sous le charme d\u2019un appartement ou d\u2019une maison, il y a une question essentielle \u00e0 se poser : combien puis-je r\u00e9ellement emprunter ? Trop souvent, cette \u00e9tape est n\u00e9glig\u00e9e ou repouss\u00e9e. Pourtant, conna\u00eetre sa capacit\u00e9 d\u2019emprunt est [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":17489,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[9],"class_list":["post-17440","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-acheter","tag-athomefinance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Capacit\u00e9 d\u2019emprunt : pourquoi c\u2019est la premi\u00e8re \u00e9tape \u00e0 ne pas n\u00e9gliger ? - 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\/capacite-demprunt-pourquoi-cest-la-premiere-etape-a-ne-pas-negliger\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Capacit\u00e9 d\u2019emprunt : pourquoi c\u2019est la premi\u00e8re \u00e9tape \u00e0 ne pas n\u00e9gliger ? - atHome Blog\" \/>\n<meta property=\"og:description\" content=\"Acheter un bien immobilier est souvent l\u2019un des projets les plus importants d\u2019une vie. 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