{"id":8462,"date":"2016-11-14T14:20:34","date_gmt":"2016-11-14T13:20:34","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/?p=8462"},"modified":"2025-02-10T12:53:59","modified_gmt":"2025-02-10T11:53:59","slug":"les-10-etapes-du-credit-immobilier","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/acheter\/pret-immobilier\/les-10-etapes-du-credit-immobilier\/","title":{"rendered":"Les 10 \u00e9tapes du cr\u00e9dit immobilier"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Lorsque l\u2019on se met en qu\u00eate d\u2019un appartement ou d\u2019une maison \u00e0 acheter, la phase la plus d\u00e9licate est celle du financement du bien immobilier. Pour vous aider \u00e0 bien comprendre et &nbsp;suivre les diff\u00e9rentes \u00e9tapes, nous avons d\u00e9taill\u00e9 pour vous les 10 moments-cl\u00e9s li\u00e9s au financement immobilier.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>1- La signature du compromis de vente<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Une fois que vous avez &nbsp;trouv\u00e9 le bien de vos r\u00eaves, vous allez signer un compromis de vente qui signifie que vous vous engagez \u00e0 acheter l\u2019appartement ou la maison.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\"> Ce compromis est en principe limit\u00e9 dans le temps, souvent 30 jours, et peut contenir des clauses de d\u00e9sistement et notamment, en cas de recours \u00e0 un pr\u00eat immobilier, une clause suspensive pr\u00e9voyant l\u2019annulation du compromis de vente si votre demande de pr\u00eat immobilier est refus\u00e9e.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>2- Le plan de financement<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Pour calculer le montant total que vous aurez \u00e0 emprunter, il est n\u00e9cessaire d\u2019\u00e9tablir un plan de financement complet. Pour cela vous devez prendre en compte, en plus du prix d\u2019achat du bien immobilier, tous <a href=\"https:\/\/www.athome.lu\/blog\/blog\/les-frais-lies-a-lacquisition-dun-bien-immobilier\/\" target=\"_blank\" rel=\"noopener noreferrer\">les frais li\u00e9s \u00e0 l\u2019acquisition<\/a>, tels que les frais de notaire, les co\u00fbts des \u00e9ventuels travaux, les frais d\u2019hypoth\u00e8que, le co\u00fbt de l\u2019assurance solde restant d\u00fb, ainsi que tous les frais accessoires qui pourraient venir s\u2019ajouter. Une fois toutes ces d\u00e9penses additionn\u00e9es, vous obtiendrez le co\u00fbt global de votre acquisition.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>3- La recherche du cr\u00e9dit immobilier<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Pour obtenir les meilleures conditions pour votre cr\u00e9dit immobilier, n\u2019h\u00e9sitez pas \u00e0 comparer les offres des banques. Il faut faire jouer la concurrence et n\u00e9gocier avec chaque \u00e9tablissement. En d\u00e9marchant plusieurs banques, et en les comparant, vous pouvez faire quelques \u00e9conomies. Pour cela, la solution la plus simple est de faire appel \u00e0 un courtier.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/demande\" target=\"_blank\" rel=\"noreferrer noopener\">Trouvez votre cr\u00e9dit immobilier avec atHomeFinance<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>4- La constitution d\u2019un dossier<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Apr\u00e8s avoir s\u00e9lectionn\u00e9 votre banque, vous devez monter votre dossier. Autrement dit, vous devez pr\u00e9senter un certain nombre de documents \u00e0 l\u2019\u00e9tablissement bancaire choisi&nbsp;: copie de votre pi\u00e8ce d\u2019identit\u00e9, 3 derniers bulletins de salaire, certificat de r\u00e9mun\u00e9ration, compromis de vente, devis pour les \u00e9ventuels travaux et justificatif de l\u2019apport.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>5- L\u2019accord pr\u00e9alable\/de principe de la banque<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">A ce stade, en possession de votre plan de financement et des pi\u00e8ces justificatives, la banque pourra vous donner son accord de principe. Cette \u00e9tape est indispensable pour pouvoir poursuivre votre projet. (Pour obtenir une r\u00e9ponse dans les meilleurs d\u00e9lais, veillez \u00e0 fournir en temps voulu les documents demand\u00e9s).<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>6- L\u2019ouverture d\u2019un compte aupr\u00e8s de la banque s\u00e9lectionn\u00e9e<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Si vous choisissez un \u00e9tablissement bancaire qui n\u2019est pas votre banque actuelle, celui-ci vous demandera de domicilier votre\/vos salaire(s) dans l\u2019\u00e9tablissement en question.&nbsp; Cette op\u00e9ration n\u00e9cessitera de votre part un minimum d\u2019organisation pour informer les diff\u00e9rents organismes impact\u00e9s.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>7- L\u2019offre d\u00e9finitive de pr\u00eat immobilier<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Ce document, adress\u00e9 par la banque pr\u00eateuse, pr\u00e9cise toutes les caract\u00e9ristiques de votre pr\u00eat immobilier (montant, taux, dur\u00e9e, assurances, modalit\u00e9s de remboursement, obligations et interdictions r\u00e9ciproques).<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>8- L\u2019acceptation de l\u2019offre<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Une fois que vous avez re\u00e7u l\u2019offre d\u00e9finitive, et approuv\u00e9 les termes du pr\u00eat, &nbsp;vous devez la renvoyer sign\u00e9e \u00e0 la banque pour lui signifier que vous acceptez les modalit\u00e9s de l\u2019offre de cr\u00e9dit.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>9- L\u2019acte de vente<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Il s\u2019agit de l\u2019acte officiel de transfert de propri\u00e9t\u00e9 (le compromis \u00e9tant un avant contrat) qui doit \u00eatre enregistr\u00e9 par un notaire. Apr\u00e8s l'avoir sign\u00e9, vous devenez d\u00e9finitivement propri\u00e9taire du bien immobilier.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>10- Le d\u00e9but du remboursement<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">La date de signature de l\u2019acte de vente est aussi la date \u00e0 laquelle vous commencez \u00e0 rembourser votre cr\u00e9dit immobilier. &nbsp;Vous payerez la premi\u00e8re mensualit\u00e9 de votre pr\u00eat dans le mois suivant la signature de l\u2019acte notari\u00e9.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">N\u2019oubliez pas, \u00e0 chacune de ces \u00e9tapes, des professionnels sont \u00e0 vos c\u00f4t\u00e9s pour mener \u00e0 bien votre projet immobilier. Votre agent immobilier et votre conseiller bancaire vous accompagneront jusqu\u2019\u00e0 la signature de l\u2019acte officiel de vente. Ils sont des alli\u00e9s pr\u00e9cieux, pensez \u00e0 leur demander conseil.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>Des experts pour trouver votre pr\u00eat immobilier<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/simulation-pret-immobilier.html\">\ud83d\udd0e <strong>Simulez votre pr\u00eat<\/strong><br><\/a><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/demande\">\ud83d\udcc5 <strong>Prenez rendez-vous avec un courtier<\/strong><br><\/a><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/taux\">\ud83d\udcca <strong>Retrouvez les taux actuels au Luxembourg<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lorsque l\u2019on se met en qu\u00eate d\u2019un appartement ou d\u2019une maison \u00e0 acheter, la phase la plus d\u00e9licate est celle du financement du bien immobilier. Pour vous aider \u00e0 bien comprendre et &nbsp;suivre les diff\u00e9rentes \u00e9tapes, nous avons d\u00e9taill\u00e9 pour vous les 10 moments-cl\u00e9s li\u00e9s au financement immobilier. 1- La signature du compromis de vente [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":8464,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[207],"tags":[36],"class_list":["post-8462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pret-immobilier","tag-credit-immobilier"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les 10 \u00e9tapes du cr\u00e9dit immobilier - 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\/les-10-etapes-du-credit-immobilier\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les 10 \u00e9tapes du cr\u00e9dit immobilier - atHome Blog\" \/>\n<meta property=\"og:description\" content=\"Lorsque l\u2019on se met en qu\u00eate d\u2019un appartement ou d\u2019une maison \u00e0 acheter, la phase la plus d\u00e9licate est celle du financement du bien immobilier. Pour vous aider \u00e0 bien comprendre et &nbsp;suivre les diff\u00e9rentes \u00e9tapes, nous avons d\u00e9taill\u00e9 pour vous les 10 moments-cl\u00e9s li\u00e9s au financement immobilier. 1- La signature du compromis de vente [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.athome.lu\/blog\/acheter\/pret-immobilier\/les-10-etapes-du-credit-immobilier\/\" \/>\n<meta property=\"og:site_name\" content=\"atHome Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/atHome.lu\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-11-14T13:20:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-10T11:53:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.athome.lu\/blog\/wp-content\/uploads\/2016\/11\/couplei2Stock_000044032690XXXLarge-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1536\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Fanny Pimentel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@athomelu\" \/>\n<meta name=\"twitter:site\" content=\"@athomelu\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Fanny Pimentel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.athome.lu\\\/blog\\\/acheter\\\/pret-immobilier\\\/les-10-etapes-du-credit-immobilier\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.athome.lu\\\/blog\\\/acheter\\\/pret-immobilier\\\/les-10-etapes-du-credit-immobilier\\\/\"},\"author\":{\"name\":\"Fanny Pimentel\",\"@id\":\"https:\\\/\\\/www.athome.lu\\\/blog\\\/#\\\/schema\\\/person\\\/47f7a38089f837e792876ceddc4cb2dc\"},\"headline\":\"Les 10 \u00e9tapes du cr\u00e9dit immobilier\",\"datePublished\":\"2016-11-14T13:20:34+00:00\",\"dateModified\":\"2025-02-10T11:53:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.athome.lu\\\/blog\\\/acheter\\\/pret-immobilier\\\/les-10-etapes-du-credit-immobilier\\\/\"},\"wordCount\":765,\"image\":{\"@id\":\"https:\\\/\\\/www.athome.lu\\\/blog\\\/acheter\\\/pret-immobilier\\\/les-10-etapes-du-credit-immobilier\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.athome.lu\\\/blog\\\/wp-content\\\/uploads\\\/2016\\\/11\\\/couplei2Stock_000044032690XXXLarge-scaled.jpg\",\"keywords\":[\"Cr\u00e9dit immobilier\"],\"articleSection\":[\"Pr\u00eat Immobilier\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.athome.lu\\\/blog\\\/acheter\\\/pret-immobilier\\\/les-10-etapes-du-credit-immobilier\\\/\",\"url\":\"https:\\\/\\\/www.athome.lu\\\/blog\\\/acheter\\\/pret-immobilier\\\/les-10-etapes-du-credit-immobilier\\\/\",\"name\":\"Les 10 \u00e9tapes du cr\u00e9dit immobilier - 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