{"id":1410,"date":"2023-10-10T17:25:52","date_gmt":"2023-10-10T15:25:52","guid":{"rendered":"http:\/\/www.maison-intelligente.fr\/?p=1410"},"modified":"2023-10-10T17:25:52","modified_gmt":"2023-10-10T15:25:52","slug":"comment-anticiper-sa-demande-de-pret-immobilier","status":"publish","type":"post","link":"https:\/\/www.maison-intelligente.fr\/comment-anticiper-sa-demande-de-pret-immobilier\/","title":{"rendered":"Comment anticiper sa demande de pr\u00eat immobilier"},"content":{"rendered":"

Pour multiplier ses chances d’obtenir son pr\u00eat immobilier, on t\u00e2che de pr\u00e9parer son dossier au pr\u00e9alable. Dans ce guide, on vous explique les grandes lignes de l’emprunt, notamment les pi\u00e8ces justificatives exig\u00e9es par la banque.
\n<\/p>\n

Pourquoi pr\u00e9parer sa demande ?<\/h2>\n

\"\"La pr\u00e9paration de demande de cr\u00e9dit est une \u00e9tape cruciale. Pour composer un dossier impeccable, il convient de se rapprocher de la banque pour \u00eatre renseign\u00e9 au mieux. Certaines pi\u00e8ces demand\u00e9es en suppl\u00e9ment pourront simplifier les \u00e9tapes pour ce type d’emprunt. En fonction des pr\u00e9f\u00e9rences de l’emprunteur, et de sa situation, la banque sugg\u00e8re les offres adapt\u00e9es au statut de ce dernier. T\u00f4t on d\u00e9pose le dossier, t\u00f4t on obtient la r\u00e9ponse. Afin de ne pas subir le stress engendr\u00e9 par le processus, avoir ses dossiers complets \u00e9vite aussi les allers-retours \u00e0 la banque.
\nPuisqu’il est plus avantageux de comparer les offres, aller d’une banque \u00e0 une autre peut s’av\u00e9rer indispensable dans le but d’obtenir son pr\u00eat immobilier. Et comme toutes les banques exigent les m\u00eames pi\u00e8ces, il est bien pratique de monter le dossier en une seule fois.<\/p>\n

Les documents importants<\/h2>\n

\"\"Les documents les plus souvent demand\u00e9s se rapportent \u00e0 l’\u00e9tat civil. Il s’agit ici de fournir une pi\u00e8ce d’identit\u00e9 ou un titre de s\u00e9jour valide, d’un livret de famille, et d’un certificat de PACS, dans d’autres cas, d’un jugement de divorce. En ce qui concerne la domiciliation, il faut un contrat de bail et la derni\u00e8re quittance de loyer pour un locataire, d’un titre de propri\u00e9t\u00e9 et d’une taxe fonci\u00e8re pour un propri\u00e9taire. Pour un h\u00e9berg\u00e9 \u00e0 titre gratuit, l’emprunteur doit se munir d’une attestation d’h\u00e9bergement, et d’un justificatif de domicile d’au moins 3 mois, o\u00f9 figure son nom et son adresse pr\u00e9cise. Ensuite, s’il s’agit d’un salari\u00e9, les documents suivants sont obligatoires : une attestation d’emploi, une d\u00e9claration de revenus, les deux derniers avis d’imposition, les trois derniers bulletins de paie.
\nLes autres pi\u00e8ces constitueront les informations relatives aux comptes en banque du d\u00e9biteur, \u00e0 ses cr\u00e9dits en cours, \u00e0 l’\u00e9tat de son \u00e9pargne, et \u00e0 la situation de son patrimoine, cependant d’autres documents rattach\u00e9s au projet en question peuvent \u00eatre sollicit\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pour multiplier ses chances d’obtenir son pr\u00eat immobilier, on t\u00e2che de pr\u00e9parer son dossier au pr\u00e9alable. Dans ce guide, on vous explique les grandes lignes de l’emprunt, notamment les pi\u00e8ces justificatives exig\u00e9es par la banque.<\/p>\n","protected":false},"author":1,"featured_media":1411,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"yoast_head":"\nComment anticiper sa demande de pr\u00eat immobilier - Maison intelligente<\/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.maison-intelligente.fr\/comment-anticiper-sa-demande-de-pret-immobilier\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment anticiper sa demande de pr\u00eat immobilier - Maison intelligente\" \/>\n<meta property=\"og:description\" content=\"Pour multiplier ses chances d’obtenir son pr\u00eat immobilier, on t\u00e2che de pr\u00e9parer son dossier au pr\u00e9alable. 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