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Quelles sont les conditions d’emprunt pour l’achat d’une maison en vente à Vienne ?

Vous souhaitez acheter une maison à Vienne ? Sachez que dans un contexte économique instable avec des retombées sur le pouvoir d’achat des Français, obtenir un prêt immobilier est plus compliqué en 2020, et ce malgré des taux revenus à des niveaux très faibles. Alors, quelles sont les conditions d’emprunt ?

Pour répondre aux demandes du Haut Conseil à la stabilité financière (HCSF) et anticiper une crise économique, les banques ont mis en place des conditions d’accès au crédit très restrictives :

• Endettement à 33% : l’endettement ne doit pas dépasser le tiers des revenus de l’emprunteur.
• Durée 25 ans : aucun prêt n’est accordé sur une durée supérieure à 25 ans.
• Apport personnel : l’emprunteur doit financer à minima les frais de notaire, les frais de garantie et tous les frais annexes liés au crédit immobilier.
• Contrat de travail CDI ou revenus stables : il est impératif pour les banques de valoriser les revenus du client sur les 3 dernières années notamment dans le cas d’une rémunération avec une partie variable ou d’un chef d’entreprise, profession libérale, etc. …
• L’employabilité : suite au Covid-19, ce critère est particulièrement examiné par les banques, et les emprunteurs travaillant dans des secteurs d’activité dits « sinistrés » sont plus difficiles (voire impossible) à financer.
• Valeur du bien : il faut que le prix du bien soit en cohérence avec le marché local.
• Épargne disponible : idéalement si l’emprunteur dispose d’une épargne résiduelle à hauteur de 10% de la valeur du bien après l’achat, il sera en mesure de négocier une décote de taux.
• Tenue de compte sans accro : les relevés de compte des 3 derniers mois sont inspectés et déterminent le profil du client. Trop de crédits en cours ou des défauts de paiement sont rédhibitoires.

C.V. / Bazikpress © Adobe Stock

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