{"id":57495,"date":"2022-11-08T16:43:36","date_gmt":"2022-11-08T14:43:36","guid":{"rendered":"https:\/\/www.mes-allocs.fr\/guides\/?p=57495"},"modified":"2025-02-26T17:34:12","modified_gmt":"2025-02-26T15:34:12","slug":"credit-immobilier-refuse-quelles-raisons","status":"publish","type":"post","link":"https:\/\/www.mes-allocs.fr\/guides\/credit-immobilier\/emprunter\/credit-immobilier-refuse-quelles-raisons\/","title":{"rendered":"Cr\u00e9dit immobilier refus\u00e9 : quelles sont les raisons ?"},"content":{"rendered":"<p style=\"text-align: justify;\"><b><span class=\"sw\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-57887 size-full\" title=\"Credit immobilier refuse\" src=\"https:\/\/www.mes-allocs.fr\/guides\/wp-content\/uploads\/2022\/11\/Credit-immobilier-refuse-e1667918536519.jpeg\" alt=\"Credit immobilier refuse\" width=\"1560\" height=\"374\" srcset=\"https:\/\/www.mes-allocs.fr\/guides\/wp-content\/uploads\/2022\/11\/Credit-immobilier-refuse-e1667918536519.jpeg 1560w, https:\/\/www.mes-allocs.fr\/guides\/wp-content\/uploads\/2022\/11\/Credit-immobilier-refuse-e1667918536519-300x72.jpeg 300w, https:\/\/www.mes-allocs.fr\/guides\/wp-content\/uploads\/2022\/11\/Credit-immobilier-refuse-e1667918536519-1024x245.jpeg 1024w, https:\/\/www.mes-allocs.fr\/guides\/wp-content\/uploads\/2022\/11\/Credit-immobilier-refuse-e1667918536519-768x184.jpeg 768w, https:\/\/www.mes-allocs.fr\/guides\/wp-content\/uploads\/2022\/11\/Credit-immobilier-refuse-e1667918536519-1536x368.jpeg 1536w, https:\/\/www.mes-allocs.fr\/guides\/wp-content\/uploads\/2022\/11\/Credit-immobilier-refuse-e1667918536519-600x144.jpeg 600w\" sizes=\"auto, (max-width: 1560px) 100vw, 1560px\" \/>Vous<\/span> <span class=\"sw\">avez<\/span> <span class=\"sw\">fait<\/span> <span class=\"sw\">une<\/span> <span class=\"sw\">demande<\/span> <span class=\"sw\">de<\/span> <a href=\"https:\/\/www.mes-allocs.fr\/guides\/credit-immobilier\/\"><span class=\"sw\">cr\u00e9dit<\/span> <span class=\"sw\">immobilier<\/span><\/a> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">la<\/span> <span class=\"sw\">banque<\/span> <span class=\"sw\">pour<\/span> <span class=\"sw\">financer<\/span> <span class=\"sw\">votre<\/span> <span class=\"sw\">projet<\/span> <span class=\"sw\">d&rsquo;achat, mais il a \u00e9t\u00e9 refus\u00e9 ? Il faut savoir qu&rsquo;un refus de pr\u00eat immobilier peut avoir plusieurs motifs. En examinant le dossier de demande de cr\u00e9dit, la banque s\u2019appuie sur la totalit\u00e9 des \u00e9l\u00e9ments concernant aussi bien le profil d\u2019emprunteur que la solidit\u00e9 du projet d\u2019acquisition. Cr\u00e9dit immobilier refus\u00e9 : pour quelles raisons ? Mes Allocs r\u00e9pond \u00e0 vos questions.\u00a0<\/span><\/b><\/p>\n<div class='cta-block'><div class='text'>Simulez toutes vos aides en 2 min.<\/div><a href='https:\/\/www.mes-allocs.fr\/ab-app?origin=guides\/wp-json\/wp\/v2\/posts\/57495' class='app-button fit'>Simulation gratuite<\/a><\/div>\n<h1 style=\"text-align: justify;\">Quelles sont les raisons d&rsquo;un cr\u00e9dit immobilier refus\u00e9 ?<\/h1>\n<p style=\"text-align: justify;\"><b><span class=\"sw\">Le<\/span> <span class=\"sw\">refus<\/span> <span class=\"sw\">d&rsquo;un<\/span> <span class=\"sw\">cr\u00e9dit<\/span> <span class=\"sw\">immobilier<\/span> <span class=\"sw\">intervient<\/span> <span class=\"sw\">g\u00e9n\u00e9ralement<\/span> <span class=\"sw\">dans<\/span> <span class=\"sw\">les<\/span> <span class=\"sw\">cas<\/span> <span class=\"sw\">suivants<\/span> <span class=\"sw\">:\u00a0<\/span><\/b><\/p>\n<ul>\n<li style=\"text-align: justify;\">Le <span class=\"sw\">profil<\/span> <span class=\"sw\">d&rsquo;<a href=\"https:\/\/www.mes-allocs.fr\/guides\/assurance-emprunteur\/remboursement-assurance-emprunteur\/\">emprunteur<\/a><\/span> <span class=\"sw\">est<\/span> <span class=\"sw\">instable<\/span>\u00a0: d\u00e9couverts r\u00e9guliers, d\u00e9penses compulsives, fichage \u00e0 la Banque de France, inscription au Fichier des incidents de remboursement des cr\u00e9dits aux particuliers (FICP), etc. <span class=\"sw\">Pour<\/span> <span class=\"sw\">faire<\/span> <span class=\"sw\">simple,<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">ne<\/span> <span class=\"sw\">g\u00e9rez<\/span> <span class=\"sw\">pas<\/span> <span class=\"sw\">vos<\/span> <span class=\"sw\">finances raisonnablement.\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\">Le taux immobilier\u00a0<span class=\"sw\">d&rsquo;<a href=\"https:\/\/www.mes-allocs.fr\/guides\/rachat-de-credit\/surendettement\/\">endettement<\/a><\/span> <span class=\"sw\">requis pour l\u2019acquisition du bien est trop \u00e9lev\u00e9 : pour rappel, il n&rsquo;est pas\u00a0possible d&#8217;emprunter si le taux d&rsquo;endettement d\u00e9passe 35 % de revenus nets mensuels, sauf rares exceptions. En d&rsquo;autres termes, si le bien immobilier que vous avez l&rsquo;intention d&rsquo;acheter est au-dessus de vos moyens, l&rsquo;\u00e9tablissement pr\u00eateur refusera\u00a0la\u00a0demande.\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\">Des cr\u00e9dits sont en cours : par cons\u00e9quent, <span class=\"sw\">le<\/span> <span class=\"sw\">risque de surendettement est trop \u00e9lev\u00e9, notamment en cas de pr\u00eats \u00e0 la consommation. Alors, les chances d&rsquo;obtenir un pr\u00eat immobilier seront consid\u00e9rablement r\u00e9duites.\u00a0\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\">Le projet d&rsquo;acquisition n&rsquo;est pas solide : si le prix <span class=\"sw\">d&rsquo;achat<\/span> <span class=\"sw\">du<\/span> <span class=\"sw\">bien<\/span> <span class=\"sw\">souhait\u00e9<\/span> <span class=\"sw\">est<\/span> <span class=\"sw\">tr\u00e8s<\/span> <span class=\"sw\">sup\u00e9rieur<\/span> <span class=\"sw\">au<\/span> <span class=\"sw\">march\u00e9<\/span> <span class=\"sw\">(pour<\/span> <span class=\"sw\">une<\/span> <span class=\"sw\">r\u00e9sidence<\/span> <span class=\"sw\">principale),<\/span> <span class=\"sw\">si<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">rendement<\/span> <span class=\"sw\">locatif<\/span> <span class=\"sw\">attendu<\/span> <span class=\"sw\">est<\/span> <span class=\"sw\">trop<\/span> <span class=\"sw\">faible<\/span> <span class=\"sw\">(pour<\/span> <span class=\"sw\">un<\/span> <span class=\"sw\">investissement<\/span> <span class=\"sw\">locatif),<\/span> <span class=\"sw\">etc.<\/span><\/li>\n<li style=\"text-align: justify;\">L&rsquo;assurance emprunteur est refus\u00e9e, <span class=\"sw\">par<\/span> <span class=\"sw\">exemple<\/span> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">cause<\/span> <span class=\"sw\">d&rsquo;un<\/span> <span class=\"sw\">ant\u00e9c\u00e9dent<\/span> <span class=\"sw\">de<\/span> <a href=\"https:\/\/www.mes-allocs.fr\/guides\/aides-sante\/complementaire-sante-solidaire\/\"><span class=\"sw\">sant\u00e9<\/span><\/a> <span class=\"sw\">grave,<\/span> <span class=\"sw\">ou<\/span> <span class=\"sw\">parce<\/span> <span class=\"sw\">que<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">pratiquez<\/span> <span class=\"sw\">un<\/span> <span class=\"sw\">sport<\/span> <span class=\"sw\">extr\u00eame. <\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><b>Un organisme pr\u00eateur <span class=\"sw\">ne<\/span> <span class=\"sw\">conserve<\/span> <span class=\"sw\">que<\/span> <span class=\"sw\">les<\/span> <span class=\"sw\">dossiers<\/span> <span class=\"sw\">les<\/span> <span class=\"sw\">plus<\/span> <\/b><span class=\"sw\"><b>s\u00fbrs, \u00e0 savoir les emprunteurs en mesure de rembourser le\u00a0cr\u00e9dit sans faire d\u00e9faut. <\/b>Si toutes les conditions ne sont pas remplies et que le niveau de risque est trop \u00e9lev\u00e9, vous pourriez vous voir refuser un pr\u00eat immobilier.\u00a0<\/span><\/p>\n<h1 style=\"text-align: justify;\">Qu&rsquo;est-ce qu&rsquo;un refus de pr\u00eat abusif ?<\/h1>\n<p style=\"text-align: justify;\"><b><span class=\"sw\">Lorsque<\/span> <span class=\"sw\">les<\/span> <span class=\"sw\">raisons<\/span> <span class=\"sw\">invoqu\u00e9es<\/span> <span class=\"sw\">par<\/span> <span class=\"sw\">la<\/span> <span class=\"sw\">banque<\/span> <span class=\"sw\">pour<\/span> <span class=\"sw\">refuser<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">pr\u00eat<\/span> <span class=\"sw\">sortent<\/span> <span class=\"sw\">du<\/span> <span class=\"sw\">cadre<\/span> <span class=\"sw\">l\u00e9gal.<\/span><\/b> <span class=\"sw\">Par<\/span> <span class=\"sw\">exemple,<\/span> <span class=\"sw\">si<\/span> <span class=\"sw\">une<\/span> <span class=\"sw\">banque<\/span> <span class=\"sw\">refuse<\/span> <span class=\"sw\">votre<\/span> <span class=\"sw\">demande<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">pr\u00eat<\/span> <span class=\"sw\">au<\/span> <span class=\"sw\">motif<\/span> <span class=\"sw\">que<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">ne<\/span> <span class=\"sw\">souhaitez<\/span> <span class=\"sw\">pas<\/span> <span class=\"sw\">souscrire<\/span>\u00a0son\u00a0<span class=\"sw\">assurance emprunteur. Cela va \u00e0 l&rsquo;encontre du droit de chacun de souscrire aupr\u00e8s de l\u2019organisme de son choix. Ou alors, si vous avez refus\u00e9 de domicilier vos revenus dans cette banque faute de contreparties ou de conditions clairement sp\u00e9cifi\u00e9es.<\/span><\/p>\n<h1 style=\"text-align: justify;\"><span class=\"sw\">Cr\u00e9dit immobilier : comment<\/span> <span class=\"sw\">optimiser le dossier ?\u00a0<\/span><\/h1>\n<p style=\"text-align: justify;\"><b><span class=\"sw\">Pour<\/span> <span class=\"sw\">\u00e9viter<\/span> <span class=\"sw\">que<\/span> <span class=\"sw\">votre<\/span> <span class=\"sw\">demande<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">pr\u00eat<\/span> <span class=\"sw\">soit rejet\u00e9e par la banque, il est judicieux\u00a0d&rsquo;optimiser le dossier. Pour cela, vous devez pleinement garantir la capacit\u00e9\u00a0de\u00a0rembourser\u00a0de l&#8217;emprunt.\u00a0<\/span><\/b><\/p>\n<p style=\"text-align: justify;\"><b><span class=\"sw\">Il<\/span> <span class=\"sw\">faut<\/span> <span class=\"sw\">consid\u00e9rer<\/span>\u00a0le\u00a0<span class=\"sw\">profil<\/span> <span class=\"sw\">d&#8217;emprunteur<\/span> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">travers<\/span> <span class=\"sw\">plusieurs<\/span> <span class=\"sw\">crit\u00e8res<\/span> <span class=\"sw\">:\u00a0<\/span><\/b><\/p>\n<ul>\n<li style=\"text-align: justify;\">La stabilit\u00e9 de la situation professionnelle : en \u00e9tant en CDI avec des revenus suffisants pour couvrir la mensualit\u00e9 et avoir un reste \u00e0 vivre coh\u00e9rent, <span class=\"sw\">vous<\/span> <span class=\"sw\">aurez<\/span> <span class=\"sw\">plus<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">chances<\/span> <span class=\"sw\">de<\/span>\u00a0rassurer la banque. En CDD, ind\u00e9pendant ou int\u00e9rimaire, il faut essayer d&rsquo;avoir un co-emprunteur en CDI ou essayer\u00a0<span class=\"sw\">de<\/span> <span class=\"sw\">d\u00e9montrer<\/span> <span class=\"sw\">que<\/span> <span class=\"sw\">vos<\/span> <span class=\"sw\">revenus<\/span> <span class=\"sw\">sont<\/span>\u00a0r\u00e9guliers\u00a0<span class=\"sw\">et<\/span> <span class=\"sw\">stables<\/span> <span class=\"sw\">depuis<\/span> <span class=\"sw\">au<\/span> <span class=\"sw\">moins<\/span> <span class=\"sw\">3<\/span> <span class=\"sw\">ann\u00e9es<\/span> <span class=\"sw\">;\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\">L&rsquo;apport personnel : <span class=\"sw\">plus<\/span> <span class=\"sw\">il<\/span> <span class=\"sw\">est<\/span> <span class=\"sw\">important,<\/span> <span class=\"sw\">plus<\/span> <span class=\"sw\">votre<\/span> <span class=\"sw\">dossier<\/span> <span class=\"sw\">est<\/span> <span class=\"sw\">digne<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">confiance.<\/span> <span class=\"sw\">Les<\/span> <span class=\"sw\">banques<\/span> <span class=\"sw\">demandent<\/span> <span class=\"sw\">g\u00e9n\u00e9ralement<\/span> <span class=\"sw\">un<\/span> <span class=\"sw\">minimum<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">10 %<\/span> <span class=\"sw\">du<\/span> <span class=\"sw\">montant<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">l&rsquo;achat,<\/span> <span class=\"sw\">mais<\/span> <span class=\"sw\">si<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">pouvez<\/span> <span class=\"sw\">mettre<\/span> <span class=\"sw\">plus,<\/span> <span class=\"sw\">c&rsquo;est<\/span> <span class=\"sw\">encore<\/span> <span class=\"sw\">mieux. C<\/span>onstituer un apport personnel\u00a0<span class=\"sw\">donne<\/span> <span class=\"sw\">\u00e9galement<\/span> <span class=\"sw\">un<\/span> <span class=\"sw\">signal<\/span> <span class=\"sw\">positif<\/span> <span class=\"sw\">au<\/span> <span class=\"sw\">pr\u00eateur<\/span> <span class=\"sw\">sur<\/span> <span class=\"sw\">votre<\/span> <span class=\"sw\">capacit\u00e9<\/span> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">\u00e9pargner<\/span> <span class=\"sw\">;\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\">La sant\u00e9 financi\u00e8re, soit l\u2019absence d\u2019incidents de paiement sur le compte bancaire, de d\u00e9couverts, d\u2019impay\u00e9s ou d\u2019inscription dans un fichier des incidents de remboursement des cr\u00e9dits (FICP) ;<\/li>\n<li style=\"text-align: justify;\">La coh\u00e9rence du projet immobilier : en cas d&rsquo;achat r\u00e9cent de\u00a0la r\u00e9sidence principale et d&rsquo;une sollicitation\u00a0l\u2019ann\u00e9e d\u2019apr\u00e8s d&rsquo;un nouveau pr\u00eat immobilier pour une r\u00e9sidence secondaire, la banque risque d&rsquo;avoir des doutes.<\/li>\n<\/ul>\n<h1 style=\"text-align: justify;\">Comment \u00e9viter le refus du cr\u00e9dit immobilier ?<\/h1>\n<p style=\"text-align: justify;\"><span class=\"sw\">S&rsquo;occuper<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">son<\/span> <span class=\"sw\">dossier<\/span> <span class=\"sw\">emprunteur<\/span> <span class=\"sw\">est<\/span> <span class=\"sw\">une<\/span> <span class=\"sw\">chose,<\/span> <span class=\"sw\">mais<\/span> <span class=\"sw\">ce<\/span> <span class=\"sw\">n&rsquo;est<\/span> <span class=\"sw\">pas<\/span> <span class=\"sw\">suffisant<\/span> <span class=\"sw\">pour<\/span> <span class=\"sw\">\u00e9viter<\/span>\u00a0d&rsquo;essuyer un refus de\u00a0<span class=\"sw\">pr\u00eat. <b>L&rsquo;attribution d&rsquo;un cr\u00e9dit se fait selon une proc\u00e9dure administrative qui doit \u00eatre suivie :\u00a0<\/b><\/span><\/p>\n<ul>\n<li style=\"text-align: justify;\">Remplir <span class=\"sw\">les<\/span> <span class=\"sw\">documents<\/span> <span class=\"sw\">et<\/span> <span class=\"sw\">questionnaires<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">plus<\/span> <span class=\"sw\">pr\u00e9cis\u00e9ment<\/span> <span class=\"sw\">et<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">plus<\/span> <span class=\"sw\">sinc\u00e8rement<\/span> <span class=\"sw\">possible,<\/span> <span class=\"sw\">notamment<\/span> <span class=\"sw\">pour<\/span> <span class=\"sw\">l&rsquo;assurance<\/span> <span class=\"sw\">emprunteur.<\/span>\u00a0Il faut veiller \u00e0 l&rsquo;orthographe des noms et pr\u00e9noms, qui doivent correspondre aux pi\u00e8ces d\u2019identit\u00e9 <span class=\"sw\">pr\u00e9sent\u00e9es<\/span> <span class=\"sw\">;<\/span><\/li>\n<li style=\"text-align: justify;\">Parapher, dater et <span class=\"sw\">signer<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">contrat<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">pr\u00eat<\/span> <span class=\"sw\">sans ratures, ce qui pourrait invalider l&rsquo;offre ;\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\">Ne pas mentir concernant les revenus ou les charges, <span class=\"sw\">car<\/span> <span class=\"sw\">les<\/span> <span class=\"sw\">banques<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">demanderont<\/span> <span class=\"sw\">des<\/span> <span class=\"sw\">justificatifs<\/span> <span class=\"sw\">et<\/span> <span class=\"sw\">v\u00e9rifieront<\/span> <span class=\"sw\">les<\/span> <span class=\"sw\">\u00e9l\u00e9ments<\/span>\u00a0fournis ;<\/li>\n<li style=\"text-align: justify;\">P<span class=\"sw\">r\u00e9senter<\/span> <span class=\"sw\">tous<\/span> <span class=\"sw\">les<\/span> <span class=\"sw\">justificatifs<\/span> <span class=\"sw\">requis<\/span> <span class=\"sw\">:<\/span> <span class=\"sw\">pi\u00e8ce<\/span> <span class=\"sw\">d&rsquo;identit\u00e9,<\/span> <span class=\"sw\">contrat<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">mariage<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">cas<\/span> <span class=\"sw\">\u00e9ch\u00e9ant,<\/span> <span class=\"sw\">contrat<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">travail,<\/span> <span class=\"sw\">fiche<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">paie,<\/span> <span class=\"sw\">descriptif<\/span> <span class=\"sw\">d&rsquo;achat<\/span> <span class=\"sw\">et<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">vente,<\/span> <span class=\"sw\">etc. Plus le dossier est complet et pr\u00e9cis, plus il a de chance d\u2019\u00eatre accept\u00e9 ;\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\">R<span class=\"sw\">etourner<\/span> <span class=\"sw\">l&rsquo;offre<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">pr\u00eat<\/span> <span class=\"sw\">sign\u00e9e<\/span> <span class=\"sw\">dans<\/span> <span class=\"sw\">les<\/span> <span class=\"sw\">d\u00e9lais<\/span> <span class=\"sw\">impartis<\/span> <span class=\"sw\">:<\/span> <span class=\"sw\">en<\/span> <span class=\"sw\">g\u00e9n\u00e9ral,<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">avez<\/span> <span class=\"sw\">jusqu&rsquo;\u00e0<\/span>\u00a030\u00a0<span class=\"sw\">jours<\/span> <span class=\"sw\">pour<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">faire,<\/span> <span class=\"sw\">au-del\u00e0<\/span> <span class=\"sw\">desquels<\/span> <span class=\"sw\">l&rsquo;<\/span><span class=\"sw\">offre<\/span>\u00a0est\u00a0<span class=\"sw\">annul\u00e9e.<\/span> <span class=\"sw\">Vous<\/span> <span class=\"sw\">disposez<\/span> <span class=\"sw\">\u00e9galement<\/span> <span class=\"sw\">d&rsquo;un<\/span> <span class=\"sw\">d\u00e9lai<\/span> <span class=\"sw\">l\u00e9gal<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">r\u00e9tractation<\/span> <span class=\"sw\">d&rsquo;au<\/span> <span class=\"sw\">moins<\/span>\u00a010\u00a0<span class=\"sw\">jours,<\/span> <span class=\"sw\">pendant<\/span> <span class=\"sw\">lequel<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">pouvez<\/span> <span class=\"sw\">revenir<\/span> <span class=\"sw\">sur<\/span> <span class=\"sw\">votre<\/span> <span class=\"sw\">d\u00e9cision<\/span> <span class=\"sw\">sans pr\u00e9judice.\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><b>Avant de soumettre le dossier \u00e0 un organisme, il est recommand\u00e9 d&rsquo;effectuer plusieurs simulations et de comparer les offres. <\/b>Ainsi, vous pourrez faire jouer la concurrence afin de savoir quel \u00e9tablissement est le plus int\u00e9ressant pour le projet.<\/p>\n<h1 style=\"text-align: justify;\"><span class=\"sw\">Que<\/span> <span class=\"sw\">faire<\/span> <span class=\"sw\">en<\/span> <span class=\"sw\">cas<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">refus<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">pr\u00eat<\/span> <span class=\"sw\">immobilier<\/span> <span class=\"sw\">?\u00a0<\/span><\/h1>\n<p style=\"text-align: justify;\"><span class=\"sw\">Si l&rsquo;organisme financier vient de rejeter\u00a0la\u00a0demande de pr\u00eat immobilier, cela ne signifie pas que vous deviez forc\u00e9ment abandonner le projet.<b> En effet, p<\/b><\/span><b><span class=\"sw\">lusieurs<\/span> <span class=\"sw\">options<\/span> <span class=\"sw\">s&rsquo;offrent<\/span> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">vous, pourvu que vous connaissiez la raison du refus de pr\u00eat immobilier, \u00e0 savoir : <\/span><\/b><\/p>\n<ul>\n<li style=\"text-align: justify;\">Tenter sa chance <span class=\"sw\">avec<\/span> <span class=\"sw\">un<\/span>\u00a0<span class=\"sw\">autre<\/span>\u00a0\u00e9tablissement\u00a0<span class=\"sw\">bancaire.<\/span> <span class=\"sw\">Des<\/span> <span class=\"sw\">concurrents<\/span> <span class=\"sw\">peuvent<\/span> <span class=\"sw\">\u00e9tudier<\/span> <span class=\"sw\">la<\/span> <span class=\"sw\">m\u00eame<\/span> <span class=\"sw\">demande,<\/span> <span class=\"sw\">mais<\/span> <span class=\"sw\">tirer<\/span> <span class=\"sw\">des<\/span> <span class=\"sw\">conclusions<\/span> <span class=\"sw\">diff\u00e9rentes<\/span> <span class=\"sw\">et<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">accorder<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">pr\u00eat<\/span> <span class=\"sw\">demand\u00e9.<\/span><\/li>\n<li style=\"text-align: justify;\">Attendre quelques mois <span class=\"sw\">pour<\/span> <span class=\"sw\">introduire<\/span> <span class=\"sw\">une<\/span> <span class=\"sw\">nouvelle<\/span> demande aupr\u00e8s de la m\u00eame banque, apr\u00e8s avoir am\u00e9lior\u00e9 votre dossier et notamment <span class=\"sw\">corrig\u00e9<\/span> <span class=\"sw\">les<\/span> <span class=\"sw\">points<\/span> <span class=\"sw\">bloquants, comme par exemple des d\u00e9couverts r\u00e9cents.\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\">Am\u00e9liorer le plan de financement : pour se faire, vous disposez de plusieurs possibilit\u00e9s comme allonger la dur\u00e9e du remboursement, revoir le budget \u00e0 la baisse, cibler un logement moins co\u00fbteux, adosser \u00e0 votre demande de cr\u00e9dit un pr\u00eat aid\u00e9 ou des aides \u00e0 l\u2019acquisition (pr\u00eat \u00e0 taux z\u00e9ro, pr\u00eat d\u2019accession sociale, pr\u00eat Action Logement, etc.). <strong>N<\/strong><b>ouveaut\u00e9 2025 :<\/b> \u00c0 partir du <strong>1er avril 2025<\/strong>, le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) s\u2019\u00e9largit et couvrira tous les logements neufs, peu importe la zone g\u00e9ographique, jusqu\u2019au <strong>31 d\u00e9cembre 2027<\/strong>. Bien que toujours soumis \u00e0 des conditions de ressources, ce changement vise \u00e0 rendre l\u2019accession \u00e0 la propri\u00e9t\u00e9 plus accessible, notamment pour les foyers modestes, en offrant un financement avantageux pour les nouveaux acheteurs.<\/li>\n<li style=\"text-align: justify;\">Souscrire une assurance de pr\u00eat (assurance emprunteur) aupr\u00e8s d\u2019un autre organisme, nomm\u00e9 la d\u00e9l\u00e9gation d\u2019assurance.<\/li>\n<li style=\"text-align: justify;\">Faire appel \u00e0 un courtier <span class=\"sw\">en<\/span> <span class=\"sw\">pr\u00eat<\/span> <span class=\"sw\">immobilier<\/span> <span class=\"sw\">qui<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">aidera<\/span> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">optimiser le\u00a0<\/span><span class=\"sw\">profil<\/span> <span class=\"sw\">et<\/span> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">pr\u00e9senter<\/span> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">plusieurs<\/span> <span class=\"sw\">\u00e9tablissements.\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\">I<b>l faut savoir qu&rsquo;en cas de refus de pr\u00eat immobilier, <span class=\"sw\">vous<\/span> <span class=\"sw\">pouvez<\/span> <span class=\"sw\">utiliser<\/span> <span class=\"sw\">la<\/span> <span class=\"sw\">clause<\/span> <span class=\"sw\">suspensive<\/span> <span class=\"sw\">contenue<\/span> <span class=\"sw\">dans<\/span> <span class=\"sw\">le<\/span> <span class=\"sw\">contrat<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">r\u00e9servation<\/span> <span class=\"sw\">pour<\/span> <span class=\"sw\">annuler<\/span> <span class=\"sw\">la<\/span> <span class=\"sw\">transaction.<\/span> <\/b><span class=\"sw\">De<\/span> <span class=\"sw\">cette<\/span> <span class=\"sw\">fa\u00e7on,<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">n&rsquo;avez<\/span> <span class=\"sw\">pas<\/span> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">payer<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">p\u00e9nalit\u00e9<\/span> <span class=\"sw\">et<\/span> <span class=\"sw\">r\u00e9cup\u00e9rez les sommes d\u00e9j\u00e0 vers\u00e9es.\u00a0<\/span><span class=\"sw\">P<b>our<\/b><\/span><b> <span class=\"sw\">cela,<\/span> <span class=\"sw\">il<\/span> <span class=\"sw\">est<\/span> <span class=\"sw\">n\u00e9cessaire<\/span> <span class=\"sw\">d&rsquo;envoyer<\/span> <span class=\"sw\">une<\/span> <span class=\"sw\">lettre<\/span> <span class=\"sw\">recommand\u00e9e<\/span> <span class=\"sw\">avec<\/span> <span class=\"sw\">accus\u00e9<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">r\u00e9ception,<\/span> <span class=\"sw\">\u00e0<\/span> <span class=\"sw\">laquelle<\/span> <span class=\"sw\">vous<\/span> <span class=\"sw\">devez<\/span> <span class=\"sw\">joindre<\/span> <span class=\"sw\">une<\/span> <span class=\"sw\">confirmation<\/span> <span class=\"sw\">de<\/span> <span class=\"sw\">refus<\/span> <span class=\"sw\">\u00e9mise<\/span> <span class=\"sw\">par<\/span> <span class=\"sw\">la<\/span> <span class=\"sw\">banque.\u00a0<\/span><\/b><\/p>\n<p style=\"text-align: justify;\"><div class='cta-block'><div class='text'>Simulez toutes vos aides en 2 min.<\/div><a href='https:\/\/www.mes-allocs.fr\/ab-app?origin=guides\/wp-json\/wp\/v2\/posts\/57495' class='app-button fit'>Simulation gratuite<\/a><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous avez fait une demande de cr\u00e9dit immobilier \u00e0 la banque pour financer votre projet d&rsquo;achat, mais il a \u00e9t\u00e9 refus\u00e9 ? Il faut savoir qu&rsquo;un refus de pr\u00eat immobilier peut avoir plusieurs motifs. En examinant le dossier de demande de cr\u00e9dit, la banque s\u2019appuie sur la totalit\u00e9 des \u00e9l\u00e9ments concernant aussi bien le profil [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":57886,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":"","footnotes":""},"categories":[1358,18469],"tags":[],"class_list":["post-57495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-immobilier","category-emprunter"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9dit immobilier refus\u00e9 : quelles sont les raisons ? | Mes-Allocs.fr<\/title>\n<meta name=\"description\" content=\"Il faut savoir qu&#039;un refus de pr\u00eat immobilier\u00a0peut avoir plusieurs raisons. 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Sur son temps libre, Marina lit beaucoup et passe ses dimanches au mus\\u00e9e.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/marinaadaondo\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","amp_validity":null,"acf":{"faq":{"1":{"question":"Quelles sont les raisons d'un refus de pr\u00eat immobilier ?","answer":"Les causes d'un refus de pr\u00eat immobilier par la banque sont un taux d'endettement trop \u00e9lev\u00e9, une situation professionnelle trop instable, une mauvaise gestion de ses comptes, un apport personnel insuffisant, etc."},"2":{"question":"Quelle banque pr\u00eate le plus facilement pour l'immobilier ?","answer":"Parmi les \u00e9tablissements qui pr\u00eatent facilement pour un pr\u00eat immobilier, vous trouvez : les banques g\u00e9n\u00e9ralistes nationales comme le CIC, la Banque Postale, BNP Paribas, LCL, etc. Les banques mutualistes ou coop\u00e9ratives comme le Cr\u00e9dit Mutuel, la Caisse d'\u00c9pargne, la Banque Populaire, etc."},"3":{"question":"Pourquoi les banques refusent presque la moiti\u00e9 des demandes de pr\u00eat ?","answer":"Pr\u00e8s d'une demande de cr\u00e9dit immobilier sur deux est refus\u00e9e actuellement faute au taux d'usure, qui ferme le robinet du cr\u00e9dit."},"4":{"question":"Comment les banques v\u00e9rifient ?","answer":"La banque examine votre demande et votre situation, \u00e0 savoir la capacit\u00e9 de remboursement au regard de la situation familiale et professionnelle, les revenus, le patrimoine, le taux d'endettement, les garanties que vous pouvez apporter, etc. "},"5":{"question":"Comment faire pour que ma demande de cr\u00e9dit soit accept\u00e9 ?","answer":"Pour que le cr\u00e9dit soit accept\u00e9, il faut que la situation de l'emprunteur soit en coh\u00e9rence avec les crit\u00e8res d'exigence des organismes de cr\u00e9dit et des banques. Il faut par exemple avoir une capacit\u00e9 \u00e0 emprunter suffisante, disposer de revenus fixes et notamment avoir un contrat de travail p\u00e9renne."},"6":{"question":"Comment est calcul\u00e9 le taux d'endettement ?","answer":"Pour conna\u00eetre votre taux d'endettement, il faut calculer la mensualit\u00e9 de votre pr\u00eat et l'additionner \u00e0 vos charges fixes (loyer, autres cr\u00e9dits en cours, pensions, etc.), puis multiplier ce nombre par 100 et diviser le total par vos revenus (salaires nets + autres revenus comme des revenus locatifs, etc.)."},"7":{"question":"","answer":""},"8":{"question":"","answer":""},"9":{"question":"","answer":""},"10":{"question":"","answer":""},"11":{"question":"","answer":""},"12":{"question":"","answer":""},"13":{"question":"","answer":""},"14":{"question":"","answer":""},"15":{"question":"","answer":""},"16":{"question":"","answer":""}}},"_links":{"self":[{"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/posts\/57495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/comments?post=57495"}],"version-history":[{"count":6,"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/posts\/57495\/revisions"}],"predecessor-version":[{"id":93913,"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/posts\/57495\/revisions\/93913"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/media\/57886"}],"wp:attachment":[{"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/media?parent=57495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/categories?post=57495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mes-allocs.fr\/guides\/wp-json\/wp\/v2\/tags?post=57495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}