{"id":608,"date":"2018-02-05T13:49:24","date_gmt":"2018-02-05T12:49:24","guid":{"rendered":"http:\/\/pressetaux.fr\/douai\/?p=608"},"modified":"2019-10-10T09:58:06","modified_gmt":"2019-10-10T08:58:06","slug":"primo-accedants-principaux-criteres-etudies-banques","status":"publish","type":"post","link":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/","title":{"rendered":"Primo-acc\u00e9dants : les principaux crit\u00e8res \u00e9tudi\u00e9s par les banques"},"content":{"rendered":"

\"\"<\/a>Apport, taux d\u2019endettement, tenue de compte, saut de charges\u2026 Quand il s\u2019agit de dossiers de primo-acc\u00e9dants, les banques ne n\u00e9gligent aucun d\u00e9tail.<\/b><\/p>\n

\u201cStabilit\u00e9 des emplois, apport, \u00e9pargne, \u00e9volution des salaires\u2026\u201d<\/span><\/i> : selon <\/span>C\u00e9dric Humbert<\/span><\/a>, courtier PresseTaux \u00e0 Chevreuse, les banques scrutent le moindre d\u00e9tail des dossiers des primo-acc\u00e9dants ! <\/span>\u201cElles font \u00e9galement attention \u00e0 la gestion de compte\u201d<\/span><\/i>, poursuit <\/span>C\u00e9dric Leroy<\/span><\/a>, courtier PresseTaux \u00e0 Sannois. <\/span>\u201cIl faut montrer au travers du dossier que le client est d\u00e9j\u00e0 capable d’honorer sa future mensualit\u00e9 et que le montant d\u00e9j\u00e0 consacr\u00e9 pour se loger, augment\u00e9 de son \u00e9pargne mensuelle si elle existe, est sup\u00e9rieur ou \u00e9gal \u00e0 la mensualit\u00e9 d\u2019emprunt qui sera demand\u00e9e \u00e0 la banque.\u201d<\/span><\/i><\/p>\n

<\/p>\n

\u201cDans ce contexte, l’apport est un plus au projet, mais il n\u2019est pas indispensable\u201d<\/span><\/i>, poursuit-il. <\/span>\u201cMais les dossiers sans apport sont quand m\u00eame devenus tr\u00e8s difficiles \u00e0 pr\u00e9senter et \u00e0 faire valider en banque\u201d<\/span><\/i>, nuance <\/span>Christophe Lamand<\/span><\/a>, courtier PresseTaux \u00e0 Douai. Sur le plan strictement, financier, <\/span>\u201cle taux d’endettement et le reste \u00e0 vivre\u201d<\/span><\/i> sont \u00e9galement \u00e9tudi\u00e9s de pr\u00e8s, pr\u00e9cise <\/span>Marion Nicolas<\/span><\/a>, courtier PresseTaux \u00e0 Nancy.<\/span><\/p>\n

Puisque ces demandes de financement s\u2019inscrivent dans le cadre d\u2019un premier projet d\u2019achat immobilier, il est fondamental de pouvoir prouver \u00e0 la banque que les emprunteurs disposent d\u2019une saine gestion de leur compte courant. C\u2019est d\u2019ailleurs un crit\u00e8re qui devient <\/span>\u201cde plus en plus important\u201d<\/span><\/i>, selon <\/span>Johan Carr\u00e9<\/span><\/a>, courtier PresseTaux \u00e0 Cambrai. D\u00e8s lors, la banque appr\u00e9ciera le dossier d\u2019autant plus positivement si un effort manifeste a \u00e9t\u00e9 fait pour constituer un d\u00e9but d\u2019\u00e9pargne.<\/span><\/p>\n

Autre aspect qui int\u00e9ressera la banque : <\/span>\u201csi le client est log\u00e9 \u00e0 titre gratuit, par exemple chez ses parents, ou bien s\u2019il est locataire depuis plusieurs ann\u00e9es, auquel cas la banque sera attentive au saut de charges\u201d<\/span><\/i>, explique Marion Nicolas. Pour rappel, le saut de charges, c\u2019est la diff\u00e9rence entre le montant des loyers et les mensualit\u00e9s de cr\u00e9dit, c’est-\u00e0-dire le diff\u00e9rentiel de paiements mensuels avant et apr\u00e8s l’op\u00e9ration de pr\u00eat. Plus il sera \u00e9lev\u00e9 et plus le risque bancaire sera important pour l’\u00e9tablissement pr\u00eateur. De m\u00eame que le risque sera plus grand pour l’emprunteur d’assurer ses futures \u00e9ch\u00e9ances mensuelles. \u00c0 l\u2019inverse, un saut de charges nul ou n\u00e9gatif est le meilleur cas de figure pour garantir la solidit\u00e9 financi\u00e8re de l\u2019emprunteur aupr\u00e8s de la banque.<\/span><\/p>\n

\u201cSi le client vit chez ses parents, il faudra qu’il d\u00e9montre sa capacit\u00e9 \u00e0 mettre l’\u00e9quivalent d’un loyer en \u00e9pargne afin de justifier sa capacit\u00e9 \u00e0 pouvoir payer la mensualit\u00e9 de pr\u00eat ult\u00e9rieurement\u201d<\/span><\/i>, compl\u00e8te Christophe Lamand. <\/span>\u201cConcernant les personnes qui sont d\u00e9j\u00e0 en location, les banques vont regarder si elles arrivent tout de m\u00eame \u00e0 g\u00e9n\u00e9rer une petite \u00e9pargne mensuelle, et ce m\u00eame si elles ne souhaitent pas l’apporter au financement du projet.\u201d<\/span><\/i><\/p>\n

Isabelle Venzal<\/span><\/a>, courtier PresseTaux \u00e0 Poissy, n\u2019oublie pas de mentionner deux derniers crit\u00e8res : <\/span>\u201cl\u2019\u00e2ge et la situation professionnelle\u201d<\/span><\/i>. En effet, <\/span>\u201cl\u2019anciennet\u00e9 dans l\u2019emploi\u201d<\/span><\/i> peut jouer dans l\u2019acceptation d\u2019un dossier, selon <\/span>Eric Bossaert<\/span><\/a>, courtier PresseTaux \u00e0 Cambrai. Quant \u00e0 l’\u00e2ge du client, <\/span>\u201cil peut parfois constituer un crit\u00e8re sp\u00e9cifique car les banques cherchent \u00e0 capter une jeune client\u00e8le \u00e0 potentiel\u201d<\/span><\/i>, conclut <\/span>Herv\u00e9 Grain<\/span><\/a>, courtier PresseTaux \u00e0 Antony.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Apport, taux d\u2019endettement, tenue de compte, saut de charges\u2026 Quand il s\u2019agit de dossiers de primo-acc\u00e9dants, les banques ne n\u00e9gligent aucun d\u00e9tail. \u201cStabilit\u00e9 des emplois, apport, \u00e9pargne, \u00e9volution des salaires\u2026\u201d : selon C\u00e9dric Humbert, courtier PresseTaux \u00e0 Chevreuse, les banques scrutent le moindre d\u00e9tail des dossiers des primo-acc\u00e9dants ! \u201cElles font \u00e9galement attention \u00e0 la gestion de compte\u201d, poursuit C\u00e9dric Leroy, courtier PresseTaux \u00e0 Sannois. \u201cIl faut montrer au travers du dossier que le client est d\u00e9j\u00e0 capable d’honorer sa future mensualit\u00e9 et que le montant d\u00e9j\u00e0 consacr\u00e9 pour se loger, augment\u00e9 de son \u00e9pargne mensuelle si elle existe, est sup\u00e9rieur ou \u00e9gal \u00e0 la mensualit\u00e9 d\u2019emprunt qui sera demand\u00e9e \u00e0 la banque.\u201d<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":""},"categories":[5],"tags":[],"yoast_head":"\nPrimo-acc\u00e9dants : les principaux crit\u00e8res \u00e9tudi\u00e9s par les banques - PresseTaux Douai<\/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:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Primo-acc\u00e9dants : les principaux crit\u00e8res \u00e9tudi\u00e9s par les banques - PresseTaux Douai\" \/>\n<meta property=\"og:description\" content=\"Apport, taux d\u2019endettement, tenue de compte, saut de charges\u2026 Quand il s\u2019agit de dossiers de primo-acc\u00e9dants, les banques ne n\u00e9gligent aucun d\u00e9tail. \u201cStabilit\u00e9 des emplois, apport, \u00e9pargne, \u00e9volution des salaires\u2026\u201d : selon C\u00e9dric Humbert, courtier PresseTaux \u00e0 Chevreuse, les banques scrutent le moindre d\u00e9tail des dossiers des primo-acc\u00e9dants ! \u201cElles font \u00e9galement attention \u00e0 la gestion de compte\u201d, poursuit C\u00e9dric Leroy, courtier PresseTaux \u00e0 Sannois. \u201cIl faut montrer au travers du dossier que le client est d\u00e9j\u00e0 capable d’honorer sa future mensualit\u00e9 et que le montant d\u00e9j\u00e0 consacr\u00e9 pour se loger, augment\u00e9 de son \u00e9pargne mensuelle si elle existe, est sup\u00e9rieur ou \u00e9gal \u00e0 la mensualit\u00e9 d\u2019emprunt qui sera demand\u00e9e \u00e0 la banque.\u201d\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/\" \/>\n<meta property=\"og:site_name\" content=\"PresseTaux Douai\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pressetauxdouai?locale=fr_FR\" \/>\n<meta property=\"article:published_time\" content=\"2018-02-05T12:49:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-10-10T08:58:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2017\/08\/Primo-accession_1.gif\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ma\u00ebl PresseTaux\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/pressetaux.fr\/douai\/#organization\",\"name\":\"PresseTaux Douai\",\"url\":\"https:\/\/pressetaux.fr\/douai\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/pressetauxdouai?locale=fr_FR\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/douai\/#logo\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/pressetaux.fr\/douai\/wp-content\/uploads\/sites\/26\/2020\/11\/LogoPressetaux.png\",\"contentUrl\":\"https:\/\/pressetaux.fr\/douai\/wp-content\/uploads\/sites\/26\/2020\/11\/LogoPressetaux.png\",\"width\":488,\"height\":278,\"caption\":\"PresseTaux Douai\"},\"image\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/pressetaux.fr\/douai\/#website\",\"url\":\"https:\/\/pressetaux.fr\/douai\/\",\"name\":\"PresseTaux Douai\",\"description\":\"COURTIER EN CREDIT\",\"publisher\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/pressetaux.fr\/douai\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#primaryimage\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2017\/08\/Primo-accession_1.gif\",\"contentUrl\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2017\/08\/Primo-accession_1.gif\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#webpage\",\"url\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/\",\"name\":\"Primo-acc\\u00e9dants : les principaux crit\\u00e8res \\u00e9tudi\\u00e9s par les banques - PresseTaux Douai\",\"isPartOf\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#primaryimage\"},\"datePublished\":\"2018-02-05T12:49:24+00:00\",\"dateModified\":\"2019-10-10T08:58:06+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/pressetaux.fr\/douai\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Primo-acc\\u00e9dants : les principaux crit\\u00e8res \\u00e9tudi\\u00e9s par les banques\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#webpage\"},\"author\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/#\/schema\/person\/e18ef05c180d813e5ce42087d0369f85\"},\"headline\":\"Primo-acc\\u00e9dants : les principaux crit\\u00e8res \\u00e9tudi\\u00e9s par les banques\",\"datePublished\":\"2018-02-05T12:49:24+00:00\",\"dateModified\":\"2019-10-10T08:58:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#webpage\"},\"wordCount\":580,\"publisher\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/#organization\"},\"image\":{\"@id\":\"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2017\/08\/Primo-accession_1.gif\",\"articleSection\":[\"PresseTaux\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/pressetaux.fr\/douai\/#\/schema\/person\/e18ef05c180d813e5ce42087d0369f85\",\"name\":\"Ma\\u00ebl PresseTaux\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/douai\/#personlogo\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c2daa4ba12e6c26194c9f7b7936f6a98?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c2daa4ba12e6c26194c9f7b7936f6a98?s=96&d=mm&r=g\",\"caption\":\"Ma\\u00ebl PresseTaux\"},\"url\":\"https:\/\/pressetaux.fr\/douai\/author\/mael-nonet\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Primo-acc\u00e9dants : les principaux crit\u00e8res \u00e9tudi\u00e9s par les banques - PresseTaux Douai","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/","og_locale":"fr_FR","og_type":"article","og_title":"Primo-acc\u00e9dants : les principaux crit\u00e8res \u00e9tudi\u00e9s par les banques - PresseTaux Douai","og_description":"Apport, taux d\u2019endettement, tenue de compte, saut de charges\u2026 Quand il s\u2019agit de dossiers de primo-acc\u00e9dants, les banques ne n\u00e9gligent aucun d\u00e9tail. \u201cStabilit\u00e9 des emplois, apport, \u00e9pargne, \u00e9volution des salaires\u2026\u201d : selon C\u00e9dric Humbert, courtier PresseTaux \u00e0 Chevreuse, les banques scrutent le moindre d\u00e9tail des dossiers des primo-acc\u00e9dants ! \u201cElles font \u00e9galement attention \u00e0 la gestion de compte\u201d, poursuit C\u00e9dric Leroy, courtier PresseTaux \u00e0 Sannois. \u201cIl faut montrer au travers du dossier que le client est d\u00e9j\u00e0 capable d’honorer sa future mensualit\u00e9 et que le montant d\u00e9j\u00e0 consacr\u00e9 pour se loger, augment\u00e9 de son \u00e9pargne mensuelle si elle existe, est sup\u00e9rieur ou \u00e9gal \u00e0 la mensualit\u00e9 d\u2019emprunt qui sera demand\u00e9e \u00e0 la banque.\u201d","og_url":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/","og_site_name":"PresseTaux Douai","article_publisher":"https:\/\/www.facebook.com\/pressetauxdouai?locale=fr_FR","article_published_time":"2018-02-05T12:49:24+00:00","article_modified_time":"2019-10-10T08:58:06+00:00","og_image":[{"url":"https:\/\/pressetaux.fr\/wp-content\/uploads\/2017\/08\/Primo-accession_1.gif"}],"twitter_card":"summary","twitter_misc":{"\u00c9crit par":"Ma\u00ebl PresseTaux","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/pressetaux.fr\/douai\/#organization","name":"PresseTaux Douai","url":"https:\/\/pressetaux.fr\/douai\/","sameAs":["https:\/\/www.facebook.com\/pressetauxdouai?locale=fr_FR"],"logo":{"@type":"ImageObject","@id":"https:\/\/pressetaux.fr\/douai\/#logo","inLanguage":"fr-FR","url":"https:\/\/pressetaux.fr\/douai\/wp-content\/uploads\/sites\/26\/2020\/11\/LogoPressetaux.png","contentUrl":"https:\/\/pressetaux.fr\/douai\/wp-content\/uploads\/sites\/26\/2020\/11\/LogoPressetaux.png","width":488,"height":278,"caption":"PresseTaux Douai"},"image":{"@id":"https:\/\/pressetaux.fr\/douai\/#logo"}},{"@type":"WebSite","@id":"https:\/\/pressetaux.fr\/douai\/#website","url":"https:\/\/pressetaux.fr\/douai\/","name":"PresseTaux Douai","description":"COURTIER EN CREDIT","publisher":{"@id":"https:\/\/pressetaux.fr\/douai\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pressetaux.fr\/douai\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"fr-FR"},{"@type":"ImageObject","@id":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#primaryimage","inLanguage":"fr-FR","url":"https:\/\/pressetaux.fr\/wp-content\/uploads\/2017\/08\/Primo-accession_1.gif","contentUrl":"https:\/\/pressetaux.fr\/wp-content\/uploads\/2017\/08\/Primo-accession_1.gif"},{"@type":"WebPage","@id":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#webpage","url":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/","name":"Primo-acc\u00e9dants : les principaux crit\u00e8res \u00e9tudi\u00e9s par les banques - PresseTaux Douai","isPartOf":{"@id":"https:\/\/pressetaux.fr\/douai\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#primaryimage"},"datePublished":"2018-02-05T12:49:24+00:00","dateModified":"2019-10-10T08:58:06+00:00","breadcrumb":{"@id":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/pressetaux.fr\/douai\/"},{"@type":"ListItem","position":2,"name":"Primo-acc\u00e9dants : les principaux crit\u00e8res \u00e9tudi\u00e9s par les banques"}]},{"@type":"Article","@id":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#article","isPartOf":{"@id":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#webpage"},"author":{"@id":"https:\/\/pressetaux.fr\/douai\/#\/schema\/person\/e18ef05c180d813e5ce42087d0369f85"},"headline":"Primo-acc\u00e9dants : les principaux crit\u00e8res \u00e9tudi\u00e9s par les banques","datePublished":"2018-02-05T12:49:24+00:00","dateModified":"2019-10-10T08:58:06+00:00","mainEntityOfPage":{"@id":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#webpage"},"wordCount":580,"publisher":{"@id":"https:\/\/pressetaux.fr\/douai\/#organization"},"image":{"@id":"https:\/\/pressetaux.fr\/douai\/primo-accedants-principaux-criteres-etudies-banques\/#primaryimage"},"thumbnailUrl":"https:\/\/pressetaux.fr\/wp-content\/uploads\/2017\/08\/Primo-accession_1.gif","articleSection":["PresseTaux"],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/pressetaux.fr\/douai\/#\/schema\/person\/e18ef05c180d813e5ce42087d0369f85","name":"Ma\u00ebl PresseTaux","image":{"@type":"ImageObject","@id":"https:\/\/pressetaux.fr\/douai\/#personlogo","inLanguage":"fr-FR","url":"https:\/\/secure.gravatar.com\/avatar\/c2daa4ba12e6c26194c9f7b7936f6a98?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c2daa4ba12e6c26194c9f7b7936f6a98?s=96&d=mm&r=g","caption":"Ma\u00ebl PresseTaux"},"url":"https:\/\/pressetaux.fr\/douai\/author\/mael-nonet\/"}]}},"_links":{"self":[{"href":"https:\/\/pressetaux.fr\/douai\/wp-json\/wp\/v2\/posts\/608"}],"collection":[{"href":"https:\/\/pressetaux.fr\/douai\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pressetaux.fr\/douai\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pressetaux.fr\/douai\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/pressetaux.fr\/douai\/wp-json\/wp\/v2\/comments?post=608"}],"version-history":[{"count":0,"href":"https:\/\/pressetaux.fr\/douai\/wp-json\/wp\/v2\/posts\/608\/revisions"}],"wp:attachment":[{"href":"https:\/\/pressetaux.fr\/douai\/wp-json\/wp\/v2\/media?parent=608"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pressetaux.fr\/douai\/wp-json\/wp\/v2\/categories?post=608"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pressetaux.fr\/douai\/wp-json\/wp\/v2\/tags?post=608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}