{"id":777,"date":"2017-04-20T15:58:56","date_gmt":"2017-04-20T14:58:56","guid":{"rendered":"http:\/\/pressetaux.fr\/montpellier\/?p=777"},"modified":"2019-10-10T09:50:27","modified_gmt":"2019-10-10T08:50:27","slug":"differents-moyens-de-constituer-apport-epargne","status":"publish","type":"post","link":"https:\/\/pressetaux.fr\/montpellier\/differents-moyens-de-constituer-apport-epargne\/","title":{"rendered":"Les diff\u00e9rents moyens de constituer un apport quand on n\u2019a pas d\u2019\u00e9pargne"},"content":{"rendered":"

\"\"<\/a>Pr\u00eats familiaux, donations, reconnaissance de dette, mise en place d\u2019une \u00e9pargne programm\u00e9e, pr\u00eats 1 % employeur, voire m\u00eame recours au financement participatif\u2026 Il existe de nombreux moyens permettant de faciliter l\u2019acquisition d\u2019un apport dans le cadre d\u2019un projet d\u2019achat immobilier. Les courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux font le point.<\/b><\/p>\n

Outre les moyens plus traditionnels, comme les pr\u00eats familiaux, de plus en plus d’initiatives visant \u00e0 faciliter l\u2019acquisition d\u2019un apport voient le jour, \u00e0 l\u2019exemple du recours au financement participatif, ce que propose le site <\/span>devenez-proprio.fr<\/span><\/a>. <\/span>\u201cL’id\u00e9e est int\u00e9ressante<\/span><\/i>, introduit <\/span>Geoffrey Mazouzi, courtier PresseTaux \u00e0 Reims<\/span><\/a>, <\/span>car l’entraide permet de r\u00e9aliser des projets. Cependant, ce genre d\u2019outil n\u2019est pas encore assez d\u00e9mocratis\u00e9 pour que les courtiers puissent s’appuyer sur de tels supports.\u201d<\/span><\/i><\/p>\n

<\/p>\n

Christophe Lamand, courtier PresseTaux \u00e0 Douai<\/span><\/a>, reconna\u00eet rester <\/span>\u201cplut\u00f4t traditionnel\u201d<\/span><\/i> dans sa mani\u00e8re d\u2019aborder le financement d\u2019un projet immobilier avec les banques. <\/span>Eric Bossaert, courtier PresseTaux \u00e0 Cambrai<\/span><\/a>, a par contre d\u00e9j\u00e0 <\/span>\u201centendu parler du recours au financement participatif dans le cadre de pr\u00eats professionnels\u201d<\/span><\/i>.<\/span><\/p>\n

\u201cLe recours au financement immobilier participatif reste la derni\u00e8re possibilit\u00e9 de financement car son co\u00fbt est exorbitant\u201d<\/span><\/i>, avance <\/span>Carine Pradelles, courtier PresseTaux \u00e0 Montpellier<\/span><\/a> [NDLR : en effet, \u201cune commission de fonctionnement de 5 % sera directement d\u00e9duite des fonds vers\u00e9s\u201d, peut-on ainsi lire sur le <\/span><\/i>site<\/span><\/i><\/a> de devenez-proprio.fr]<\/span><\/i>. <\/span>\u201c\u00c0 mon sens, il vaut mieux d\u00e9caler son projet immobilier et constituer son propre apport plut\u00f4t que de faire appel \u00e0 ce type de financement.\u201d <\/span><\/i>Avant de nuancer : <\/span>\u201cDans l’impossibilit\u00e9 de d\u00e9caler son projet, cela reste une possibilit\u00e9 finale, un ultime recours…\u201d<\/span><\/i><\/p>\n

Les clients qui n’ont pas ou tr\u00e8s peu d’\u00e9pargne disponible peuvent trouver diff\u00e9rents moyens pour r\u00e9unir l’apport n\u00e9cessaire \u00e0 l’obtention d’un pr\u00eat, \u00e0 commencer par les pr\u00eats familiaux. <\/span>\u201cLes parents peuvent contribuer \u00e0 l\u2019apport de leurs enfants par des donations\u201d<\/span><\/i>, avance ainsi Eric Bossaert.<\/span><\/p>\n

\u201cOn peut conseiller des pr\u00eats familiaux ou des pr\u00eats personnels lissables avec des pr\u00eats immobiliers, de mani\u00e8re \u00e0 limiter l’endettement des clients\u201d<\/span><\/i>, compl\u00e8te <\/span>Isabelle Venzal, courtier PresseTaux \u00e0 Poissy<\/span><\/a>. <\/span>\u201cIl existe aussi les pr\u00eats 1 % employeur qui peuvent aider \u00e0 financer un projet [NDLR : aussi appel\u00e9 \u201cpr\u00eat 1 % patronal\u201d, le pr\u00eat 1 % employeur est un pr\u00eat immobilier s’adressant aux salari\u00e9s des entreprises du secteur priv\u00e9 de 10 salari\u00e9s et plus. Il est particuli\u00e8rement int\u00e9ressant puisqu’il permet \u00e0 ses b\u00e9n\u00e9ficiaires d’obtenir un pr\u00eat \u00e0 un taux tr\u00e8s avantageux qui varie de 0 \u00e0 1%].\u201d<\/span><\/i><\/p>\n

\u201cLes clients peuvent nous consulter et nous trouverons des solutions parmi nos nombreux partenaires bancaires\u201d<\/span><\/i>, ajoute <\/span>C\u00e9dric Leroy, courtier PresseTaux \u00e0 Sannois<\/span><\/a>. <\/span>\u201cUne bonne gestion des comptes peut faire l’affaire<\/span><\/i>, rappelle <\/span>Jean-Philippe Journet, courtier PresseTaux \u00e0 Caudry<\/span><\/a>. <\/span>Une mise en place d’une \u00e9pargne automatique sera par exemple bien per\u00e7ue de la part des banques.\u201d<\/span><\/i><\/p>\n

\u201cCe n’est pas forc\u00e9ment l’apport qui emp\u00eache la r\u00e9alisation d’un projet, mais l’endettement\u201d<\/span><\/i>, nuance Geoffrey Mazouzi, qui cite un exemple r\u00e9cent d\u2019un dossier qu\u2019il a eu \u00e0 traiter : <\/span>\u201cUn jeune homme, qui souhaitait acheter avec sa conjointe, avait un pr\u00eat auto en cours qui faisait baisser sa capacit\u00e9 d\u2019endettement, alors que sa conjointe avait un apport tr\u00e8s cons\u00e9quent. Je lui ai donc sugg\u00e9r\u00e9 de demander un pr\u00eat \u00e0 ses beaux-parents, encadr\u00e9 par une reconnaissance de dettes, afin de liquider son pr\u00eat auto. Gr\u00e2ce \u00e0 cette astuce, le pr\u00eat fut accord\u00e9.\u201d<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

Pr\u00eats familiaux, donations, reconnaissance de dette, mise en place d\u2019une \u00e9pargne programm\u00e9e, pr\u00eats 1 % employeur, voire m\u00eame recours au financement participatif\u2026 Il existe de nombreux moyens permettant de faciliter l\u2019acquisition d\u2019un apport dans le cadre d\u2019un projet d\u2019achat immobilier. Les courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux font le point. Outre les moyens plus traditionnels, comme les pr\u00eats familiaux, de plus en plus d’initiatives visant \u00e0 faciliter l\u2019acquisition d\u2019un apport voient le jour, \u00e0 l\u2019exemple du recours au financement participatif, ce que propose le site devenez-proprio.fr. \u201cL’id\u00e9e est int\u00e9ressante, introduit Geoffrey Mazouzi, courtier PresseTaux \u00e0 Reims, car l’entraide permet de r\u00e9aliser des projets. Cependant, ce genre d\u2019outil n\u2019est pas encore assez d\u00e9mocratis\u00e9 pour que les courtiers puissent s’appuyer sur de tels supports.\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":[4],"tags":[],"yoast_head":"\nLes diff\u00e9rents moyens de constituer un apport quand on n\u2019a pas d\u2019\u00e9pargne - PresseTaux Montpellier<\/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\/montpellier\/differents-moyens-de-constituer-apport-epargne\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les diff\u00e9rents moyens de constituer un apport quand on n\u2019a pas d\u2019\u00e9pargne - PresseTaux Montpellier\" \/>\n<meta property=\"og:description\" content=\"Pr\u00eats familiaux, donations, reconnaissance de dette, mise en place d\u2019une \u00e9pargne programm\u00e9e, pr\u00eats 1 % employeur, voire m\u00eame recours au financement participatif\u2026 Il existe de nombreux moyens permettant de faciliter l\u2019acquisition d\u2019un apport dans le cadre d\u2019un projet d\u2019achat immobilier. Les courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux font le point. Outre les moyens plus traditionnels, comme les pr\u00eats familiaux, de plus en plus d’initiatives visant \u00e0 faciliter l\u2019acquisition d\u2019un apport voient le jour, \u00e0 l\u2019exemple du recours au financement participatif, ce que propose le site devenez-proprio.fr. \u201cL’id\u00e9e est int\u00e9ressante, introduit Geoffrey Mazouzi, courtier PresseTaux \u00e0 Reims, car l’entraide permet de r\u00e9aliser des projets. 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