{"id":9803,"date":"2024-03-14T00:00:00","date_gmt":"2024-03-13T23:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/comment-assurer-une-meilleure-comprehension-des-refus-de-credits-immobiliers\/"},"modified":"2024-03-14T00:00:00","modified_gmt":"2024-03-13T23:00:00","slug":"comment-assurer-une-meilleure-comprehension-des-refus-de-credits-immobiliers","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/comment-assurer-une-meilleure-comprehension-des-refus-de-credits-immobiliers\/","title":{"rendered":"Comment assurer une meilleure compr\u00e9hension des refus de cr\u00e9dits immobiliers ?"},"content":{"rendered":"<p>De nombreuses personnes souhaitant acqu\u00e9rir un bien immobilier voient leur projet tomber \u00e0 l\u2019eau en raison d\u2019un refus de cr\u00e9dit immobilier. Il arrive parfois que la raison de ce refus ne soit pas comprise. D\u2019o\u00f9 la cr\u00e9ation d\u2019un dispositif temporaire visant \u00e0 mettre fin \u00e0 cette incompr\u00e9hension\u2026<\/p>\n<h2>Refus de cr\u00e9dits immobiliers : des dossiers analys\u00e9s une seconde fois !<\/h2>\n<p>R\u00e9cemment, les banques ont annonc\u00e9 la mise en place d\u2019un dispositif temporaire devant assurer une meilleure compr\u00e9hension des refus de cr\u00e9dits immobiliers.<\/p>\n<p>Ce dispositif, applicable jusqu\u2019\u00e0 fin d\u00e9cembre 2024, est ouvert aux personnes physiques clientes de la banque concern\u00e9e, qui ont \u00e9tabli un dossier conforme permettant l\u2019instruction compl\u00e8te de leur demande de pr\u00eat, et qui ne sont pas inscrites sur les fichiers d\u2019incidents de paiements g\u00e9r\u00e9s par la Banque de France.<\/p>\n<p>Il est mis en \u0153uvre \u00e0 la demande du client pour les dossiers portant sur le financement de la r\u00e9sidence principale, d\u2019une r\u00e9sidence secondaire ou d\u2019un investissement locatif, qui rentrent dans les crit\u00e8res d\u2019octroi du Haut conseil de stabilit\u00e9 financi\u00e8re (dur\u00e9e du cr\u00e9dit, taux d\u2019effort calcul\u00e9 avec les conditions de cr\u00e9dit de la banque).<\/p>\n<p>Notez \u00e9galement qu\u2019il faut que le projet d\u2019achat puisse encore \u00eatre men\u00e9 \u00e0 terme pour que le dispositif soit activ\u00e9.<\/p>\n<p>Enfin, sachez que chaque \u00e9tablissement bancaire va d\u00e9terminer lui-m\u00eame les modalit\u00e9s d\u2019organisation et d\u2019information de ses clients sur la mise en \u0153uvre de ce dispositif.<\/p>\n<div>Sources :  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.fbf.fr\/fr\/communique_de_presse\/mise-en-place-par-les-banques-francaises-dun-dispositif-de-revue-des-credits-immobiliers-non-accordes\/\" rel=\"noopener\" target=\"_blank\">Actualit\u00e9 de la F\u00e9d\u00e9ration bancaire fran\u00e7aise du 1er f\u00e9vrier 2024 : \u00ab Mise en place par les banques fran\u00e7aises d\u2019un dispositif de revue des cr\u00e9dits immobiliers non accord\u00e9s \u00bb<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/comment-assurer-une-meilleure-comprehension-des-refus-de-credits-immobiliers\" target=\"_blank\" rel=\"noopener\">Comment assurer une meilleure compr\u00e9hension des refus de cr\u00e9dits immobiliers ?<\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/actualites\/images\/creditimmobilierefus.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>De nombreuses personnes souhaitant acqu\u00e9rir un bien immobilier voient leur projet tomber \u00e0 l\u2019eau en raison d\u2019un refus de cr\u00e9dit immobilier. Il arrive parfois que la raison de ce refus ne soit pas comprise. D\u2019o\u00f9 la cr\u00e9ation d\u2019un dispositif temporaire visant \u00e0 mettre fin \u00e0 cette incompr\u00e9hension\u2026<\/p>\n","protected":false},"author":0,"featured_media":9804,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-9803","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-le-coin-du-dirigeant"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment assurer une meilleure compr\u00e9hension des refus de cr\u00e9dits immobiliers ? - Cabinet Magar<\/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.cabinet-magar.fr\/actualites\/comment-assurer-une-meilleure-comprehension-des-refus-de-credits-immobiliers\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment assurer une meilleure compr\u00e9hension des refus de cr\u00e9dits immobiliers ? - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"De nombreuses personnes souhaitant acqu\u00e9rir un bien immobilier voient leur projet tomber \u00e0 l\u2019eau en raison d\u2019un refus de cr\u00e9dit immobilier. Il arrive parfois que la raison de ce refus ne soit pas comprise. 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