{"id":95732,"date":"2026-04-08T09:38:00","date_gmt":"2026-04-08T09:38:00","guid":{"rendered":"https:\/\/www.immosol.com\/?p=95732"},"modified":"2026-04-08T09:38:06","modified_gmt":"2026-04-08T09:38:06","slug":"hipotecas-antes-comprar-vivienda","status":"publish","type":"post","link":"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/","title":{"rendered":"Hypoth\u00e8ques : tout ce qu'il faut savoir avant d'acheter un logement"},"content":{"rendered":"<p><a href=\"https:\/\/www.immosol.com\/fr\/comprar-una-casa-todo-lo-que-tienes-que-saber\/\"><strong>Acheter une propri\u00e9t\u00e9 sur la Costa Blanca<\/strong><\/a> est l'une des d\u00e9cisions les plus importantes (et les plus passionnantes) que vous puissiez prendre. Le climat, la qualit\u00e9 de vie et les investissements font de cette r\u00e9gion un choix id\u00e9al. Cependant, pour de nombreux acheteurs, le processus consiste \u00e0 demander un permis de construire. <strong>hypoth\u00e8que<\/strong>, et il est essentiel d'en comprendre le fonctionnement pour prendre la meilleure d\u00e9cision.<\/p>\n\n\n\n<p>Dans cet article, nous vous expliquons tout ce que vous devez savoir.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#%C2%BFQue_saber_antes_de_pedir_una_hipoteca\" >Que faut-il savoir avant de contracter un pr\u00eat hypoth\u00e9caire ?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Capacidad_de_endeudamiento\" >Capacit\u00e9 d'endettement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Ahorros_previos\" >Economies pr\u00e9c\u00e9dentes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Tipo_de_hipoteca\" >Type d'hypoth\u00e8que<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Estabilidad_laboral\" >Stabilit\u00e9 de l'emploi<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#%C2%BFMe_conviene_una_hipoteca_o_comprar_al_contado\" >Dois-je contracter un pr\u00eat hypoth\u00e9caire ou acheter au comptant ?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Ventajas_de_la_hipoteca\" >Avantages de l'hypoth\u00e8que<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Ventajas_de_comprar_al_contado\" >Avantages de l'achat au comptant<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Hipotecas_para_vivienda_de_obra_nueva\" >Hypoth\u00e8ques pour les nouveaux logements<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Financiacion_durante_la_construccion\" >Financement pendant la construction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Condiciones_favorables\" >Conditions favorables<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Mayor_seguridad_juridica\" >Une plus grande s\u00e9curit\u00e9 juridique<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.immosol.com\/fr\/hipotecas-antes-comprar-vivienda\/#Todo_listo_para_dar_el_paso_hacia_tu_nueva_vivienda\" >Pr\u00eat \u00e0 franchir le pas vers votre nouvelle maison<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_saber_antes_de_pedir_una_hipoteca\"><\/span>Que faut-il savoir avant de contracter un pr\u00eat hypoth\u00e9caire ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Avant <strong>demande de pr\u00eat hypoth\u00e9caire<\/strong>, Si vous n'\u00eates pas dans une situation financi\u00e8re, il est essentiel d'analyser votre situation financi\u00e8re et de conna\u00eetre certains aspects cl\u00e9s :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Capacidad_de_endeudamiento\"><\/span>Capacit\u00e9 d'endettement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les banques recommandent g\u00e9n\u00e9ralement que vos mensualit\u00e9s ne d\u00e9passent pas 30-35% de vos revenus. Cela vous permettra de maintenir une \u00e9conomie saine.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ahorros_previos\"><\/span>Economies pr\u00e9c\u00e9dentes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>En r\u00e8gle g\u00e9n\u00e9rale, vous devrez disposer d'au moins 20% de la valeur du bien (la plupart des institutions finan\u00e7ant jusqu'\u00e0 80%), plus 10-15% pour les frais (taxes, notaire, registre, etc.).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipo_de_hipoteca\"><\/span>Type d'hypoth\u00e8que<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Il en existe principalement trois types :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hypoth\u00e8que fixe<\/strong>des versements stables pendant toute la dur\u00e9e du pr\u00eat.<\/li>\n\n\n\n<li><strong>Hypoth\u00e8que variable<\/strong>Le taux d'int\u00e9r\u00eat : il d\u00e9pend de l'Euribor, il peut augmenter ou diminuer.<\/li>\n\n\n\n<li><strong>Hypoth\u00e8que mixte<\/strong>combine les deux.<\/li>\n<\/ul>\n\n\n\n<p>Le choix d\u00e9pend de votre profil et de votre tol\u00e9rance au risque.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Estabilidad_laboral\"><\/span>Stabilit\u00e9 de l'emploi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les institutions appr\u00e9cient particuli\u00e8rement les contrats \u00e0 dur\u00e9e ind\u00e9termin\u00e9e ou les revenus stables, bien qu'il existe \u00e9galement des options pour les travailleurs ind\u00e9pendants ou les acheteurs internationaux.<\/p>\n\n\n\n<p>Au <a href=\"https:\/\/www.immosol.com\/fr\/\"><strong>Immosol<\/strong><\/a>, Nous accompagnons nos clients dans ce processus, en facilitant les contacts avec les institutions financi\u00e8res qui offrent des conditions comp\u00e9titives.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"%C2%BFMe_conviene_una_hipoteca_o_comprar_al_contado\"><\/span>Dois-je contracter un pr\u00eat hypoth\u00e9caire ou acheter au comptant ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>L'un des doutes les plus fr\u00e9quents est de savoir s'il est pr\u00e9f\u00e9rable de financer l'achat par un pr\u00eat hypoth\u00e9caire ou de payer comptant. <a href=\"https:\/\/www.immosol.com\/fr\/como-comprar-una-casa-sin-hipoteca-immosol\/\"><strong>acheter sans hypoth\u00e8que<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_de_la_hipoteca\"><\/span>Avantages de l'hypoth\u00e8que<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Il permet d'acc\u00e9der au logement sans disposer du capital total.<\/li>\n\n\n\n<li>Vous conservez des liquidit\u00e9s pour d'autres investissements ou pour faire face \u00e0 des impr\u00e9vus.<\/li>\n\n\n\n<li>Dans certains cas, il peut \u00eatre fiscalement int\u00e9ressant (selon le pays de r\u00e9sidence).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_de_comprar_al_contado\"><\/span>Avantages de l'achat au comptant<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vous \u00e9vitez les int\u00e9r\u00eats et les frais financiers.<\/li>\n\n\n\n<li>Processus d'achat plus rapide et plus simple.<\/li>\n\n\n\n<li>Un plus grand pouvoir de n\u00e9gociation sur les prix.<\/li>\n<\/ul>\n\n\n\n<p>Dans des r\u00e9gions telles que la Costa Blanca, <strong>De nombreux acheteurs internationaux optent pour une combinaison des deux strat\u00e9gies : une partie au comptant et une partie financ\u00e9e.<\/strong>. La d\u00e9cision d\u00e9pendra de votre situation personnelle, de vos objectifs financiers et de votre profil d'investissement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Hipotecas_para_vivienda_de_obra_nueva\"><\/span>Hypoth\u00e8ques pour les nouveaux logements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Si vous envisagez d'acheter un bien immobilier neuf, tel qu'une maison neuve, comme le <a href=\"https:\/\/www.immosol.com\/fr\/promociones\/\"><strong>Promotions Immosol<\/strong><\/a>, Si vous n'avez pas d'hypoth\u00e8que, vous devez tenir compte de certaines particularit\u00e9s de l'hypoth\u00e8que :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financiacion_durante_la_construccion\"><\/span>Financement pendant la construction<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dans de nombreux cas, les paiements sont \u00e9chelonn\u00e9s pendant la construction de la maison. L'hypoth\u00e8que est g\u00e9n\u00e9ralement formalis\u00e9e \u00e0 la fin, au moment de la remise de la maison.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Condiciones_favorables\"><\/span>Conditions favorables<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les institutions financi\u00e8res offrent g\u00e9n\u00e9ralement de bonnes conditions pour les nouvelles constructions, en particulier si le projet a d\u00e9j\u00e0 fait l'objet d'accords avec des banques.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mayor_seguridad_juridica\"><\/span>Une plus grande s\u00e9curit\u00e9 juridique<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les logements nouvellement construits b\u00e9n\u00e9ficient de garanties, de certifications \u00e9nerg\u00e9tiques et sont conformes aux r\u00e9glementations en vigueur, ce qui a \u00e9galement une influence positive sur l'octroi d'un pr\u00eat hypoth\u00e9caire.<\/p>\n\n\n\n<p>En outre, <strong>chez Immosol, nous vous aidons \u00e0 g\u00e9rer l'ensemble du processus<\/strong>, de la r\u00e9servation \u00e0 la signature, afin que l'achat de votre maison soit une exp\u00e9rience confortable et s\u00fbre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Todo_listo_para_dar_el_paso_hacia_tu_nueva_vivienda\"><\/span>Pr\u00eat \u00e0 franchir le pas vers votre nouvelle maison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Demande de pr\u00eat hypoth\u00e9caire<\/strong> ne doit pas \u00eatre compliqu\u00e9e si vous disposez des bonnes informations et des bons conseils. Analyser sa situation, comparer les options et s'appuyer sur des professionnels fera toute la diff\u00e9rence.<\/p>\n\n\n\n<p>Si vous envisagez d'acheter une propri\u00e9t\u00e9 sur la Costa Blanca, <a href=\"https:\/\/www.immosol.com\/fr\/contacto\/\"><strong>Immosol se fera un plaisir de vous aider<\/strong><\/a> pour trouver la meilleure option pour vous et vous accompagner tout au long du processus.<\/p>","protected":false},"excerpt":{"rendered":"<p>D\u00e9couvrez tout ce que vous devez savoir sur les pr\u00eats hypoth\u00e9caires avant d'acheter une maison. Conseils, taux et financement pour les nouvelles constructions.<\/p>","protected":false},"author":14,"featured_media":95736,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-95732","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-costa-blanca-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hipotecas: claves antes de comprar tu vivienda - Immosol | Promotora inmobiliaria en la Costa Blanca<\/title>\n<meta name=\"description\" content=\"Descubre todo lo que debes saber sobre una hipoteca antes de comprar vivienda. 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