{"id":3807,"date":"2022-03-22T09:23:45","date_gmt":"2022-03-22T09:23:45","guid":{"rendered":"https:\/\/marel.azorned.com\/?p=3807"},"modified":"2026-06-24T13:19:21","modified_gmt":"2026-06-24T13:19:21","slug":"hypotheque","status":"publish","type":"post","link":"https:\/\/marel.azorned.com\/fr\/property\/mortgage\/","title":{"rendered":"Hypoth\u00e8que"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3807\" class=\"elementor elementor-3807\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-748e33d elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"748e33d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ddf9545\" data-id=\"ddf9545\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a4d5d1 elementor-widget elementor-widget-image\" data-id=\"3a4d5d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/marel.azorned.com\/wp-content\/uploads\/elementor\/thumbs\/KYVV3688_v2-rlp9c55wa6wz2v16kupui6rdhjazlx74laluyv2qh4.jpg\" title=\"Brummas\u00a9 2026\" alt=\"Brummas\u00a9 2026\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b28a36b elementor-widget elementor-widget-text-editor\" data-id=\"b28a36b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bien que pour beaucoup ce ne soit pas un probl\u00e8me, m\u00eame si vous y pensez, vous devrez vous demander si une hypoth\u00e8que est souhaitable pour un bien immobilier. Il n\u2019est g\u00e9n\u00e9ralement pas facile d\u2019obtenir une hypoth\u00e8que dans le pays d\u2019origine pour un bien immobilier \u00e0 l\u2019\u00e9tranger, m\u00eame si l\u2019on souhaite l\u2019utiliser comme r\u00e9sidence principale (semi-)permanente. Les options sont g\u00e9n\u00e9ralement limit\u00e9es en pourcentage du capital, et alors seulement avec (la valeur exc\u00e9dentaire de) biens immobiliers dans le pays d\u2019origine en garantie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0872276 elementor-widget elementor-widget-spacer\" data-id=\"0872276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ece57d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"ece57d8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2f81166\" data-id=\"2f81166\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-175e1e7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"175e1e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db40083 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"db40083\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\"Une strat\u00e9gie courante est donc d\u2019acheter un bien sans hypoth\u00e8que et d\u2019aborder la reconstruction ou la r\u00e9novation par phases, si n\u00e9cessaire sur plusieurs ann\u00e9es.\"<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbd053c elementor-widget elementor-widget-image\" data-id=\"bbd053c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/marel.azorned.com\/wp-content\/uploads\/elementor\/thumbs\/MORR9354_v1-rmfmej9znhsjxcna9vh2je6bzhrs27pu8tocmluen4.jpg\" title=\"Brummas\u00a9 2026\" alt=\"Brummas\u00a9 2026\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffc73fa elementor-widget elementor-widget-spacer\" data-id=\"ffc73fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eab2aa elementor-widget elementor-widget-text-editor\" data-id=\"5eab2aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Une hypoth\u00e8que locale est \u00e9galement peu courante, sauf si vous vous installez d\u00e9finitivement sur place, mais encore une fois, selon la valeur de la garantie, ce n\u2019est pas impossible. Il faudra justifier de revenus fixes et d\u2019actifs pertinents. Contrairement \u00e0 ce dont vous avez l\u2019habitude, les hypoth\u00e8ques locales sont g\u00e9n\u00e9ralement accord\u00e9es sur la base de l\u2019Euribor, et le taux d\u2019int\u00e9r\u00eat fluctue donc avec le march\u00e9. Ce n\u2019est pas toujours une perspective attractive.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52cb62f elementor-widget elementor-widget-spacer\" data-id=\"52cb62f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82e82c4 elementor-widget elementor-widget-image\" data-id=\"82e82c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/marel.azorned.com\/wp-content\/uploads\/elementor\/thumbs\/IMG_0100_v1-scaled-rmmf90tc78heoxke3i0g907yq5klvcbxzeq79wdcps.jpg\" title=\"Brummas\u00a9 2026\" alt=\"Brummas\u00a9 2026\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-812c570 elementor-widget elementor-widget-spacer\" data-id=\"812c570\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba1bc32 elementor-widget elementor-widget-text-editor\" data-id=\"ba1bc32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Une strat\u00e9gie courante est donc d\u2019acheter un bien sans hypoth\u00e8que et d\u2019aborder la reconstruction ou la r\u00e9novation par phases, si n\u00e9cessaire sur plusieurs ann\u00e9es.<\/p><p>La m\u00e9thode la plus pratique est de commencer par rendre au moins une partie du bien habitable pendant les travaux, afin qu\u2019un s\u00e9jour agr\u00e9able sur place soit toujours possible. Puis de r\u00e9aliser la suite des travaux (par phases) \u00e0 partir de cette base.<\/p><p>Si une approche par phases sur plusieurs ann\u00e9es est envisag\u00e9e, il est important que chaque phase aboutisse \u00e0 un point interm\u00e9diaire ou final logique dans la reconstruction. Une bonne reconstruction doit d\u2019abord se concentrer sur la mise hors d\u2019eau et hors d\u2019air de la fondation, des murs et du toit, l\u2019isolation contre l\u2019humidit\u00e9 et la pose des fen\u00eatres. Pour le reste, vous pouvez prendre votre temps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"property\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1647941025\"\r\n\t            data-title=\"Mortgage\" \r\n\t            data-home=\"https:\/\/marel.azorned.com\/fr\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Bien que pour beaucoup ce ne soit pas un probl\u00e8me, m\u00eame si vous y pensez, vous devrez vous demander si une hypoth\u00e8que est souhaitable pour un bien immobilier ...<\/p>","protected":false},"author":3,"featured_media":10008,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[64],"tags":[94],"class_list":["post-3807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property","tag-en"],"_links":{"self":[{"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/posts\/3807","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/comments?post=3807"}],"version-history":[{"count":40,"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/posts\/3807\/revisions"}],"predecessor-version":[{"id":12068,"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/posts\/3807\/revisions\/12068"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/media\/10008"}],"wp:attachment":[{"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/media?parent=3807"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/categories?post=3807"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/marel.azorned.com\/fr\/wp-json\/wp\/v2\/tags?post=3807"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}