{"id":58417,"date":"2025-03-27T10:40:55","date_gmt":"2025-03-27T09:40:55","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=58417"},"modified":"2025-03-27T11:02:12","modified_gmt":"2025-03-27T10:02:12","slug":"cles-pour-comprendre-la-souscription-dun-pret-hypothecaire","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/fr\/2025\/03\/27\/cles-pour-comprendre-la-souscription-dun-pret-hypothecaire\/","title":{"rendered":"Cl\u00e9s pour comprendre la souscription d\u2019un pr\u00eat hypoth\u00e9caire"},"content":{"rendered":"\n<p><strong>La souscription d\u2019un pr\u00eat hypoth\u00e9caire sur le march\u00e9 immobilier<\/strong> espagnol a \u00e9t\u00e9 favoris\u00e9e ces derniers mois par un d\u00e9veloppement et une croissance importants, principalement impuls\u00e9s par la stabilit\u00e9 de l\u2019inflation. Cette situation a \u00e9t\u00e9 renforc\u00e9e par la d\u00e9cision de la Banque Centrale Europ\u00e9enne (BCE) de commencer \u00e0 r\u00e9duire les <a href=\"https:\/\/blog.urbanitae.com\/fr\/2025\/02\/25\/la-vente-de-logements-cloture-2024-avec-une-hausse-de-10-analyse-de-line-et-perspectives-pour-2025\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0325&amp;utm_term=taux_interet&amp;utm_content=fr_claves_contratacion_hipoteca\" target=\"_blank\" rel=\"noreferrer noopener\">taux d\u2019int\u00e9r\u00eat.<\/a><\/p>\n\n\n\n<p>Cette combinaison de facteurs a <strong>am\u00e9lior\u00e9 les conditions de financement<\/strong>, ouvrant un <strong>acc\u00e8s plus favorable au cr\u00e9dit<\/strong> et facilitant l\u2019achat de logements, qui a enregistr\u00e9 une <a href=\"https:\/\/blog.urbanitae.com\/fr\/2025\/02\/25\/la-vente-de-logements-cloture-2024-avec-une-hausse-de-10-analyse-de-line-et-perspectives-pour-2025\/?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0325&amp;utm_term=augmentation&amp;utm_content=fr_claves_contratacion_hipoteca\" target=\"_blank\" rel=\"noreferrer noopener\">augmentation de 5 % en 2024<\/a>, ainsi qu\u2019une hausse de 11,2 % des signatures de pr\u00eats hypoth\u00e9caires, atteignant un total de 423 761 contrats. Cependant, avant de souscrire un pr\u00eat, <strong>il est recommand\u00e9 de prendre en compte plusieurs aspects afin de faire le choix le plus judicieux.<\/strong><\/p>\n\n\n\n<p>Par exemple, la <a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/financiacion\/hipotecas\/guia-textual\/primerospasoscon\/Contratacion_de_la_hipoteca.html\" target=\"_blank\" rel=\"noreferrer noopener\">Banque d\u2019Espagne<\/a> recommande de bien conna\u00eetre toutes les conditions et d\u2019\u00e9valuer les co\u00fbts r\u00e9els et finaux impliqu\u00e9s dans le processus. Elle conseille \u00e9galement d\u2019examiner les mensualit\u00e9s et les \u00e9ventuelles am\u00e9liorations de conditions propos\u00e9es par les banques.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Que faut-il consid\u00e9rer avant la souscription d\u2019un pr\u00eat hypoth\u00e9caire ?<\/h2>\n\n\n\n<p>Avant d\u2019\u00e9valuer diff\u00e9rentes options, il est important de <strong>comprendre les aspects impliqu\u00e9s dans la souscription d\u2019un pr\u00eat hypoth\u00e9caire<\/strong>. Ce processus ne doit pas \u00eatre per\u00e7u comme une simple formalit\u00e9, car il repr\u00e9sente l\u2019une des d\u00e9cisions les plus importantes de notre vie. Il est donc essentiel de comprendre les concepts afin d\u2019\u00e9viter de choisir un produit qui ne correspond pas \u00e0 nos besoins r\u00e9els ou \u00e0 notre capacit\u00e9 financi\u00e8re.<\/p>\n\n\n\n<p>Dans cette optique, il est primordial de <strong>comparer et d\u2019\u00e9tudier<\/strong> attentivement toutes les options disponibles : une m\u00eame formule ne conviendra pas \u00e0 tout le monde, il est donc n\u00e9cessaire d\u2019effectuer des \u00e9tudes personnalis\u00e9es en fonction de la situation financi\u00e8re de chacun. Par ailleurs, il est recommand\u00e9 d\u2019analyser le co\u00fbt total, en comprenant toutes les d\u00e9penses et commissions incluses dans le processus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Diff\u00e9rents types de pr\u00eats hypoth\u00e9caires<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taux fixe.<\/strong> Ce type de pr\u00eat ne prend pas en compte l\u2019indice de l\u2019Euribor pour calculer son taux d\u2019int\u00e9r\u00eat, ni aucun autre indice de r\u00e9f\u00e9rence, ce qui le rend insensible aux variations de ces derniers. <strong>Le taux d\u2019int\u00e9r\u00eat est d\u00e9fini au moment de la signature<\/strong>, restant stable tout au long de la dur\u00e9e du pr\u00eat, et les mensualit\u00e9s ne peuvent \u00eatre modifi\u00e9es qu\u2019en cas de non-respect des conditions contractuelles. Actuellement, avec des taux encore positifs, le taux d\u2019int\u00e9r\u00eat moyen s\u2019\u00e9tablit \u00e0 3,25 % fin 2024, bien qu\u2019il puisse varier en fonction de l\u2019\u00e9tablissement et des bonifications applicables.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taux variable.<\/strong> Dans le cas des pr\u00eats hypoth\u00e9caires \u00e0 taux variable, <strong>le taux d\u2019int\u00e9r\u00eat \u00e9volue dans le temps en fonction de l\u2019\u00e9volution de l\u2019Euribor<\/strong>. Il est compos\u00e9 d\u2019un diff\u00e9rentiel fixe d\u00e9termin\u00e9 par chaque banque et exprim\u00e9 en pourcentage, qui s\u2019ajoute au taux d\u2019int\u00e9r\u00eat variable pour obtenir le taux annuel final. Ce type de pr\u00eat est souvent privil\u00e9gi\u00e9 dans un contexte de taux bas, car il offre g\u00e9n\u00e9ralement des conditions de souscription plus avantageuses qu\u2019un pr\u00eat \u00e0 taux fixe. Cependant, il est important de noter que le montant des mensualit\u00e9s variera en fonction de l\u2019\u00e9volution de l\u2019Euribor : si l\u2019indice est bas, cela sera b\u00e9n\u00e9fique, mais s\u2019il est \u00e9lev\u00e9, les mensualit\u00e9s pourraient doubler, entra\u00eenant d\u2019\u00e9ventuels probl\u00e8mes de liquidit\u00e9.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taux mixte.<\/strong> Ce type de pr\u00eat combine les deux pr\u00e9c\u00e9dents. Pendant la premi\u00e8re partie du pr\u00eat, <strong>les mensualit\u00e9s sont \u00e0 taux fixe, puis elles passent \u00e0 un taux variable.<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Frais et concepts cl\u00e9s<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>TIN or Nominal Interest Rate<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Also known as TIN, this is <strong>the cost that each bank charges for granting the loan over a specific period<\/strong>, excluding commissions or additional expenses. It is expressed as a percentage and is commonly associated with the TAE, although they are not the same. This figure is agreed upon in advance and remains fixed.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>TAE or Annual Equivalent Rate<\/strong><\/li>\n<\/ul>\n\n\n\n<p>A percentage indicator of the effective cost of the mortgage, which includes the interest that the buyer will have to pay. It serves to determine the real cost the buyer must bear, including commissions and additional expenses. This is a useful figure for comparing multiple mortgages, as all financial institutions must calculate it in the same way.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reference Index<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Euribor stands for \u00ab\u00a0European Interbank Offered Rate\u00a0\u00bb and is <strong>the reference index for most variable-rate mortgages<\/strong>. Its recent declines have been crucial in the real estate market, generating a positive outlook and making mortgage payments more affordable.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Opening Commissions<\/strong><\/li>\n<\/ul>\n\n\n\n<p>This commission <strong>is a percentage that some banks add to the total mortgage amount when granting it<\/strong>. In some cases, the property owner must cover this cost, which generally ranges between 0.1% and 2% of the loaned capital.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Repayment Term<\/strong><\/li>\n<\/ul>\n\n\n\n<p>This refers to the time period in which the loan is repaid, considering that <strong>it may vary depending on the financing agreement<\/strong>. In the case of a fixed-rate mortgage, the term is shorter, usually a maximum of 20 years, compared to variable-rate mortgages, which typically range from 30 to 40 years. There are several types: <strong>Partial early repayments<\/strong>, aimed at reducing the total debt or the number of years. By modifying the final amount on which the interest rate is calculated, the monthly installments are also adjusted and reduced. <strong>Total early repayments<\/strong>, which involve fully settling the outstanding debt. In both cases, any commissions generated by these actions must be considered.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mortgage Bonuses<\/strong><\/li>\n<\/ul>\n\n\n\n<p>This is one of the most important aspects when choosing a bank for a mortgage. It refers to <strong>a discount or bonus on the interest rate based on the banking products<\/strong> the borrower selects when contracting the mortgage. The bonus depends on the number of products contracted, such as life or home insurance, potentially leading to a significant reduction.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Appraisal Costs<\/strong><\/li>\n<\/ul>\n\n\n\n<p>The appraisal is an estimate<strong> to determine the value of the property,<\/strong> allowing the bank to assess the risk it assumes by granting the mortgage. If the appraisal is lower than the purchase price, the bank may reject or limit the loan amount, which could require the buyer to contribute more personal capital to the purchase. Conversely, if the appraisal exceeds the purchase price, the buyer may be able to obtain a loan covering up to 80% of the purchase price. The process is carried out by an appraisal company, and its cost is borne by the owner.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Registry Costs<\/strong><\/li>\n<\/ul>\n\n\n\n<p>These costs are paid to the Property Registrar, first for obtaining property information and second for registering the mortgage property. The bank assumes this cost following the enactment of <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2019-3814\" target=\"_blank\" rel=\"noreferrer noopener\">Law 5\/2019, dated March 15.<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Notary Costs<\/strong><\/li>\n<\/ul>\n\n\n\n<p>There are various types of notarial processes. When the contract is signed and structured\u2014meaning when the notary officially certifies the deeds and the mortgage loan\u2014the bank will cover the cost. If the owner requests a copy of the mortgage loan deed from the notary, they will have to bear the costs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Administrative Management Costs<\/strong><\/li>\n<\/ul>\n\n\n\n<p>This cost covers the registration of the property deed in the Property Registry. This step pertains purely to administrative procedures, and its cost is covered by the bank with which the mortgage is arranged.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Other Relevant Concepts<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Grace Period<\/strong><\/li>\n<\/ul>\n\n\n\n<p>This is the period during which<strong> the homeowner can make lower monthly payments after the mortgage has been formalized<\/strong>, paying only interest. It is typically used in cases of financial difficulty, although it is important to understand that interest will continue to accumulate, leading to increased debt.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Subrogation Commission<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Subrogation occurs when <strong>the homeowner decides to switch the bank<\/strong> with which the loan is contracted. This type of commission, which was a free process until 2025, is charged for the cancellation of the loan and must be paid to the previous financial institution.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La souscription de pr\u00eats hypoth\u00e9caires en Espagne a augment\u00e9 ces derniers mois, port\u00e9e par la stabilit\u00e9 de l&rsquo;inflation.<\/p>\n","protected":false},"author":1,"featured_media":58851,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1026],"tags":[1152,1887,987],"class_list":["post-58417","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement-immobilier-fr","tag-hypotheques","tag-inversion-inmobiliaria-fr","tag-logement"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cl\u00e9s pour comprendre la souscription d\u2019un pr\u00eat hypoth\u00e9caire - 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Key insights for understanding mortgage contracting. Cl\u00e9s pour comprendre la souscription d\u2019un pr\u00eat hypoth\u00e9caire. Questi sono i punti chiave per comprendere la stipula di un mutuo. Chaves para entender a contrata\u00e7\u00e3o de um empr\u00e9stimo hipotec\u00e1rio. 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