{"id":91500,"date":"2020-01-21T10:42:45","date_gmt":"2020-01-21T09:42:45","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=91500"},"modified":"2026-09-21T09:58:31","modified_gmt":"2026-09-21T07:58:31","slug":"acheter-une-maison-comptant-ou-demander-un-pret-immobilier","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/fr\/2020\/01\/21\/acheter-une-maison-comptant-ou-demander-un-pret-immobilier\/","title":{"rendered":"Acheter une maison comptant ou demander un pr\u00eat immobilier ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Payer un logement avec ses propres liquidit\u00e9s ou recourir \u00e0 un financement bancaire est l\u2019une des d\u00e9cisions financi\u00e8res les plus importantes lors de l\u2019acquisition d\u2019un bien immobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si disposer de l\u2019int\u00e9gralit\u00e9 du capital permet d\u2019\u00e9viter l\u2019endettement et d\u2019obtenir des remises importantes lors de la n\u00e9gociation, avoir recours \u00e0 l\u2019effet de levier au moyen d\u2019un pr\u00eat immobilier permet de conserver de la liquidit\u00e9 et d\u2019allouer une partie de l\u2019argent \u00e0 d\u2019autres investissements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, nous analysons en d\u00e9tail les <strong>avantages, les inconv\u00e9nients, les \u00e9conomies estim\u00e9es et l\u2019impact financier<\/strong> de chaque alternative afin de <a href=\"https:\/\/blog.urbanitae.com\/2021\/07\/06\/nada-de-imposibles-comprar-una-vivienda-en-solitario\/\" target=\"_blank\" rel=\"noreferrer noopener\">vous aider \u00e0 d\u00e9cider<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si cela peut sembler surprenant, un pourcentage significatif des <a href=\"https:\/\/www.lainformacion.com\/economia-negocios-y-finanzas\/comprar-vivienda-contado-sin-hipoteca\/6504222\/\" target=\"_blank\" rel=\"noreferrer noopener\">achats de logements en Espagne<\/a> est r\u00e9alis\u00e9 sans financement bancaire. Selon les donn\u00e9es du Conseil g\u00e9n\u00e9ral du Notariat, pr\u00e8s de <strong>52 % des acheteurs acqui\u00e8rent leur logement comptant<\/strong>, tandis que les <strong>48 % restants ont recours \u00e0 un pr\u00eat immobilier<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Avantages d\u2019acheter une maison comptant<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Payer imm\u00e9diatement la totalit\u00e9 du bien immobilier offre des avantages financiers importants :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pouvoir de n\u00e9gociation plus important :<\/strong> disposer de liquidit\u00e9s imm\u00e9diates permet d\u2019obtenir des remises comprises entre <strong>10 % et 20 %<\/strong> sur le prix de vente affich\u00e9, car le vendeur \u00e9vite l\u2019incertitude li\u00e9e \u00e0 l\u2019octroi du <a href=\"https:\/\/blog.urbanitae.com\/2021\/01\/05\/hipotecas-cual-es-la-que-mejor-se-adapta-a-ti\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00eat immobilier<\/a>.<\/li>\n\n\n\n<li><strong>\u00c9conomies sur les commissions et les frais de formalisation :<\/strong> les co\u00fbts associ\u00e9s au pr\u00eat sont \u00e9vit\u00e9s \u2014 frais d\u2019ouverture, estimation obligatoire pour la banque, frais d\u2019\u00e9tude ou remboursements anticip\u00e9s \u2014 ce qui peut repr\u00e9senter une \u00e9conomie suppl\u00e9mentaire allant jusqu\u2019\u00e0 <strong>2 %<\/strong> du capital.<\/li>\n\n\n\n<li><strong>\u00c9conomies sur les int\u00e9r\u00eats bancaires :<\/strong> en ne finan\u00e7ant pas l\u2019achat, le co\u00fbt financier total accumul\u00e9 pendant les 15, 20 ou 30 ans que dure g\u00e9n\u00e9ralement un pr\u00eat est \u00e9vit\u00e9.<\/li>\n\n\n\n<li><strong>Aucune obligation ni produit associ\u00e9 :<\/strong> il n\u2019existe aucune obligation de souscrire des assurances-vie, habitation ou des produits li\u00e9s pour ajuster le taux d\u2019int\u00e9r\u00eat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans l\u2019ensemble, selon la valeur du bien immobilier et la dur\u00e9e du pr\u00eat \u00e9vit\u00e9, acheter comptant peut repr\u00e9senter une <strong>\u00e9conomie allant jusqu\u2019\u00e0 35 % sur le co\u00fbt final<\/strong> du logement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Avantages de demander un pr\u00eat immobilier<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Opter pour un financement bancaire pr\u00e9sente des avantages strat\u00e9giques pour la gestion du patrimoine personnel :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pr\u00e9servation de la liquidit\u00e9 et du coussin de s\u00e9curit\u00e9 :<\/strong> cela permet de ne pas se d\u00e9capitaliser totalement, en conservant une marge \u00e9conomique pour les urgences ou les impr\u00e9vus.<\/li>\n\n\n\n<li><strong>Capacit\u00e9 de choix plus importante :<\/strong> cela permet d\u2019acc\u00e9der \u00e0 des logements de plus grande valeur ou situ\u00e9s dans de meilleurs emplacements, sans \u00eatre strictement limit\u00e9 \u00e0 l\u2019\u00e9pargne liquide disponible \u00e0 ce moment-l\u00e0.<\/li>\n\n\n\n<li><strong>Flexibilit\u00e9 pour rembourser par anticipation :<\/strong> m\u00eame avec un pr\u00eat \u00e0 long terme, l\u2019acheteur conserve la possibilit\u00e9 d\u2019effectuer des remboursements partiels ou totaux par anticipation lorsqu\u2019il dispose d\u2019exc\u00e9dents.<\/li>\n\n\n\n<li><strong>Co\u00fbt d\u2019opportunit\u00e9 du capital :<\/strong> conserver de la liquidit\u00e9 permet d\u2019allouer ce capital \u00e0 des investissements alternatifs offrant un rendement sup\u00e9rieur au co\u00fbt du pr\u00eat immobilier.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. Comparatif rapide : paiement comptant vs pr\u00eat immobilier<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Facteur<\/th><th>Acheter comptant<\/th><th>Acheter avec un pr\u00eat immobilier<\/th><\/tr><\/thead><tbody><tr><td>Remise commerciale<\/td><td>\u00c9lev\u00e9e \u2014 10 %-20 % en n\u00e9gociation<\/td><td>Habituelle \/ prix de march\u00e9<\/td><\/tr><tr><td>Co\u00fbt des int\u00e9r\u00eats<\/td><td>0 \u20ac<\/td><td>Variable selon le taux et la dur\u00e9e<\/td><\/tr><tr><td>Liquidit\u00e9 apr\u00e8s l\u2019achat<\/td><td>R\u00e9duite \u2014 capital immobilis\u00e9<\/td><td>Pr\u00e9serv\u00e9e<\/td><\/tr><tr><td>D\u00e9marches et obligations<\/td><td>Minimales<\/td><td>Obligations exig\u00e9es \u2014 assurances, domiciliation des revenus<\/td><\/tr><tr><td>Co\u00fbt d\u2019opportunit\u00e9<\/td><td>\u00c9lev\u00e9 \u2014 le capital ne peut pas \u00eatre investi<\/td><td>Faible \u2014 permet de diversifier dans d\u2019autres actifs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">4. Quelle option vous convient le mieux ?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Acheter comptant peut vous convenir si<\/strong> : vous privil\u00e9giez la tranquillit\u00e9 financi\u00e8re de ne pas avoir de dettes, vous recherchez la rentabilit\u00e9 directe maximale gr\u00e2ce aux \u00e9conomies de co\u00fbts et vous disposez de liquidit\u00e9s suffisantes sans mettre en danger votre coussin d\u2019urgence.<\/li>\n\n\n\n<li><strong>Demander un pr\u00eat immobilier peut vous convenir si<\/strong> : vous souhaitez pr\u00e9server votre liquidit\u00e9, les taux d\u2019int\u00e9r\u00eat sont comp\u00e9titifs ou vous cherchez \u00e0 allouer votre exc\u00e9dent de capital \u00e0 des investissements dont le rendement d\u00e9passe le taux d\u2019int\u00e9r\u00eat du pr\u00eat.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019existe pas de r\u00e9ponse universelle : la d\u00e9cision d\u2019acheter une maison comptant ou de demander un pr\u00eat immobilier d\u00e9pend de la capacit\u00e9 d\u2019\u00e9pargne, de la tol\u00e9rance au risque et des opportunit\u00e9s d\u2019investissement alternatives disponibles. Pour de nombreux profils, une strat\u00e9gie mixte \u2014 apporter un apport \u00e9lev\u00e9 afin de r\u00e9duire la mensualit\u00e9 et les int\u00e9r\u00eats sans se d\u00e9capitaliser compl\u00e8tement \u2014 repr\u00e9sente le point d\u2019\u00e9quilibre id\u00e9al.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Questions fr\u00e9quentes<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Combien d\u2019argent peut-on \u00e9conomiser en achetant une maison comptant ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e9conomie moyenne peut atteindre jusqu\u2019\u00e0 35 % du co\u00fbt total du bien immobilier, en additionnant la remise obtenue lors de la n\u00e9gociation d\u2019achat \u2014 10 %-20 % \u2014, les \u00e9conomies sur les frais bancaires et l\u2019absence de paiement d\u2019int\u00e9r\u00eats \u00e0 long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quel pourcentage de logements est achet\u00e9 comptant en Espagne ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Selon les donn\u00e9es du Conseil g\u00e9n\u00e9ral du Notariat, environ 52 % des achats de logements sont formalis\u00e9s comptant, contre 48 % qui ont recours \u00e0 un pr\u00eat immobilier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Est-il recommand\u00e9 de se d\u00e9capitaliser compl\u00e8tement pour payer comptant ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce n\u2019est pas recommand\u00e9. Les experts financiers recommandent de toujours conserver un fonds d\u2019urgence \u00e9quivalent \u00e0 3 \u00e0 6 mois de d\u00e9penses avant d\u2019allouer du capital \u00e0 un achat immobilier.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acheter une maison comptant peut \u00e9conomiser des int\u00e9r\u00eats et am\u00e9liorer la n\u00e9gociation, mais r\u00e9duit la liquidit\u00e9. Demander un pr\u00eat permet de garder du capital disponible et de diversifier, m\u00eame s\u2019il ajoute des co\u00fbts financiers et des produits li\u00e9s.<\/p>\n","protected":false},"author":1,"featured_media":15748,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1026],"tags":[1152,987,1937],"class_list":["post-91500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement-immobilier-fr","tag-hypotheques","tag-logement","tag-secteur-residentiel"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Acheter une maison comptant ou avec un pr\u00eat : que choisir ?<\/title>\n<meta name=\"description\" content=\"Acheter une maison comptant ou demander un pr\u00eat ? 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