{"id":1307982,"date":"2026-03-30T16:50:38","date_gmt":"2026-03-30T13:50:38","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=1307982"},"modified":"2026-03-30T17:22:19","modified_gmt":"2026-03-30T14:22:19","slug":"residents-of-the-valencian-community-under-45-can-buy-a-home-with-a-100-percent-mortgage","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/fr\/articles\/residents-of-the-valencian-community-under-45-can-buy-a-home-with-a-100-percent-mortgage","title":{"rendered":"Les r\u00e9sidents de la Communaut\u00e9 valencienne \u00e2g\u00e9s de moins de 45 ans peuvent acheter un logement avec un pr\u00eat hypoth\u00e9caire \u00e0 100 %"},"content":{"rendered":"<p>Le principal obstacle \u00e0 l\u2019<a href=\"https:\/\/alegria-realestate.com\/fr\/service\/buying-property-in-spain-as-a-foreigner\">achat d\u2019un logement<\/a> avec recours au <a href=\"https:\/\/alegria-realestate.com\/fr\/articles\/mortgage-in-spain-in-2025-complete-guide\">cr\u00e9dit hypoth\u00e9caire<\/a> n\u2019est g\u00e9n\u00e9ralement pas la mensualit\u00e9, mais l\u2019apport initial. En r\u00e8gle g\u00e9n\u00e9rale, les banques financent jusqu\u2019\u00e0 80 % de la valeur du bien, ce qui oblige l\u2019acheteur \u00e0 disposer d\u2019une \u00e9pargne couvrant les 20 % restants, ainsi que des fonds n\u00e9cessaires pour les frais annexes. En 2026, le gouvernement de la Communaut\u00e9 valencienne a d\u00e9cid\u00e9 d\u2019intervenir sur ce point cl\u00e9.<\/p>\n<p>Les autorit\u00e9s autonomes ont \u00e9largi le programme de garanties de l\u2019Institut valencien des finances (IVF) afin que les jeunes et les adultes de moins de 45 ans puissent obtenir des pr\u00eats hypoth\u00e9caires couvrant 100 % de la valeur du logement. C\u2019est ce qu\u2019a annonc\u00e9 le chef du gouvernement, Juanfran P\u00e9rez Llorca, qui a confirm\u00e9 l\u2019augmentation de la garantie r\u00e9gionale de 15 % \u00e0 20 % de la valeur du logement, ce qui permet aux banques de financer l\u2019int\u00e9gralit\u00e9 du montant.<\/p>\n<h2>Comment fonctionne le programme<\/h2>\n<p>Autrement dit :<\/p>\n<ul>\n<li>la banque accorde 100 % de la valeur du bien immobilier ;<\/li>\n<li>le gouvernement autonome garantit jusqu\u2019\u00e0 20 % ;<\/li>\n<li>l\u2019acheteur n\u2019a pas besoin de verser d\u2019apport initial ;<\/li>\n<li>le programme est gratuit aussi bien pour le b\u00e9n\u00e9ficiaire que pour la banque partenaire.<\/li>\n<\/ul>\n<p>Le programme permet d\u2019acqu\u00e9rir aussi bien des logements <a href=\"https:\/\/alegria-realestate.com\/fr\/sale\/new-buildings\">neufs<\/a> que des <a href=\"https:\/\/alegria-realestate.com\/fr\/sale\">logements de revente<\/a>, ainsi que des maisons mises en vente libre ou construites dans le cadre du programme public de logement social et de la promotion priv\u00e9e. Toutefois, le bien doit \u00eatre destin\u00e9 \u00e0 la r\u00e9sidence principale. En outre, le prix maximum autoris\u00e9 a \u00e9t\u00e9 relev\u00e9 \u00e0 311 000 euros, ce qui \u00e9largit l\u2019\u00e9ventail des biens pouvant \u00eatre inclus dans le programme.<\/p>\n<h2>Qui peut obtenir la garantie de l\u2019IVF<\/h2>\n<p>Pour obtenir une garantie de l\u2019IVF pour l\u2019achat d\u2019un logement dans les provinces d\u2019<a href=\"https:\/\/alegria-realestate.com\/fr\/sale\/alicante\">Alicante<\/a>, de <a href=\"https:\/\/alegria-realestate.com\/fr\/sale\/valencia\">Valence<\/a> ou de Castell\u00f3n, les demandeurs doivent remplir les conditions suivantes :<\/p>\n<ol>\n<li>Au moment du d\u00e9p\u00f4t de la demande, l\u2019\u00e2ge doit \u00eatre compris entre 18 et 45 ans inclus. La limite d\u2019\u00e2ge ne s\u2019applique pas si l\u2019un des acheteurs r\u00e9sidait dans une commune touch\u00e9e par la catastrophe naturelle DANA du 29 octobre 2024.<\/li>\n<li>Il est n\u00e9cessaire de justifier d\u2019une r\u00e9sidence continue et ininterrompue dans la Communaut\u00e9 valencienne pendant les deux ann\u00e9es pr\u00e9c\u00e9dant la demande.<\/li>\n<li>Il ne faut pas \u00eatre propri\u00e9taire d\u2019un autre logement en Espagne, sauf lorsque le propri\u00e9taire d\u00e9tient une part inf\u00e9rieure \u00e0 50 % ; ou, apr\u00e8s un divorce, il ne s\u2019est pas vu attribuer le droit d\u2019usage du logement familial ; ou lorsqu\u2019un tiers dispose d\u2019un droit d\u2019usage.<\/li>\n<li>Il est n\u00e9cessaire d\u2019avoir la nationalit\u00e9 espagnole, la nationalit\u00e9 d\u2019un autre pays de l\u2019UE ou une autorisation de s\u00e9jour l\u00e9gal lorsqu\u2019il s\u2019agit de ressortissants de pays tiers.<\/li>\n<li>Le demandeur doit disposer d\u2019une offre de financement \u00e9mise par un \u00e9tablissement financier participant au programme.<\/li>\n<li>Il est n\u00e9cessaire de ne pas avoir de dettes envers le gouvernement de la Communaut\u00e9 valencienne, \u00e0 l\u2019exception des paiements diff\u00e9r\u00e9s ou suspendus.<\/li>\n<\/ol>\n<h2>Comment d\u00e9poser une demande<\/h2>\n<p>Le processus d\u2019obtention de cette aide ne commence pas \u00e0 la banque, mais aupr\u00e8s de l\u2019IVF. Tout d\u2019abord, la personne int\u00e9ress\u00e9e obtient une offre hypoth\u00e9caire d\u2019un \u00e9tablissement partenaire. Ensuite, une demande est d\u00e9pos\u00e9e avec les documents sur le site \u00e9lectronique de l\u2019IVF, o\u00f9 la conformit\u00e9 \u00e0 toutes les exigences est v\u00e9rifi\u00e9e. Si la demande est approuv\u00e9e, une d\u00e9cision d\u2019octroi de la garantie est \u00e9mise, ce qui est communiqu\u00e9 \u00e0 la fois au demandeur et \u00e0 la banque choisie.<\/p>\n<p>Les demandes peuvent \u00eatre d\u00e9pos\u00e9es apr\u00e8s la publication officielle au Diari Oficial de la Generalitat Valenciana.<\/p>\n<h2>Ce qu\u2019il est important de prendre en compte<\/h2>\n<p>Bien que la garantie permette d\u2019acc\u00e9der \u00e0 100 % de la valeur du bien, il faut tenir compte du fait qu\u2019elle ne couvre pas les <a href=\"https:\/\/alegria-realestate.com\/fr\/articles\/expenses-and-taxes-when-buying-a-home\">frais annexes<\/a> (taxes, notaire, enregistrement), qu\u2019elle ne garantit pas l\u2019octroi automatique du pr\u00eat (la banque doit approuver l\u2019op\u00e9ration) et qu\u2019elle ne remplace pas la solvabilit\u00e9 financi\u00e8re de l\u2019acheteur.<\/p>\n<p>Dans un contexte de hausse des prix de l\u2019immobilier et de difficult\u00e9 \u00e0 \u00e9pargner ne serait-ce qu\u2019un apport de 20 %, le programme supprime le principal obstacle \u00e0 l\u2019acc\u00e8s au logement. Pour ceux qui remplissent les conditions, cela peut faire la diff\u00e9rence entre continuer \u00e0 payer un loyer et <a href=\"https:\/\/alegria-realestate.com\/fr\/service\/find-property-in-spain\">acheter un logement<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Le principal obstacle \u00e0 l\u2019achat d\u2019un logement avec recours\u2026<\/p>\n","protected":false},"author":34,"featured_media":1307984,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1307982","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les r\u00e9sidents de la Communaut\u00e9 valencienne de moins de 45 ans peuvent acheter un logement avec un pr\u00eat immobilier \u00e0 100%<\/title>\n<meta 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