{"id":226583,"date":"2020-09-18T13:01:40","date_gmt":"2020-09-18T10:01:40","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=226583"},"modified":"2025-08-14T21:24:52","modified_gmt":"2025-08-14T18:24:52","slug":"mortgage-rate-in-spain","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/fr\/articles\/mortgage-rate-in-spain","title":{"rendered":"Taux hypoth\u00e9caire en Espagne"},"content":{"rendered":"<p>Malgr\u00e9 la crise, l&#39;immobilier en Espagne continue d&#39;\u00eatre achet\u00e9 et vendu. L&#39;immobilier de vill\u00e9giature sur la Costa Blanca, la Costa Calida et la Costa de Valencia est toujours tr\u00e8s demand\u00e9. Les futurs propri\u00e9taires de biens immobiliers espagnols sont press\u00e9s d&#39;acheter pour diverses raisons: r\u00e9aliser leur r\u00eave de longue date d&#39;une maison en bord de mer, demander<a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/residence-permit-in-spain-when-buying-property\">un permis de s\u00e9jour lors de l&#39;achat d&#39;une propri\u00e9t\u00e9<\/a> , ou m\u00eame obtenir un <a href=\"https:\/\/alegria-realestate.com\/ru\/golden-visa-in-spain\">Golden Visa<\/a> afin pouvoir voler vers l&#39;Espagne \u00e0 tout moment, mais ne pas \u00eatre oblig\u00e9 d&#39;y vivre en permanence. Une partie des transactions d&#39;achat et de vente est effectu\u00e9e en esp\u00e8ces et une partie &#8211; avec la participation de fonds emprunt\u00e9s. <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/opening-a-bank-account-in-spain\">Les banques espagnoles<\/a> , en relation avec la situation actuelle dans le pays, ont modifi\u00e9 le syst\u00e8me d&#39;\u00e9mission de pr\u00eats hypoth\u00e9caires, r\u00e9duisant le nombre d&#39;options et de taux, tout en simplifiant le processus d&#39;enregistrement et en ajoutant la possibilit\u00e9 de parcourir presque l&#39;int\u00e9gralit\u00e9 proc\u00e9dure \u00e0 distance. Nous avons d\u00e9crit en d\u00e9tail les types de taux d&#39;int\u00e9r\u00eat et les conditions des pr\u00eats hypoth\u00e9caires dans l&#39;article <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/mortgages-in-spain-for-non-residents\">Hypoth\u00e8ques en Espagne pour les non-r\u00e9sidents<\/a> . Et dans cet article, en utilisant l&#39;exemple des principales banques commerciales, nous montrerons quel taux hypoth\u00e9caire en Espagne est valable en septembre 2020.<\/p>\n<h2> Taux hypoth\u00e9caires flottants en Espagne en septembre 2020 <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-226588\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/spanish-mortgage-refunds.jpg\" alt=\"Taux hypoth\u00e9caire en Espagne\" width=\"800\" height=\"430\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/spanish-mortgage-refunds.jpg 1000w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/spanish-mortgage-refunds-300x161.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/spanish-mortgage-refunds-768x413.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/> L&#39;hypoth\u00e8que \u00e0 taux variable en Espagne est faible et, par cons\u00e9quent, les pr\u00eats hypoth\u00e9caires assortis sont tr\u00e8s demand\u00e9s. En r\u00e8gle g\u00e9n\u00e9rale, le taux variable est li\u00e9 \u00e0 l&#39;EURIBOR. <strong>Banque Santander\u00a0:<\/strong><\/p>\n<ul>\n<li> 1,59 % la premi\u00e8re ann\u00e9e de l&#39;hypoth\u00e8que et EURIBOR + 1,79 % \u00e0 partir de la deuxi\u00e8me ann\u00e9e de l&#39;hypoth\u00e8que ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 25 ans pour une r\u00e9sidence secondaire et jusqu&#39;\u00e0 30 ans pour une r\u00e9sidence principale ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 70% de la valeur d&#39;expertise du bien pour la r\u00e9sidence secondaire et jusqu&#39;\u00e0 80% de la valeur d&#39;expertise du bien pour la r\u00e9sidence principale.<\/li>\n<\/ul>\n<p> <strong>Banque Sabadell\u00a0:<\/strong><\/p>\n<ul>\n<li> 3,50 % la premi\u00e8re ann\u00e9e de l&#39;hypoth\u00e8que et EURIBOR + 2,45 % \u00e0 partir de la deuxi\u00e8me ann\u00e9e de l&#39;hypoth\u00e8que ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans.<\/li>\n<\/ul>\n<p> <strong>banque\u00a0:<\/strong><\/p>\n<ul>\n<li> De 1,99% la premi\u00e8re ann\u00e9e de l&#39;hypoth\u00e8que et de EURIBOR + 0,99% \u00e0 partir de la deuxi\u00e8me ann\u00e9e de l&#39;hypoth\u00e8que ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 80% de la valeur marchande de l&#39;objet.<\/li>\n<\/ul>\n<p> <strong>ING\u00a0:<\/strong><\/p>\n<ul>\n<li> 1,99 % la premi\u00e8re ann\u00e9e de l&#39;hypoth\u00e8que et d\u00e8s EURIBOR + 0,99 % \u00e0 partir de la deuxi\u00e8me ann\u00e9e de l&#39;hypoth\u00e8que ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 40 ans ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 75% de la valeur d&#39;expertise du bien pour la r\u00e9sidence secondaire et jusqu&#39;\u00e0 80% de la valeur d&#39;expertise du bien pour la r\u00e9sidence principale.<\/li>\n<\/ul>\n<p> <strong>BVA :<\/strong><\/p>\n<ul>\n<li> De 1,99% la premi\u00e8re ann\u00e9e de l&#39;hypoth\u00e8que et de EURIBOR + 0,99% \u00e0 partir de la deuxi\u00e8me ann\u00e9e de l&#39;hypoth\u00e8que ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 70% pour une r\u00e9sidence secondaire et jusqu&#39;\u00e0 80% pour une r\u00e9sidence principale (le montant le plus bas entre la valeur d&#39;expertise et la valeur v\u00e9nale du logement est retenu pour le calcul).<\/li>\n<\/ul>\n<p> <strong>banque inter :<\/strong><\/p>\n<ul>\n<li> 1,99% la premi\u00e8re ann\u00e9e de l&#39;hypoth\u00e8que et EURIBOR + 0,99% \u00e0 partir de la deuxi\u00e8me ann\u00e9e de l&#39;hypoth\u00e8que &#8211; pour un pr\u00eat pr\u00e9f\u00e9rentiel*, et 3,29% la premi\u00e8re ann\u00e9e de l&#39;hypoth\u00e8que et EURIBOR + 2,29% \u00e0 partir de la deuxi\u00e8me ann\u00e9e de l&#39;hypoth\u00e8que &#8211; pour un pr\u00eat simple ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 60% pour une r\u00e9sidence secondaire et jusqu&#39;\u00e0 80% pour une r\u00e9sidence principale (le montant le plus bas entre la valeur d&#39;expertise et la valeur v\u00e9nale du logement est retenu pour le calcul).<\/li>\n<\/ul>\n<p> <strong>*<\/strong> Un pr\u00eat pr\u00e9f\u00e9rentiel signifie un pr\u00eat qui est accord\u00e9 sous certaines conditions : transfert de salaires, de pensions ou d&#39;autres revenus \u00e0 la banque ; se conformer \u00e0 l&#39;exigence concernant le montant du revenu mensuel; acheter des produits financiers suppl\u00e9mentaires (tels que des assurances ou des r\u00e9gimes de retraite), etc.<\/p>\n<h2> Pr\u00eats hypoth\u00e9caires \u00e0 taux fixe en Espagne en septembre 2020 <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-226587\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-in-spain.jpg\" alt=\"\" width=\"800\" height=\"534\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-in-spain.jpg 1000w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-in-spain-300x200.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-in-spain-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/> Les banques espagnoles pr\u00e9f\u00e8rent pr\u00eater aux \u00e9trangers non-r\u00e9sidents \u00e0 taux fixe. Aussi, un taux fixe est choisi par les emprunteurs qui veulent s&#39;assurer contre d&#39;\u00e9ventuels risques \u00e9conomiques. <strong>Banque Santander\u00a0:<\/strong><\/p>\n<ul>\n<li> 1,55 % la premi\u00e8re ann\u00e9e de l&#39;hypoth\u00e8que et 2,55 % \u00e0 partir de la deuxi\u00e8me ann\u00e9e de l&#39;hypoth\u00e8que ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 25 ans pour une r\u00e9sidence secondaire et jusqu&#39;\u00e0 30 ans pour une r\u00e9sidence principale ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 70% de la valeur d&#39;expertise du bien pour la r\u00e9sidence secondaire et jusqu&#39;\u00e0 80% de la valeur d&#39;expertise du bien pour la r\u00e9sidence principale.<\/li>\n<\/ul>\n<p> <strong>Banque Sabadell\u00a0:<\/strong><\/p>\n<ul>\n<li> De 1,75% pour un pr\u00eat bonifi\u00e9 et 2,75% pour un pr\u00eat simple ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans.<\/li>\n<\/ul>\n<p> <strong>CaixaBank\u00a0:<\/strong><\/p>\n<ul>\n<li> De 3,15% pour un pr\u00eat bonifi\u00e9 et 4,15 pour un pr\u00eat simple ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans.<\/li>\n<\/ul>\n<p> <strong>banque\u00a0:<\/strong><\/p>\n<ul>\n<li> De 1,85 % la premi\u00e8re ann\u00e9e de l&#39;hypoth\u00e8que et de 2,85 % \u00e0 partir de la deuxi\u00e8me ann\u00e9e de l&#39;hypoth\u00e8que ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 80% de la valeur marchande de l&#39;objet.<\/li>\n<\/ul>\n<p> <strong>BVA :<\/strong><\/p>\n<ul>\n<li> De 2% pour les pr\u00eats immobiliers jusqu&#39;\u00e0 15 ans (par exemple, le taux des pr\u00eats sur 30 ans est d\u00e9j\u00e0 de 2,45%) ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 70% pour une r\u00e9sidence secondaire et jusqu&#39;\u00e0 80% pour une r\u00e9sidence principale (le montant le plus bas entre la valeur d&#39;expertise et la valeur v\u00e9nale du logement est retenu pour le calcul).<\/li>\n<\/ul>\n<p> <strong>banque inter :<\/strong><\/p>\n<ul>\n<li> De 1,50% pour les hypoth\u00e8ques jusqu&#39;\u00e0 10 ans, de 1,60% pour les hypoth\u00e8ques jusqu&#39;\u00e0 15 ans, de 1,69% pour les hypoth\u00e8ques jusqu&#39;\u00e0 20 ans, de 1,74% pour les hypoth\u00e8ques jusqu&#39;\u00e0 25 ans et de 1,79% pour les hypoth\u00e8ques jusqu&#39;\u00e0 30 ans ann\u00e9es;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 60% pour une r\u00e9sidence secondaire et jusqu&#39;\u00e0 80% pour une r\u00e9sidence principale (le montant le plus bas entre la valeur d&#39;expertise et la valeur v\u00e9nale du logement est retenu pour le calcul).<\/li>\n<\/ul>\n<p> [cet endroit]<\/p>\n<h2> Taux hypoth\u00e9caire mixte en Espagne en septembre 2020 <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-226585 size-full\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-in-spain-2.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-in-spain-2.jpg 800w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-in-spain-2-300x200.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-in-spain-2-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/> Un taux hypoth\u00e9caire mixte suppose que le pr\u00eat est rembours\u00e9 \u00e0 un taux fixe pendant les dix premi\u00e8res ann\u00e9es (ou plus), puis \u00e0 un taux variable. <strong>ING\u00a0:<\/strong><\/p>\n<ul>\n<li> De 1,49 % pendant les dix premi\u00e8res ann\u00e9es du pr\u00eat et de EURIBOR + 0,99 % \u00e0 partir de la onzi\u00e8me ann\u00e9e du pr\u00eat ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 40 ans ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 75% de la valeur d&#39;expertise du bien pour la r\u00e9sidence secondaire et jusqu&#39;\u00e0 80% de la valeur d&#39;expertise du bien pour la r\u00e9sidence principale.<\/li>\n<\/ul>\n<p> <strong>banque inter :<\/strong><\/p>\n<ul>\n<li> Taux fixe sur 10 ans : o 1,60% les dix premi\u00e8res ann\u00e9es du pr\u00eat et EURIBOR + 0,99% \u00e0 partir de la onzi\u00e8me ann\u00e9e du pr\u00eat &#8211; pour les pr\u00eats bonifi\u00e9s et 2,90% les dix premi\u00e8res ann\u00e9es du pr\u00eat et EURIBOR + 2,29 %, \u00e0 partir de la onzi\u00e8me ann\u00e9e du pr\u00eat &#8211; pour un pr\u00eat simple ;<\/li>\n<li> Taux fixe sur 15 ans : o 1,75% les quinze premi\u00e8res ann\u00e9es du pr\u00eat et EURIBOR + 0,99% \u00e0 partir de la seizi\u00e8me ann\u00e9e du pr\u00eat &#8211; pour les pr\u00eats bonifi\u00e9s et 3,05% les quinze premi\u00e8res ann\u00e9es du pr\u00eat et EURIBOR + 2,29 %, \u00e0 partir de la seizi\u00e8me ann\u00e9e du pr\u00eat &#8211; pour un pr\u00eat simple ;<\/li>\n<li> Taux fixe sur 20 ans : o 1,80 % les vingt premi\u00e8res ann\u00e9es du pr\u00eat et EURIBOR + 0,99 % \u00e0 partir de la vingt et uni\u00e8me ann\u00e9e du pr\u00eat &#8211; pour les pr\u00eats bonifi\u00e9s, et 3,10 % les vingt premi\u00e8res ann\u00e9es du pr\u00eat et EURIBOR + 2,29 %, \u00e0 compter de la vingt et uni\u00e8me ann\u00e9e du pr\u00eat &#8211; pour un pr\u00eat simple ;<\/li>\n<li> Dur\u00e9e du pr\u00eat : jusqu&#39;\u00e0 30 ans ;<\/li>\n<li> Financement : jusqu&#39;\u00e0 60% pour une r\u00e9sidence secondaire et jusqu&#39;\u00e0 80% pour une r\u00e9sidence principale (le montant le plus bas entre la valeur d&#39;expertise et la valeur v\u00e9nale du logement est retenu pour le calcul).<\/li>\n<\/ul>\n<p> Les taux hypoth\u00e9caires en Espagne changent constamment : les banques r\u00e9visent les conditions et les int\u00e9r\u00eats plusieurs fois par an, en fonction de la situation sur le march\u00e9 financier. Cependant, aucun bond significatif n&#39;a \u00e9t\u00e9 observ\u00e9 ces derni\u00e8res ann\u00e9es. Au contraire, tous les taux sont maintenus \u00e0 un niveau bas et nous ne nous attendons pas \u00e0 une forte hausse dans un avenir proche.<\/p>","protected":false},"excerpt":{"rendered":"<p>Malgr\u00e9 la crise, l&#39;immobilier en Espagne continue d&#39;\u00eatre achet\u00e9\u2026<\/p>\n","protected":false},"author":18,"featured_media":226584,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-226583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-mortgage-in-spain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u041f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u0432 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