{"id":459411,"date":"2022-08-26T12:17:44","date_gmt":"2022-08-26T09:17:44","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=459411"},"modified":"2025-08-14T21:33:42","modified_gmt":"2025-08-14T18:33:42","slug":"bridge-mortgage-in-spain-what-it-is-and-how-it-works","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/fr\/articles\/property-in-spain\/bridge-mortgage-in-spain-what-it-is-and-how-it-works","title":{"rendered":"Hypoth\u00e8que relais en Espagne : qu'est-ce que c'est et comment \u00e7a marche"},"content":{"rendered":"

Une hypoth\u00e8que relais, ou hypoth\u00e8que relais, est id\u00e9ale pour ceux qui veulent acheter une nouvelle maison avant de vendre une maison existante qui rembourse encore l'hypoth\u00e8que. Le principe d'une hypoth\u00e8que relais est que la banque combine l'ancienne hypoth\u00e8que avec la nouvelle en un seul versement en \u00e9change d'un engagement de vendre votre ancienne maison dans un certain d\u00e9lai. Les banques n'offrent de telles conditions qu'aux clients les plus respect\u00e9s et dignes de confiance avec des revenus \u00e9lev\u00e9s, des emplois stables et un bon historique de cr\u00e9dit.<\/p>\n

Pourquoi ai-je besoin d'un cr\u00e9dit relais en Espagne ?<\/h2>\n

Les hypoth\u00e8ques provisoires sont con\u00e7ues pour ceux qui envisagent de d\u00e9m\u00e9nager tout en continuant \u00e0 rembourser l'hypoth\u00e8que de leur maison actuelle. Une hypoth\u00e8que relais vous permet de combiner deux hypoth\u00e8ques, pour une maison ancienne et une maison neuve, en \u00e9change d'un engagement \u00e0 vendre la premi\u00e8re dans un d\u00e9lai d\u00e9termin\u00e9, g\u00e9n\u00e9ralement de 2 \u00e0 5 ans.<\/p>\n

Comment fonctionne une hypoth\u00e8que relais en Espagne ?<\/h2>\n

Le sch\u00e9ma d'une hypoth\u00e8que interm\u00e9diaire en Espagne est le suivant :<\/p>\n

    \n
  1. Le client de la banque paie l'hypoth\u00e8que de son logement et d\u00e9cide en m\u00eame temps d'en acheter un nouveau \u00e9galement dans l'hypoth\u00e8que. Il se pr\u00e9sente \u00e0 la banque, qui lui accorde un nouveau pr\u00eat hypoth\u00e9caire pour acheter une maison en \u00e9change d'un engagement de vendre sa premi\u00e8re maison d'ici 2 \u00e0 5 ans (selon les exigences de la banque).<\/li>\n
  2. Lorsque la vente a eu lieu, l'emprunteur restitue le montant appropri\u00e9 de la dette \u00e0 la banque et continue de payer des quotas mensuels pour les nouveaux logements.<\/li>\n<\/ol>\n

    Comment obtenir un cr\u00e9dit relais ?<\/h2>\n

    Les banques sont tr\u00e8s critiques \u00e0 l'\u00e9gard des clients qui demandent des pr\u00eats hypoth\u00e9caires transitoires. Ce type de pr\u00eat n'est \u00e9mis que si la banque a pleinement confiance en l'emprunteur et en sa solvabilit\u00e9. \u00c9tant donn\u00e9 qu'un pr\u00eat hypoth\u00e9caire relais consiste essentiellement en deux pr\u00eats importants en m\u00eame temps, les banques v\u00e9rifient tr\u00e8s m\u00e9ticuleusement l'emprunteur avant de d\u00e9cider de lui accorder un pr\u00eat hypoth\u00e9caire relais. Des facteurs tels qu'un revenu \u00e9lev\u00e9, un emploi stable, un bon historique de cr\u00e9dit, etc. sont pris en compte.<\/p>\n

    Caract\u00e9ristiques hypoth\u00e9caires provisoires<\/h2>\n

    Montant maximum du pr\u00eat, compte tenu de la valorisation de deux objets<\/h3>\n

    Le montant maximal d'une hypoth\u00e8que relais est de 80 % de la valeur estimative de la propri\u00e9t\u00e9. Cependant, vous devez garder \u00e0 l'esprit que nous parlons de l'\u00e9valuation de deux maisons \u00e0 la fois, ce qui signifie que si vous avez d\u00e9j\u00e0 pay\u00e9 une partie importante du co\u00fbt de la premi\u00e8re maison au moment o\u00f9 vous avez demand\u00e9 un pr\u00eat hypoth\u00e9caire interm\u00e9diaire, vous peut compter sur une somme assez cons\u00e9quente qui couvrira en totalit\u00e9 ou presque le co\u00fbt d'un bien neuf.<\/p>\n

    Modifications du quota mensuel apr\u00e8s la vente du premier logement<\/h3>\n

    Les conditions peuvent diff\u00e9rer d'une banque \u00e0 l'autre, mais dans la plupart des cas, jusqu'au moment o\u00f9 la premi\u00e8re maison est vendue, la quote-part mensuelle ne comprend que les int\u00e9r\u00eats bancaires. Apr\u00e8s la vente de l'ancienne maison, le paiement comprendra d\u00e9j\u00e0 \u00e0 la fois les int\u00e9r\u00eats sur la partie restante du pr\u00eat et une partie du montant principal du pr\u00eat. En d'autres termes, jusqu'au moment o\u00f9 l'ancienne maison est vendue, les mensualit\u00e9s seront moins \u00e9lev\u00e9es, mais vous devez \u00e9galement vous rappeler que pendant cette p\u00e9riode, le montant principal de l'hypoth\u00e8que n'est pas rembours\u00e9, seuls les int\u00e9r\u00eats sont pay\u00e9s.<\/p>\n

    Pas de frais d'amortissement sur les premi\u00e8res ventes de maisons<\/h3>\n

    En r\u00e8gle g\u00e9n\u00e9rale, l'argent de la vente de la premi\u00e8re maison sert \u00e0 rembourser une partie de la dette hypoth\u00e9caire. En r\u00e8gle g\u00e9n\u00e9rale, les banques facturent des frais pour le remboursement anticip\u00e9 d'un pr\u00eat hypoth\u00e9caire, mais dans le cas d'un pr\u00eat hypoth\u00e9caire relais, lors de l'amortissement d'une partie du pr\u00eat apr\u00e8s la vente de la premi\u00e8re maison, cette commission n'est pas pr\u00e9lev\u00e9e sur l'emprunteur dans la plupart des cas. Cependant, il est pr\u00e9f\u00e9rable de bien lire le contrat avant de signer pour \u00e9viter les mauvaises surprises. Pour toute question concernant l'obtention d'un pr\u00eat hypoth\u00e9caire en Espagne,<\/a> vous pouvez contacter nos sp\u00e9cialistes. Nous vous rappelons que "Alegria" garantit l'approbation \u00e0 100% des hypoth\u00e8ques en Espagne au niveau des banques apr\u00e8s une v\u00e9rification pr\u00e9alable de tous les documents par les sp\u00e9cialistes de l'entreprise.<\/p>","protected":false},"excerpt":{"rendered":"

    Une hypoth\u00e8que relais, ou hypoth\u00e8que relais, est id\u00e9ale pour\u2026<\/p>\n","protected":false},"author":19,"featured_media":459412,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[73],"tags":[],"class_list":["post-459411","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property-in-spain"],"yoast_head":"\n\u0411\u0440\u0438\u0434\u0436-\u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u043d\u0430 \u0441\u043c\u0435\u043d\u0443 \u0436\u0438\u043b\u044c\u044f<\/title>\n<meta name=\"description\" content=\"\u0412 \u044d\u0442\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 \u043c\u044b 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