{"id":460879,"date":"2022-10-20T17:45:10","date_gmt":"2022-10-20T14:45:10","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=460879"},"modified":"2025-08-14T21:34:04","modified_gmt":"2025-08-14T18:34:04","slug":"mortgage-in-spain-for-40-years","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/fr\/articles\/mortgage-in-spain-for-40-years","title":{"rendered":"Hypoth\u00e8que en Espagne pendant 40 ans: comment obtenir"},"content":{"rendered":"<p>Malgr\u00e9 le fait que, en g\u00e9n\u00e9ral, les conditions d&#39;obtention de <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/mortgage-in-spain\">pr\u00eats hypoth\u00e9caires en Espagne<\/a> sont devenues plus strictes, certaines banques continuent d&#39;offrir des pr\u00eats hypoth\u00e9caires jusqu&#39;\u00e0 40 ans \u00e0 leurs clients. Pour demander ces pr\u00eats, vous devez remplir un certain nombre de conditions, dont nous parlerons ci-dessous.<\/p>\n<h2> Hypoth\u00e8que \u00e0 taux r\u00e9visable<\/h2>\n<p> Dans pr\u00e8s de 100% des cas, les cr\u00e9dits \u00e0 long terme sont des cr\u00e9dits immobiliers \u00e0 taux variable. Puisqu&#39;on parle d&#39;une longue p\u00e9riode de remboursements, il n&#39;est pas rentable pour les banques de proposer un taux fixe, ce qui se traduira pour elles par un manque \u00e0 gagner \u00e0 long terme (dans 30-40 ans, les taux augmenteront probablement).<\/p>\n<h2> \u00c0 plus long terme &#8211; mensualit\u00e9s moins \u00e9lev\u00e9es<\/h2>\n<p> L&#39;un des avantages d&#39;un pr\u00eat hypoth\u00e9caire \u00e0 long terme est le faible montant des mensualit\u00e9s. \u00c9tant donn\u00e9 que le montant du pr\u00eat doit \u00eatre rembours\u00e9 sur une longue p\u00e9riode &#8211; jusqu&#39;\u00e0 40 ans &#8211; le montant des mensualit\u00e9s sera d&#39;autant plus faible. \u00c0 cet \u00e9gard, une hypoth\u00e8que \u00e0 long terme sera une excellente option pour les familles \u00e0 faible revenu.<\/p>\n<h2> Augmentation des int\u00e9r\u00eats bancaires<\/h2>\n<p> Le principal inconv\u00e9nient d&#39;une hypoth\u00e8que \u00e0 long terme est le montant accru qui doit \u00eatre pay\u00e9 sous forme d&#39;int\u00e9r\u00eats bancaires. Bien que les devis mensuels de ces pr\u00eats hypoth\u00e9caires soient inf\u00e9rieurs \u00e0 ceux des pr\u00eats conventionnels, ils contiennent des int\u00e9r\u00eats bancaires, qui repr\u00e9sentent une part importante des paiements, c&#39;est-\u00e0-dire que le montant total que vous retournez \u00e0 la banque sera d&#39;un ordre de grandeur plus \u00e9lev\u00e9 que dans le cas d&#39;une hypoth\u00e8que pour une p\u00e9riode plus courte. Ainsi, les hypoth\u00e8ques \u00e0 long terme ne sont pas la meilleure option pour \u00e9pargner \u00e0 long terme.<\/p>\n<h2> Pour les emprunteurs de moins de 35 ans<\/h2>\n<p> L&#39;hypoth\u00e8que jusqu&#39;\u00e0 40 ans est un produit financier que les banques proposent aux jeunes de moins de 35 ans. Et le point n&#39;est pas seulement l&#39;\u00e2ge, mais aussi le fait que les personnes de moins de 35 ans, selon les banques, ont une meilleure position sur le march\u00e9 du travail et plus de possibilit\u00e9s de gagner de l&#39;argent, ce qui signifie qu&#39;elles sont plus solvables. Ainsi, si vous avez plus de 35 ans, vous ne serez probablement pas approuv\u00e9 pour un pr\u00eat hypoth\u00e9caire \u00e0 long terme. [cet endroit]<\/p>\n<h2> Rembourser votre pr\u00eat hypoth\u00e9caire par anticipation est un bon moyen d&#39;\u00e9conomiser de l&#39;argent<\/h2>\n<p> Les pr\u00eats hypoth\u00e9caires jusqu&#39;\u00e0 40 ans font partie des cat\u00e9gories de pr\u00eats qu&#39;il est avantageux de rembourser par anticipation, surtout pendant les 20 premi\u00e8res ann\u00e9es. Cela est d\u00fb au fait que, comme nous l&#39;avons dit pr\u00e9c\u00e9demment, les pr\u00eats \u00e0 long terme impliquent un montant accru \u00e0 payer sous forme d&#39;int\u00e9r\u00eats bancaires. Plus le pr\u00eat est rembours\u00e9 t\u00f4t, plus ce montant sera faible. Pour ce faire, vous pouvez recourir aux proc\u00e9dures de novation ou de subrogation des hypoth\u00e8ques.<\/p>\n<h2> Le processus de demande d&#39;un pr\u00eat hypoth\u00e9caire de 40 ans est le m\u00eame que pour les autres types de pr\u00eats hypoth\u00e9caires.<\/h2>\n<p> En d\u00e9finitive, je tiens \u00e0 souligner que bien qu&#39;un cr\u00e9dit immobilier sur 40 ans ne soit pas un produit financier que les banques proposent en grande quantit\u00e9, la proc\u00e9dure pour son enregistrement n&#39;est pas diff\u00e9rente de la proc\u00e9dure d&#39;obtention d&#39;un cr\u00e9dit immobilier classique pour une dur\u00e9e plus courte. La banque v\u00e9rifie soigneusement l&#39;identit\u00e9 d&#39;un emprunteur potentiel avant de prendre une d\u00e9cision positive. Le seul point important est l&#39;\u00e2ge du client : il doit \u00eatre inf\u00e9rieur \u00e0 35 ans. Nous vous rappelons que la soci\u00e9t\u00e9 Alegria est sp\u00e9cialis\u00e9e dans la vente de biens immobiliers en hypoth\u00e8ques en Espagne. Nos experts sont pr\u00eats \u00e0 vous conseiller sur toutes les questions li\u00e9es \u00e0 l&#39;obtention d&#39;un pr\u00eat hypoth\u00e9caire en Espagne. De plus, nous aidons nos clients \u00e0 choisir la meilleure option et garantissons une approbation hypoth\u00e9caire \u00e0 100% au niveau de la banque apr\u00e8s une v\u00e9rification pr\u00e9alable des documents par nos sp\u00e9cialistes. Vous pouvez trouver notre offre de biens immobiliers en Espagne <a href=\"https:\/\/alegria-realestate.com\/ru\/sale\">dans le catalogue<\/a> .<\/p>","protected":false},"excerpt":{"rendered":"<p>Malgr\u00e9 le fait que, en g\u00e9n\u00e9ral, les conditions d&#39;obtention\u2026<\/p>\n","protected":false},"author":19,"featured_media":460880,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-460879","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 v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u043d\u0430 40 \u043b\u0435\u0442: \u0443\u0441\u043b\u043e\u0432\u0438\u044f, 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