{"id":50,"date":"2026-04-30T15:03:59","date_gmt":"2026-04-30T15:03:59","guid":{"rendered":"https:\/\/jereveduncourtier.fr\/?p=50"},"modified":"2026-04-30T15:29:39","modified_gmt":"2026-04-30T15:29:39","slug":"quelles-sont-les-conditions-a-remplir-pour-acceder-au-pret-relais","status":"publish","type":"post","link":"https:\/\/jereveduncourtier.fr\/index.php\/2026\/04\/30\/quelles-sont-les-conditions-a-remplir-pour-acceder-au-pret-relais\/","title":{"rendered":"Quelles sont les conditions \u00e0 remplir pour acc\u00e9der au pr\u00eat relais\u00a0?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"529\" src=\"https:\/\/jereveduncourtier.fr\/wp-content\/uploads\/2026\/04\/cafpi-pret-relais-image.png\" alt=\"\" class=\"wp-image-51\" srcset=\"https:\/\/jereveduncourtier.fr\/wp-content\/uploads\/2026\/04\/cafpi-pret-relais-image.png 800w, https:\/\/jereveduncourtier.fr\/wp-content\/uploads\/2026\/04\/cafpi-pret-relais-image-300x198.png 300w, https:\/\/jereveduncourtier.fr\/wp-content\/uploads\/2026\/04\/cafpi-pret-relais-image-768x508.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>Le pr\u00eat relais facilite donc l\u2019acquisition d\u2019un nouveau bien immobilier. N\u00e9anmoins, pour pouvoir y acc\u00e9der, il vous faut r\u00e9pondre aux exigences des banques. Vous devez, entre autres :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>entretenir le bien \u00e0 vendre pour attirer de potentiels acheteurs\u00a0<\/li>\n\n\n\n<li>avoir des revenus r\u00e9guliers\u00a0et une situation professionnelle stable\u00a0<\/li>\n\n\n\n<li>avoir un\u00a0<a href=\"https:\/\/www.cafpi.fr\/rachat-de-credits\/calculette-taux-endettement\"><u>taux d\u2019endettement<\/u><\/a>\u00a0de 35% maximum\u00a0<\/li>\n\n\n\n<li>v\u00e9rifier que vous pourrez r\u00e9gler sans difficult\u00e9 les mensualit\u00e9s d\u2019un \u00e9ventuel pr\u00eat immobilier adoss\u00e9 au pr\u00eat relais\u00a0<\/li>\n\n\n\n<li>avoir un compte bancaire sans d\u00e9couvert\u00a0<\/li>\n\n\n\n<li>ne pas \u00eatre fich\u00e9 \u00e0 la Banque de France\u00a0<\/li>\n\n\n\n<li>veiller \u00e0 ce que le prix du bien \u00e0 vendre ne soit pas trop \u00e9loign\u00e9 du bien \u00e0 acqu\u00e9rir\u00a0<\/li>\n\n\n\n<li>pr\u00e9voir un apport personnel.<\/li>\n<\/ul>\n\n\n\n<p>Bon \u00e0 savoir<\/p>\n\n\n\n<p>L\u2019apport personnel est souvent demand\u00e9 par les banques pour les rassurer sur votre capacit\u00e9 \u00e0 \u00e9pargner et \u00e0 g\u00e9rer vos finances. Il est g\u00e9n\u00e9ralement au minimum de l\u2019ordre de 10% du co\u00fbt total de l\u2019op\u00e9ration et servira \u00e0 couvrir les frais de notaire notamment, et souvent les frais de garantie. Plus il sera \u00e9lev\u00e9, plus vous aurez de chance de n\u00e9gocier. Un apport de 20%, par exemple, vous permettra d\u00e9j\u00e0 de profiter de conditions int\u00e9ressantes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le pr\u00eat relais facilite donc l\u2019acquisition d\u2019un nouveau bien immobilier. N\u00e9anmoins, pour pouvoir y acc\u00e9der,&hellip;<\/p>\n","protected":false},"author":1,"featured_media":67,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-50","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pret-relais"],"_links":{"self":[{"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/posts\/50","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/comments?post=50"}],"version-history":[{"count":1,"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/posts\/50\/revisions"}],"predecessor-version":[{"id":52,"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/posts\/50\/revisions\/52"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/media\/67"}],"wp:attachment":[{"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/media?parent=50"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/categories?post=50"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jereveduncourtier.fr\/index.php\/wp-json\/wp\/v2\/tags?post=50"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}