Le crédit immobilier sans apport

L’apport personnel constitue la somme d’argent à  investir dans un projet auprès d’une banque. Cette somme provient des économies personnelles. Certaines banques intègrent les prêts aidés (Prêt à taux zéro, prêt employeur…) dans leur calcul de l’apport mais elles considèrent qu’il s’agit d’un crédit sans apport dès lors que l’emprunteur ne dispose d’aucuns fonds personnels.

L’apport doit en général couvrir au moins les frais de notaire. Certains organismes exigent en plus des frais de notaire que l’apport couvre 10 voire 20% de l’opération. Malgré ce durcissement, certains organismes accordent encore d’emprunter sans apport voire même de financer une opération à 110 % (financement total y compris les frais de notaire).

En effet, même s’il recherche un crédit sans apport, le dossier de l’emprunteur peut très bien comporter des éléments positifs. Le banquier effectue une analyse globale. Si tous les éléments du dossier sont globalement positifs, un crédit sans apport restera tout à fait possible.

Il n’est pas rare que les primo-accédants recherchent un crédit sans apport. La hausse des loyers incite de plus en plus de jeunes couples à rechercher un bien immobilier sans avoir eu le temps de se constituer un apport par le biais de l’épargne.

Pour les ménages à revenus modestes, le crédit sans apport reste parfois la seule solution. Même lorsqu’on travaille depuis un certain nombre d’années, il n’est pas toujours évident de dégager une capacité d’épargne.

Mais des solutions existent pour faciliter l’accession à la propriété. Le système du pass foncier par exemple s’applique parfaitement à des emprunteurs qui ne disposent pas d’apport en leur permettant de limiter l’emprunt à la seule construction. Le terrain sera quant à lui, financé au terme de l’opération.

Quant à l’investissement locatif, il est souvent réalisé à l’aide d’un crédit sans apport. Cette pratique est généralement admise par les banques qui prennent en compte l’aspect fiscal de l’opération.

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