{"id":279,"date":"2021-04-20T00:00:00","date_gmt":"2021-04-19T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2019\/06\/20\/loffre-prealable-pour-un-credit-immobilier\/"},"modified":"2026-06-29T19:08:54","modified_gmt":"2026-06-29T17:08:54","slug":"loffre-prealable-pour-un-credit-immobilier","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/loffre-prealable-pour-un-credit-immobilier\/","title":{"rendered":"L'offre pr\u00e9alable pour un cr\u00e9dit immobilier"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>L'offre pr\u00e9alable r\u00e9capitule toutes les caract\u00e9ristiques et les modalit\u00e9s du cr\u00e9dit. Vous avez le choix de souscrire l'assurance propos\u00e9e ou une assurance \u00e9quivalente aupr\u00e8s d'un autre assureur.<\/strong> L'offre reste valable 30 jours. Vous n'avez pas le droit de la renvoyer sign\u00e9e avant la fin d'un d\u00e9lai de r\u00e9flexion incompressible de 10 jours.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de vous faire une offre de pr\u00eat, la banque vous informe sur les cons\u00e9quences de ce cr\u00e9dit, notamment les risques de surendettement. Elle \u00e9value votre solvabilit\u00e9 notamment en s'appuyant sur les informations relatives \u00e0 votre situation financi\u00e8re (revenus, \u00e9pargne, d\u00e9penses, dettes), et elle consulte le fichier des incidents de remboursement des cr\u00e9dits aux particuliers (FICP).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Envoi de l'offre par courrier postal et dur\u00e9e de validit\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L'offre vous est adress\u00e9e gratuitement par voie postale ou sur tout support durable ainsi qu'\u00e0 chaque coemprunteur et caution s'il y a lieu,<br>Elle reste valable pendant 30 jours minimum \u00e0 compter de sa r\u00e9ception.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'offre doit \u00eatre accept\u00e9e par chaque emprunteur, coemprunteur et caution. Vous devez la renvoyer sign\u00e9e apr\u00e8s un d\u00e9lai de r\u00e9flexion incompressible de 10 jours apr\u00e8s l'avoir re\u00e7ue. Ce d\u00e9lai vous permet de comparer d'autres propositions et de prendre votre d\u00e9cision en connaissance de cause.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Contenu de l'offre pr\u00e9alable<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L'offre r\u00e9capitule toutes les caract\u00e9ristiques du cr\u00e9dit, notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le nom et l'adresse de la banque, les v\u00f4tres et ceux des cautions s'il y a lieu ;<\/li><li>la nature et l'objet du pr\u00eat, les dates et conditions de mise \u00e0 disposition des fonds ;<\/li><li>un \u00e9ch\u00e9ancier des amortissements d\u00e9taillant pour chaque \u00e9ch\u00e9ance la r\u00e9partition du remboursement entre le capital et les int\u00e9r\u00eats ;<\/li><li>le montant et le co\u00fbt total du cr\u00e9dit ;<\/li><li>le <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/taux-credit-immobilier-2026-projet\/\" target=\"_blank\" rel=\"noreferrer noopener\">taux du pr\u00eat <\/a>et s'il y a lieu, les modalit\u00e9s de l'indexation ;<\/li><li>la possibilit\u00e9 de souscrire un contrat aupr\u00e8s de l'assureur de votre choix. La banque ne pourra pas refuser une assurance \u00e9quivalente \u00e0 la sienne.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si la proposition qui vous est faite est assortie d'une assurance de groupe, une notice doit vous \u00eatre remise comportant les conditions g\u00e9n\u00e9rales, la dur\u00e9e, les risques couverts et exclus, les modalit\u00e9s de mise en oeuvre de l'assurance et les coordonn\u00e9es de l'assureur.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : L'offre de cr\u00e9dit doit indiquer si le pr\u00eat est subordonn\u00e9 \u00e0 une condition de domiciliation des revenus. Depuis le 24 mai 2019 (date d'entr\u00e9e en vigueur de la loi Pacte), la domiciliation est librement n\u00e9goci\u00e9e entre les parties. Cette obligation doit \u00eatre accompagn\u00e9e d'une contrepartie individualis\u00e9e au profit de l'emprunteur, comme un taux d'int\u00e9r\u00eat r\u00e9duit par exemple.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La Fiche d'information standardis\u00e9e europ\u00e9enne (FISE)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cette fiche vous est obligatoirement remise par l'\u00e9tablissement de cr\u00e9dit, gratuitement, par \u00e9crit ou sur tout autre support durable, au plus tard lorsqu'il \u00e9met son offre de pr\u00eat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce document contient les principales caract\u00e9ristiques du cr\u00e9dit immobilier propos\u00e9, ses modalit\u00e9s de remboursement, son taux d'int\u00e9r\u00eat. Il suit des r\u00e8gles pr\u00e9cises de pr\u00e9sentation pour pouvoir plus facilement vous y retrouver notamment d'une offre \u00e0 une autre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce document facilite la comparaison des offres de pr\u00eat faites par diff\u00e9rents \u00e9tablissements de cr\u00e9dit et vous permet de bien analyser tous les \u00e9l\u00e9ments de chaque offre de pr\u00eat. Il doit donc \u00eatre lu avec soin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Particularit\u00e9 de l'offre pr\u00e9alable d'un pr\u00eat immobilier \u00e0 taux variable<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L'offre est accompagn\u00e9e d'une notice pr\u00e9sentant les conditions et les modalit\u00e9s de variation du taux et d'un document d'information contenant une simulation de l'impact d'une variation de taux sur les mensualit\u00e9s, la dur\u00e9e et le co\u00fbt du cr\u00e9dit. La notice pr\u00e9sente ainsi 3 simulations personnalis\u00e9es de variation de taux :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une \u00e0 la baisse (-2 points) ;<\/li><li>une \u00e0 la hausse en d\u00e9but de pr\u00eat (+2 points) ;<\/li><li>une \u00e0 l'initiative de l'\u00e9tablissement de cr\u00e9dit en fonction d'un sc\u00e9nario de taux, reprenant ainsi les \u00e9l\u00e9ments cl\u00e9s de votre projet et de son financement.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Toute proposition de pr\u00eat \u00e0 taux variable est assortie d'une pr\u00e9sentation d'une alternative de pr\u00eat \u00e0 taux ma\u00eetrisable (pr\u00eat comportant soit un plafond d'\u00e9volution du taux appel\u00e9 \"cap\", soit une limite d'\u00e9volution des mensualit\u00e9s et de la dur\u00e9e) ou \u00e0 taux fixe. De m\u00eame, vous serez inform\u00e9 si, quand et comment vous pourrez passer \u00e0 un taux fixe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006069565&amp;\">Legifrance - L'offre pr\u00e9alable aux art L 312-24 et s. c. conso.<\/a> <\/li><li><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006069565\/LEGISCTA000032222223\/#LEGISCTA000032225951\" target=\"_blank\" rel=\"noreferrer noopener\">Legifrance - la FISE \u00e0 l'art. L313-7 et s. C. conso.<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" 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class=\"card__submetas\">\n                                        <p class=\"card__category\">Le choix d&#039;un cr\u00e9dit adapt\u00e9 au...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Financement immobilier : quel apport personnel ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:761,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/lacceptation-et-la-retractation-pour-un-credit-immobilier\/&quot;,&quot;title&quot;:&quot;L\\u0027acceptation et la r\u00e9tractation 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Ce mini-guide vous pr\u00e9sente les diff\u00e9rentes approches qui permettent d&#039;affiner (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>L'offre pr\u00e9alable r\u00e9capitule toutes les caract\u00e9ristiques et les modalit\u00e9s du cr\u00e9dit. Vous avez le choix de souscrire l'assurance propos\u00e9e ou une assurance \u00e9quivalente aupr\u00e8s d'un autre assureur. L'offre reste valable 30 jours. Vous n'avez pas le droit de la renvoyer sign\u00e9e avant la fin d'un d\u00e9lai de r\u00e9flexion incompressible de 10 jours. 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