{"id":38946,"date":"2026-11-02T12:00:00","date_gmt":"2026-11-02T11:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=38946"},"modified":"2026-11-05T16:14:29","modified_gmt":"2026-11-05T15:14:29","slug":"le-credit-immobilier","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-immobilier\/","title":{"rendered":"Le cr\u00e9dit immobilier : Pr\u00e9parer et r\u00e9ussir son projet d'achat"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-normal-font-size\">Acheter un logement est un projet important. Le cr\u00e9dit immobilier est g\u00e9n\u00e9ralement incontournable pour le financer, en tout ou partie. Il permet de rembourser les sommes emprunt\u00e9es, petit \u00e0 petit, en accord avec vos moyens. Voyons comment pr\u00e9parer un dossier et comparer les offres de cr\u00e9dit.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure data-wp-interactive=\"cdb\/lightbox\" class=\"wp-block-image aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"214\" height=\"300\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Vignette-15-Le-credit-immobilier-214x300.png\" alt=\"\" class=\"wp-image-38947\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Vignette-15-Le-credit-immobilier-214x300.png 214w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Vignette-15-Le-credit-immobilier-57x80.png 57w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Vignette-15-Le-credit-immobilier-335x470.png 335w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Vignette-15-Le-credit-immobilier-178x250.png 178w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Vignette-15-Le-credit-immobilier-36x50.png 36w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Vignette-15-Le-credit-immobilier-550x772.png 550w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Vignette-15-Le-credit-immobilier.png 588w\" sizes=\"auto, (max-width: 214px) 100vw, 214px\" \/><\/figure>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Guide-15-Credit-immobilier<\/p><p class=\"postAttachment__fileSize\">356,1 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Guide-15-Credit-immobilier&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Guide-15-Credit-immobilier\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Guide-15-Credit-immobilier.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Guide-15-Credit-immobilier<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">1. Quel est votre projet ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de parler \u00ab banque \u00bb et \u00ab cr\u00e9dit \u00bb, il est essentiel de clarifier votre projet. Cette \u00e9tape permet d\u2019optimiser le montage du dossier : financement, aides possibles, pr\u00eats compl\u00e9mentaires, etc. Plus votre besoin est pr\u00e9cis, plus votre financement sera coh\u00e9rent. Il faut donc se poser des questions d\u00e8s le d\u00e9part.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Comment \u00e9valuer sa capacit\u00e9 de remboursement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Maintenant que vous avez estim\u00e9 le montant \u00e0 emprunter, il faut v\u00e9rifier qu'il est compatible avec votre budget.<br>La banque \u00e9tudiera notamment vos revenus, vos charges, votre situation professionnelle et familiale ainsi que votre capacit\u00e9 \u00e0 faire face aux futures d\u00e9penses li\u00e9es \u00e0 votre logement. De cette mani\u00e8re, elle s\u2019assure que les mensualit\u00e9s du cr\u00e9dit, ajout\u00e9es aux autres charges du foyer, restent supportables dans la dur\u00e9e.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Comment monter son dossier et comparer les offres ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un projet bien pr\u00e9par\u00e9 va rassurer la banque et vous faciliter la comparaison des offres.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ce&nbsp;que&nbsp;la banque&nbsp;regarde et comment elle d\u00e9cide<\/li>\n\n\n\n<li>Les principales pi\u00e8ces demand\u00e9es en g\u00e9n\u00e9ral<\/li>\n\n\n\n<li>Pr\u00e9senter un dossier solide<\/li>\n\n\n\n<li>Comparer les offres<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Faut-il une assurance&nbsp;emprunteur&nbsp;et&nbsp;des garanties ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans un cr\u00e9dit immobilier, l\u2019assurance emprunteur et la garantie du pr\u00eat sont deux \u00e9l\u00e9ments distincts et obligatoires le plus souvent.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019assurance emprunteur<\/li>\n\n\n\n<li>Les&nbsp;garanties&nbsp;du&nbsp;pr\u00eat :&nbsp;caution,&nbsp;hypoth\u00e8que\u2026&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c0 qui demander un cr\u00e9dit immobilier ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez vous adresser \u00e0 plusieurs types d\u2019interlocuteurs&nbsp;: votre banque, une autre banque, un courtier\u2026<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Demander directement aux banques<\/li>\n\n\n\n<li>Passer par les services d\u2019un courtier<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles sont les \u00e9tapes, de&nbsp;l\u2019accord&nbsp;de&nbsp;principe&nbsp;\u00e0 la signature&nbsp;?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Proposition de financement \u2192 FISE \u2192 Offre de pr\u00eat \u2192 D\u00e9lai de r\u00e9flexion \u2192 Acceptation \u2192 D\u00e9blocage des fonds<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proposition de financement sous r\u00e9serve<\/li>\n\n\n\n<li>La Fiche d'information standardis\u00e9e europ\u00e9enne (FISE)<\/li>\n\n\n\n<li>L'offre de pr\u00eat<\/li>\n\n\n\n<li>Le d\u00e9lai de r\u00e9flexion<\/li>\n\n\n\n<li>L\u2019acceptation de l\u2019offre<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.calameo.com\/read\/002024705e52f20738060\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\"><strong>Vous \u00eates travailleur social ? <\/strong>Nous vous proposons ce flyer (\u00e0 imprimer par vos soins) pour remettre aux publics que vous accompagnez. Il pr\u00e9sente rapidement le sujet et contient un QR code permettant d'aller consulter le guide en ligne.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">FLYER-Le-credit-immobilier<\/p><p class=\"postAttachment__fileSize\">1,5 Mo<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;FLYER-Le-credit-immobilier&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"FLYER-Le-credit-immobilier\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/FLYER-Le-credit-immobilier.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger FLYER-Le-credit-immobilier<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"height:20px\" 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                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\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\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--noBg\" 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;:95,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/convention-aeras\/&quot;,&quot;title&quot;:&quot;La convention AERAS&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:54}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"95\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/convention-aeras\/\"\n         data-title=\"La convention AERAS\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/convention-aeras\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">La convention AERAS<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous souhaitez souscrire un cr\u00e9dit mais vous craignez que votre \u00e9tat ou vos ant\u00e9c\u00e9dents de sant\u00e9 vous emp\u00eachent d\u2019obtenir l\u2019assurance ? Lors d\u2019une demande d\u2019assurance emprunteur (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" 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;:176,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-a-taux-zero-ptz\/&quot;,&quot;title&quot;:&quot;Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ)&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:26}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"176\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-a-taux-zero-ptz\/\"\n         data-title=\"Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ)\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-a-taux-zero-ptz\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ)<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous n&#039;\u00eates pas propri\u00e9taire de votre logement et souhaitez acheter ou faire construire votre r\u00e9sidence principale ? Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) peut utilement compl\u00e9ter votre (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" 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;:509,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/&quot;,&quot;title&quot;:&quot;Assurance emprunteur - M\\u0027assurer pour mon cr\u00e9dit immobilier&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:61}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"509\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/\"\n         data-title=\"Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit immobilier\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit immobilier<\/span>\n                <\/h3>\n                                <p class=\"card__article\">L&#039;assurance emprunteur est un \u00e9l\u00e9ment important du cr\u00e9dit immobilier. Elle vous prot\u00e8ge, vous et votre famille ainsi que la banque en cas d&#039;al\u00e9as de la vie (d\u00e9c\u00e8s, invalidit\u00e9, (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" 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;:376,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-endettement\/&quot;,&quot;title&quot;:&quot;Ma\u00eetriser mon endettement&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:79}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"376\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-endettement\/\"\n         data-title=\"Ma\u00eetriser mon endettement\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">4 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-endettement\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ma\u00eetriser mon endettement<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Conna\u00eetre son endettement permet de conna\u00eetre le montant qu&#039;on peut emprunter mais aussi \u00e9pargner. 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\" 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Et parce que tout le monde a besoin d\u2019avoir un compte bancaire pour percevoir un salaire, payer...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:84,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/&quot;,&quot;title&quot;:&quot;Le compte joint&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:56}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"84\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/\"\n         data-title=\"Le compte joint\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le compte joint\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/\">\n                Le compte joint            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Le compte joint est ouvert par 2 personnes ou plus (cotitulaires) pour faciliter la gestion des d\u00e9penses communes. Il est souvent utilis\u00e9 par des couples (concubins, pacs\u00e9s,...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #19a69b\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:405,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/&quot;,&quot;title&quot;:&quot;10 cl\u00e9s pour g\u00e9rer mon compte bancaire&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:110}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"405\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/\"\n         data-title=\"10 cl\u00e9s pour g\u00e9rer mon compte bancaire\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"10 cl\u00e9s pour g\u00e9rer mon compte bancaire\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/\">\n                10 cl\u00e9s pour g\u00e9rer mon compte bancaire            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Pour g\u00e9rer au mieux votre compte bancaire et ainsi \u00e9viter les incidents, quelques r\u00e8gles simples s&#039;imposent. En agence ou \u00e0 distance, votre banquier est disponible pour r\u00e9pondre...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:499,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/&quot;,&quot;title&quot;:&quot;Que devient l\\u0027argent des comptes inactifs ?&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:35}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"499\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/\"\n         data-title=\"Que devient l&#039;argent des comptes inactifs ?\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Que devient l&#039;argent des comptes inactifs ?\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/\">\n                Que devient l&#039;argent des comptes inactifs ?            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Ce mini-guide explique comment des comptes deviennent inactifs et ce que devient l\u2019argent d\u00e9pos\u00e9 sur ces comptes.Depuis janvier 2016, avec la loi dite \u00ab Eckert \u00bb, les d\u00e9marches...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Acheter un logement est un projet important. Le cr\u00e9dit immobilier est g\u00e9n\u00e9ralement incontournable pour le financer, en tout ou partie. Il permet de rembourser les sommes emprunt\u00e9es, petit \u00e0 petit, en accord avec vos moyens. Voyons comment pr\u00e9parer un dossier et comparer les offres de cr\u00e9dit. 1. Quel est votre projet ? Avant de parler [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":0,"views":0,"viewed_at":"","newsletter":"1","_yoast_wpseo_primary_category":23,"footnotes":""},"categories":[23,4,277],"tags":[],"class_list":["post-38946","post","type-post","status-publish","format-standard","hentry","category-credit","category-boite-a-outils","category-mes-credits"],"yoast_head":"<title>Le cr\u00e9dit immobilier : Pr\u00e9parer et r\u00e9ussir son projet d&#039;achat - Cr\u00e9dit - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-immobilier\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le cr\u00e9dit immobilier : Pr\u00e9parer et r\u00e9ussir son projet d&#039;achat - Cr\u00e9dit - Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"og:description\" content=\"Acheter un logement est un projet important. Le cr\u00e9dit immobilier est g\u00e9n\u00e9ralement incontournable pour le financer, en tout ou partie. Il permet de rembourser les sommes emprunt\u00e9es, petit \u00e0 petit, en accord avec vos moyens. Voyons comment pr\u00e9parer un dossier et comparer les offres de cr\u00e9dit. 1. Quel est votre projet ? 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