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Le financement de l'acquisition d'un logement est en general une combinaison de fonds propres et d'un pret hypothecaire (une proportion de 20% de fonds propres pour 80% de fonds etrangers etant assez repandue en Suisse). Les fonds propres peuvent provenir des economies personnelles Vladimir Ducasse Bills Jersey , d'une aide familiale ou autre (pret, donation) ou aussi d'un mecanisme d'aide à l'acquisition du logement.


Les aides
Il existe plusieurs mecanismes legaux (federaux et cantonaux) d'aide à l'acquisition d'un bien immobilier. Le plus courant releve de la loi federale sur l'encouragement à la propriete du logement au moyen de la prevoyance professionnelle (2e pilier) qui prevoit qu'un assure peut utiliser son avoir de libre passage pour acquerir son logement. Les fonds peuvent etre obtenus par versement anticipe du capital ou par mise en gage de l'avoir de libre passage. Il faut aussi imperativement qu'il s'agisse du logement principal à l'exclusion d'une residence secondaire.


Le pret immobilier (dit hypothecaire)
C'est un pret accorde par une banque ou une assurance et garanti par un bien immobilier.


Il y a deux modes de prets :
Avec amortissement direct : le capital est rembourse regulierement et la part des interets dans le remboursement diminuent à chaque paiement ;


Avec amortissement indirect : le beneficiaire du pret conclut une assurance-vie. Il paiera regulierement ses primes d'assurance vie mais ne remboursera pas d'amortissement du capital du a la banque preteuse. A l'echeance de l'assurance, le capital est verse comme amortissement unique de la dette hypothecaire. Cette derniere reste donc constante pendant toute la duree du credit.


Les frais d'acquisition
A l'occasion de la conclusion de la promesse de vente et d'achat Ryan Groy Bills Jersey , l'acheteur versera le plus souvent au vendeur un acompte representant environ 10% de la valeur du bien immobilier.
Les frais se montent dans la majorite des cas à environ 4 % du prix du bien comprenant 3% d'impôts, 0.3% de frais d'enregistrement au Registre Foncier et 0.7% de frais de notaire.


Il est recommande de se faire conseiller pour l'achat d'un bien immobilier. Vous pouvez contacter : super-credit.ch


Le financement de l’achat d’un logement en Suisse


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