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La modulation des prêts en cours est une solution lorsque l’on a repéré une maison en vente à Vienne !

Vous avez trouvé la maison de vos rêves à Vienne ? Vous souhaitez l’acheter ? Or, dans un contexte de durcissement des conditions d’octroi, il est plus que jamais important d’optimiser sa demande de prêt. Alors, quelles sont les options pour demeurer sous la barre des 33 % d’endettement ? Face à ce durcissement des conditions d’octroi, les courtiers mettent en place différents types d’optimisations des montages, dont la modulation des prêts en cours.

De quoi s’agit-il ?
Avoir un prêt immobilier en cours a souvent un impact majeur pour le taux d’endettement évalué avant un nouveau prêt. Toutefois la plupart des offres de prêt immobilier proposent la possibilité de réduire les mensualités en allongeant la durée du financement : cette option peut être une solution efficace pour réduire son taux d’endettement avant le nouveau financement. Beaucoup de banques proposent ainsi une modulation permettant de rallonger jusqu’à 2 ans un prêt souscrit depuis au moins 12 mois.

Exemple d’un couple d’emprunteurs, percevant 90 000 € de salaire annuel brut et ayant un prêt en cours d’une durée restante de 10 ans (pour une résidence principale acquise à 335 000 € et avec un capital restant dû de 200 000 €). Leur mensualité est aujourd’hui de 1 450 € par mois, ce qui porte leur taux d’endettement actuel à 24,9 %. En l’état, leur capacité d’endettement leur permettrait d’acquérir un bien locatif d’un montant de 140 000 € (apport de 15 000€, loyer perçu de 600€, endettement total de 33 %). En activant la modularité de leur prêt actuel (allongement de 2 ans), leur endettement actuel passerait à 21.1% (mensualité de 1 250€), ce qui leur permettrait alors d’acquérir un nouveau bien pour un montant de 200 000 € (apport de 15 000€, loyer perçu de 800 €, endettement total de 33 %). Et donc un gain de 60 000 € de capacité supplémentaire.

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