{"id":546,"date":"2025-07-29T13:13:00","date_gmt":"2025-07-29T11:13:00","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/?p=546"},"modified":"2025-07-26T17:14:41","modified_gmt":"2025-07-26T15:14:41","slug":"je-pensais-que-cetait-impossible-ces-retraites-qui-parviennent-a-obtenir-un-credit-immobilier","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/je-pensais-que-cetait-impossible-ces-retraites-qui-parviennent-a-obtenir-un-credit-immobilier\/","title":{"rendered":"\u00ab\u00a0Je pensais que c&rsquo;\u00e9tait impossible\u00a0\u00bb : ces retrait\u00e9s qui parviennent \u00e0 obtenir un cr\u00e9dit immobilier"},"content":{"rendered":"\n<p>\u00c0 68 ans, Jean-Louis a r\u00e9alis\u00e9 l\u2019impensable : contracter un pr\u00eat pour s\u2019offrir une r\u00e9sidence secondaire en Provence. Son histoire, loin d\u2019\u00eatre isol\u00e9e, r\u00e9v\u00e8le une r\u00e9alit\u00e9 m\u00e9connue du syst\u00e8me bancaire fran\u00e7ais. Contrairement aux id\u00e9es re\u00e7ues, obtenir un cr\u00e9dit \u00e0 la retraite serait possible sous certaines conditions.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f1050b91ad3\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f1050b91ad3\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/je-pensais-que-cetait-impossible-ces-retraites-qui-parviennent-a-obtenir-un-credit-immobilier\/#Le_defi_des_%C2%AB_senior_borrowers_%C2%BB\" >Le d\u00e9fi des \u00ab\u00a0senior borrowers\u00a0\u00bb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/je-pensais-que-cetait-impossible-ces-retraites-qui-parviennent-a-obtenir-un-credit-immobilier\/#Lastuce_meconnue_des_prets_%C2%AB_transgenerationnels_%C2%BB\" >L\u2019astuce m\u00e9connue des pr\u00eats \u00ab\u00a0transg\u00e9n\u00e9rationnels\u00a0\u00bb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/je-pensais-que-cetait-impossible-ces-retraites-qui-parviennent-a-obtenir-un-credit-immobilier\/#Le_piege_des_credits_revolving\" >Le pi\u00e8ge des cr\u00e9dits revolving<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/je-pensais-que-cetait-impossible-ces-retraites-qui-parviennent-a-obtenir-un-credit-immobilier\/#Lalternative_des_prets_viagers_hypothecaires\" >L\u2019alternative des pr\u00eats viagers hypoth\u00e9caires<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/je-pensais-que-cetait-impossible-ces-retraites-qui-parviennent-a-obtenir-un-credit-immobilier\/#Les_3_questions_a_se_poser_avant_demprunter\" >Les 3 questions \u00e0 se poser avant d\u2019emprunter<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Le_defi_des_%C2%AB_senior_borrowers_%C2%BB\"><\/span>Le d\u00e9fi des \u00ab\u00a0senior borrowers\u00a0\u00bb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00ab\u00a0Quand j\u2019ai mentionn\u00e9 mon \u00e2ge \u00e0 la conseill\u00e8re, j\u2019ai cru qu\u2019elle allait rire\u00a0\u00bb, raconte Jean-Louis, ancien cadre dans l\u2019industrie pharmaceutique. Pourtant, apr\u00e8s analyse de son dossier, trois \u00e9tablissements ont donn\u00e9 leur accord.<\/p>\n\n\n\n<p>Selon les experts, les banques \u00e9valueraient d\u00e9sormais plusieurs crit\u00e8res au-del\u00e0 de l\u2019\u00e2ge :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le ratio mensualit\u00e9s\/revenus (ne d\u00e9passant g\u00e9n\u00e9ralement pas 33%)<\/li>\n\n\n\n<li>La pr\u00e9sence d\u2019un apport cons\u00e9quent (minimum 20-30%)<\/li>\n\n\n\n<li>L\u2019esp\u00e9rance de vie statistique du demandeur<\/li>\n\n\n\n<li>La qualit\u00e9 des garanties propos\u00e9es<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Lastuce_meconnue_des_prets_%C2%AB_transgenerationnels_%C2%BB\"><\/span>L\u2019astuce m\u00e9connue des pr\u00eats \u00ab\u00a0transg\u00e9n\u00e9rationnels\u00a0\u00bb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Martine, 63 ans, a opt\u00e9 pour une solution ing\u00e9nieuse : \u00ab\u00a0J\u2019ai fait co-emprunter ma fille pour r\u00e9duire le risque per\u00e7u par la banque\u00a0\u00bb. Cette pratique, en plein essor selon <a href=\"https:\/\/www.banque-france.fr\" target=\"_blank\" rel=\"noopener\">la Banque de France<\/a>, permettrait de contourner les limites d\u2019\u00e2ge tout en pr\u00e9parant la transmission.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u00ab\u00a0Avec notre syst\u00e8me de quotit\u00e9s, ma fille ne paiera que 30% des mensualit\u00e9s. \u00c0 mon d\u00e9c\u00e8s, elle r\u00e9cup\u00e9rera le bien sans frais de succession gr\u00e2ce \u00e0 l\u2019assurance d\u00e9c\u00e8s du pr\u00eat\u00a0\u00bb<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Le_piege_des_credits_revolving\"><\/span>Le pi\u00e8ge des cr\u00e9dits revolving<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Attention cependant : les organismes sp\u00e9cialis\u00e9s dans les cr\u00e9dits \u00e0 la consommation cibleraient particuli\u00e8rement les retrait\u00e9s. \u00ab\u00a0Ils m\u2019ont propos\u00e9 15 000\u20ac \u2018sans justificatif\u2019 pour r\u00e9nover ma cuisine\u00a0\u00bb, s\u2019indigne Robert, 71 ans. Ces offres all\u00e9chantes cachent souvent des TAEG prohibitifs (jusqu\u2019\u00e0 20% selon <a href=\"https:\/\/www.economie.gouv.fr\" target=\"_blank\" rel=\"noopener\">Bercy<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Lalternative_des_prets_viagers_hypothecaires\"><\/span>L\u2019alternative des pr\u00eats viagers hypoth\u00e9caires<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pour les propri\u00e9taires, une solution \u00e9mergerait : le pr\u00eat viager hypoth\u00e9caire. \u00ab\u00a0La banque me verse 1 200\u20ac par mois contre une cr\u00e9ance sur mon appartement\u00a0\u00bb, explique Suzanne, 76 ans. Ce syst\u00e8me, encadr\u00e9 par <a href=\"https:\/\/www.service-public.fr\" target=\"_blank\" rel=\"noopener\">le code de la consommation<\/a>, pr\u00e9senterait l\u2019avantage de ne pas impacter le niveau de vie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_3_questions_a_se_poser_avant_demprunter\"><\/span>Les 3 questions \u00e0 se poser avant d\u2019emprunter<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Mon assurance emprunteur couvrira-t-elle mon \u00e2ge ? (Certains contrats refusent les +70 ans)<\/li>\n\n\n\n<li>Ai-je pr\u00e9vu une marge en cas d\u2019al\u00e9as de sant\u00e9 ?<\/li>\n\n\n\n<li>Quel impact sur ma succession ? (Un cr\u00e9dit en cours complique souvent les donations)<\/li>\n<\/ol>\n\n\n\n<p>Alors que l\u2019\u00e2ge moyen du primo-acc\u00e9dant d\u00e9passe d\u00e9sormais 40 ans, les mentalit\u00e9s \u00e9voluent. \u00ab\u00a0Nous avons octroy\u00e9 18% de pr\u00eats de plus \u00e0 des retrait\u00e9s en 2024\u00a0\u00bb, confie sous couvert d\u2019anonymat un directeur d\u2019agence bancaire. La retraite ne signerait donc pas forc\u00e9ment la fin des projets immobiliers&#8230; \u00e0 condition de ma\u00eetriser les subtilit\u00e9s du syst\u00e8me.<\/p>\n\n\n\n<p><strong>Et vous ?<\/strong> Connaissez-vous des retrait\u00e9s ayant r\u00e9ussi \u00e0 emprunter ? Partagez leur strat\u00e9gie en commentaire.<\/p>\n\n\n\n<p><br><br>\u00ab\u00a0`<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;546&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;\\u0026quot;Je pensais que c\\u0026#039;\u00e9tait impossible\\u0026quot; : ces retrait\u00e9s qui parviennent \u00e0 obtenir un cr\u00e9dit immobilier&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 68 ans, Jean-Louis a r\u00e9alis\u00e9 l\u2019impensable : contracter un pr\u00eat pour s\u2019offrir une r\u00e9sidence secondaire en Provence. Son histoire, loin d\u2019\u00eatre isol\u00e9e, r\u00e9v\u00e8le une r\u00e9alit\u00e9 m\u00e9connue du syst\u00e8me bancaire fran\u00e7ais. Contrairement aux id\u00e9es re\u00e7ues, obtenir un cr\u00e9dit \u00e0 la retraite serait possible sous certaines conditions. Le d\u00e9fi des \u00ab\u00a0senior borrowers\u00a0\u00bb \u00ab\u00a0Quand j\u2019ai mentionn\u00e9 mon &#8230; <a title=\"\u00ab\u00a0Je pensais que c&rsquo;\u00e9tait impossible\u00a0\u00bb : ces retrait\u00e9s qui parviennent \u00e0 obtenir un cr\u00e9dit immobilier\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/je-pensais-que-cetait-impossible-ces-retraites-qui-parviennent-a-obtenir-un-credit-immobilier\/\" aria-label=\"En savoir plus sur \u00ab\u00a0Je pensais que c&rsquo;\u00e9tait impossible\u00a0\u00bb : ces retrait\u00e9s qui parviennent \u00e0 obtenir un cr\u00e9dit immobilier\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":547,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>&quot;Je pensais que c&#039;\u00e9tait impossible&quot; : ces retrait\u00e9s qui parviennent \u00e0 obtenir un cr\u00e9dit immobilier - Rachat de Cr\u00e9dit<\/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:\/\/rachat2credit.fr\/guide\/je-pensais-que-cetait-impossible-ces-retraites-qui-parviennent-a-obtenir-un-credit-immobilier\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;Je pensais que c&#039;\u00e9tait impossible&quot; : ces retrait\u00e9s qui parviennent \u00e0 obtenir un cr\u00e9dit immobilier - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00c0 68 ans, Jean-Louis a r\u00e9alis\u00e9 l\u2019impensable : contracter un pr\u00eat pour s\u2019offrir une r\u00e9sidence secondaire en Provence. Son histoire, loin d\u2019\u00eatre isol\u00e9e, r\u00e9v\u00e8le une r\u00e9alit\u00e9 m\u00e9connue du syst\u00e8me bancaire fran\u00e7ais. Contrairement aux id\u00e9es re\u00e7ues, obtenir un cr\u00e9dit \u00e0 la retraite serait possible sous certaines conditions. Le d\u00e9fi des \u00ab\u00a0senior borrowers\u00a0\u00bb \u00ab\u00a0Quand j\u2019ai mentionn\u00e9 mon ... 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