{"id":549,"date":"2025-07-29T13:14:00","date_gmt":"2025-07-29T11:14:00","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/?p=549"},"modified":"2025-07-26T17:15:39","modified_gmt":"2025-07-26T15:15:39","slug":"emprunter-a-un-certain-age-pourquoi-est-ce-si-difficile","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/emprunter-a-un-certain-age-pourquoi-est-ce-si-difficile\/","title":{"rendered":"Emprunter \u00e0 un certain \u00e2ge : pourquoi est-ce si difficile ?"},"content":{"rendered":"\n<p>\u00c0 60 ans pass\u00e9s, obtenir un pr\u00eat immobilier ou un cr\u00e9dit \u00e0 la consommation pourrait relever du parcours du combattant. Entre durcissement des conditions bancaires et st\u00e9r\u00e9otypes sur l&rsquo;\u00e2ge, les seniors se heurtent \u00e0 des obstacles invisibles mais bien r\u00e9els.<\/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-69f1050c63ec8\" 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-69f1050c63ec8\" 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\/emprunter-a-un-certain-age-pourquoi-est-ce-si-difficile\/#%C2%AB_A_63_ans_on_ma_refuse_un_pret_pour_renover_ma_maison_%C2%BB\" >\u00ab\u00a0\u00c0 63 ans, on m&rsquo;a refus\u00e9 un pr\u00eat pour r\u00e9nover ma maison\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\/emprunter-a-un-certain-age-pourquoi-est-ce-si-difficile\/#Les_trois_barrieres_invisibles\" >Les trois barri\u00e8res invisibles<\/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\/emprunter-a-un-certain-age-pourquoi-est-ce-si-difficile\/#Les_strategies_qui_pourraient_changer_la_donne\" >Les strat\u00e9gies qui pourraient changer la donne<\/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\/emprunter-a-un-certain-age-pourquoi-est-ce-si-difficile\/#Un_changement_de_paradigme_en_vue\" >Un changement de paradigme en vue ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%AB_A_63_ans_on_ma_refuse_un_pret_pour_renover_ma_maison_%C2%BB\"><\/span>\u00ab\u00a0\u00c0 63 ans, on m&rsquo;a refus\u00e9 un pr\u00eat pour r\u00e9nover ma maison\u00a0\u00bb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jean-Luc, artisan retrait\u00e9 de Haute-Savoie, pensait pourtant avoir un dossier solide : \u00ab\u00a020% d&rsquo;apport, des revenus compl\u00e9mentaires stables et un bien en garantie. Pourtant, trois banques ont oppos\u00e9 un refus cat\u00e9gorique. La conseill\u00e8re m&rsquo;a gliss\u00e9 que pass\u00e9 60 ans, les algorithmes de scoring nous p\u00e9nalisent automatiquement.\u00a0\u00bb<\/p>\n\n\n\n<p>Ce t\u00e9moignage n&rsquo;est pas isol\u00e9. Selon une <a href=\"https:\/\/www.banque-france.fr\" target=\"_blank\" rel=\"noopener\">\u00e9tude de la Banque de France<\/a>, les demandes de cr\u00e9dit des 60-70 ans seraient rejet\u00e9es 2,3 fois plus souvent que celles des quadrag\u00e9naires \u00e0 profil \u00e9quivalent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_trois_barrieres_invisibles\"><\/span>Les trois barri\u00e8res invisibles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. L&rsquo;\u00e9p\u00e9e de Damocl\u00e8s de l&rsquo;esp\u00e9rance de vie<\/strong><br>Les \u00e9tablissements financiers appliqueraient une r\u00e8gle non \u00e9crite : ne pas d\u00e9passer 85 ans \u00e0 la fin du remboursement. \u00ab\u00a0Certains pr\u00eateurs pourraient exiger des garanties suppl\u00e9mentaires d\u00e8s que la dur\u00e9e du cr\u00e9dit d\u00e9passe l&rsquo;\u00e2ge l\u00e9gal de retraite\u00a0\u00bb, sugg\u00e8re un rapport du Haut Conseil de Stabilit\u00e9 Financi\u00e8re.<\/p>\n\n\n\n<p><strong>2. Le mirage des revenus stables<\/strong><br>Les pensions de retraite, bien que r\u00e9guli\u00e8res, seraient per\u00e7ues comme moins \u00ab\u00a0solides\u00a0\u00bb que des salaires. \u00ab\u00a0Un banquier m&rsquo;a clairement dit pr\u00e9f\u00e9rer un CDI \u00e0 2000\u20ac qu&rsquo;une retraite \u00e0 2500\u20ac\u00a0\u00bb, confie Marie, 67 ans.<\/p>\n\n\n\n<p><strong>3. Le biais algorithmique<\/strong><br>Les syst\u00e8mes de scoring automatis\u00e9s int\u00e9greraient des param\u00e8tres d\u00e9favorables aux seniors. Sans transparence sur ces calculs, il deviendrait impossible de contester cette \u00ab\u00a0discrimination num\u00e9rique\u00a0\u00bb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_strategies_qui_pourraient_changer_la_donne\"><\/span>Les strat\u00e9gies qui pourraient changer la donne<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>L&rsquo;assurance emprunteur sur mesure<\/strong><br>Certains courtiers sp\u00e9cialis\u00e9s n\u00e9gocieraient des contrats sans questionnaire m\u00e9dical jusqu&rsquo;\u00e0 75 ans. \u00ab\u00a0Nous avons obtenu un pr\u00eat \u00e0 68 ans en limitant la dur\u00e9e \u00e0 12 ans et en acceptant un taux l\u00e9g\u00e8rement major\u00e9\u00a0\u00bb, t\u00e9moigne un couple de Bordelais.<\/p>\n\n\n\n<p><strong>La solution des pr\u00eats entre particuliers<\/strong><br>Les plateformes de peer-to-peer lending semblent moins sensibles \u00e0 l&rsquo;\u00e2ge qu&rsquo;\u00e0 la solidit\u00e9 globale du projet. \u00ab\u00a0Les investisseurs regardent d&rsquo;abord la rentabilit\u00e9 et les garanties\u00a0\u00bb, analyse un expert du secteur.<\/p>\n\n\n\n<p><strong>Le levier de la transmission<\/strong><br>Inclure un enfant comme co-emprunteur permettrait de rajeunir le dossier. \u00ab\u00a0Cette solution repr\u00e9senterait 40% des cr\u00e9dits immobiliers accord\u00e9s aux plus de 65 ans\u00a0\u00bb, r\u00e9v\u00e8le une \u00e9tude de march\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Un_changement_de_paradigme_en_vue\"><\/span>Un changement de paradigme en vue ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Avec l&rsquo;allongement de la dur\u00e9e de vie active et la r\u00e9forme des retraites, les mentalit\u00e9s \u00e9volueraient lentement. La <a href=\"https:\/\/www.service-public.fr\" target=\"_blank\" rel=\"noopener\">loi Sapin 2<\/a> interdit d\u00e9j\u00e0 la discrimination par l&rsquo;\u00e2ge, mais son application concr\u00e8te dans le cr\u00e9dit resterient limit\u00e9e.<\/p>\n\n\n\n<p>\u00ab\u00a0Les banques commettraient une erreur strat\u00e9gique en ignorant cette client\u00e8le\u00a0\u00bb, estime un analyste financier. \u00ab\u00a0Avec 15 millions de Fran\u00e7ais \u00e2g\u00e9s de plus de 60 ans, ce march\u00e9 repr\u00e9senterait un potentiel de 120 milliards d&rsquo;euros.\u00a0\u00bb<\/p>\n\n\n\n<p>En attendant ce possible revirement, les seniors devraient multiplier les comparatifs et s&rsquo;armer de patience. Comme le r\u00e9sume Jean-Luc : \u00ab\u00a0Finalement, c&rsquo;est la quatri\u00e8me banque qui a accept\u00e9, mais \u00e0 condition que mon fils se porte caution. Une victoire en demi-teinte.\u00a0\u00bb<\/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;549&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;1&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&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;5\\\/5 - (1 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Emprunter \u00e0 un certain \u00e2ge : pourquoi est-ce si difficile ?&quot;,&quot;width&quot;:&quot;142.5&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: 142.5px;\">\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            5\/5 - (1 vote)    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 60 ans pass\u00e9s, obtenir un pr\u00eat immobilier ou un cr\u00e9dit \u00e0 la consommation pourrait relever du parcours du combattant. Entre durcissement des conditions bancaires et st\u00e9r\u00e9otypes sur l&rsquo;\u00e2ge, les seniors se heurtent \u00e0 des obstacles invisibles mais bien r\u00e9els. \u00ab\u00a0\u00c0 63 ans, on m&rsquo;a refus\u00e9 un pr\u00eat pour r\u00e9nover ma maison\u00a0\u00bb Jean-Luc, artisan retrait\u00e9 &#8230; <a title=\"Emprunter \u00e0 un certain \u00e2ge : pourquoi est-ce si difficile ?\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/emprunter-a-un-certain-age-pourquoi-est-ce-si-difficile\/\" aria-label=\"En savoir plus sur Emprunter \u00e0 un certain \u00e2ge : pourquoi est-ce si difficile ?\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":550,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-549","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>Emprunter \u00e0 un certain \u00e2ge : pourquoi est-ce si difficile ? - 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\/emprunter-a-un-certain-age-pourquoi-est-ce-si-difficile\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Emprunter \u00e0 un certain \u00e2ge : pourquoi est-ce si difficile ? - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00c0 60 ans pass\u00e9s, obtenir un pr\u00eat immobilier ou un cr\u00e9dit \u00e0 la consommation pourrait relever du parcours du combattant. Entre durcissement des conditions bancaires et st\u00e9r\u00e9otypes sur l&rsquo;\u00e2ge, les seniors se heurtent \u00e0 des obstacles invisibles mais bien r\u00e9els. \u00ab\u00a0\u00c0 63 ans, on m&rsquo;a refus\u00e9 un pr\u00eat pour r\u00e9nover ma maison\u00a0\u00bb Jean-Luc, artisan retrait\u00e9 ... 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