{"id":561,"date":"2025-07-30T15:19:00","date_gmt":"2025-07-30T13:19:00","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/?p=561"},"modified":"2025-07-26T17:19:54","modified_gmt":"2025-07-26T15:19:54","slug":"pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/","title":{"rendered":"\u00ab\u00a0Pr\u00eat immobilier apr\u00e8s 60 ans : est-ce encore possible en 2025 ?\u00a0\u00bb"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Alors que l\u2019\u00e2ge de la retraite recule et que les projets de vie \u00e9voluent, de nombreux seniors se demandent s\u2019ils peuvent encore souscrire un pr\u00eat immobilier apr\u00e8s 60 ans. Entre durcissement des crit\u00e8res bancaires et r\u00e9alit\u00e9s \u00e9conomiques, la r\u00e9ponse n\u2019est pas toujours \u00e9vidente.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 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-6a2f9f0383bac\" 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-6a2f9f0383bac\" 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\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/#Le_cas_de_Jean_63_ans_%C2%AB_Je_pensais_que_cetait_trop_tard_pour_emprunter_%C2%BB\" >Le cas de Jean, 63 ans : \u00ab\u00a0Je pensais que c\u2019\u00e9tait trop tard pour emprunter\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\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/#Ce_que_disent_les_textes_pas_dinterdiction_legale_mais%E2%80%A6\" >Ce que disent les textes : pas d\u2019interdiction l\u00e9gale mais&#8230;<\/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\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/#Les_3_strategies_qui_marchent_selon_les_courtiers\" >Les 3 strat\u00e9gies qui marchent selon les courtiers<\/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\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/#Lalternative_meconnue_le_pret_viager_hypothecaire\" >L\u2019alternative m\u00e9connue : le pr\u00eat viager hypoth\u00e9caire<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/#Ce_que_cachent_les_refus_bancaires\" >Ce que cachent les refus bancaires<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/#Et_si_la_solution_venait_des_banques_en_ligne\" >Et si la solution venait des banques en ligne ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rachat2credit.fr\/guide\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/#Votre_tour_et_vous_quel_est_votre_projet\" >Votre tour : et vous, quel est votre projet ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Le_cas_de_Jean_63_ans_%C2%AB_Je_pensais_que_cetait_trop_tard_pour_emprunter_%C2%BB\"><\/span>Le cas de Jean, 63 ans : \u00ab\u00a0Je pensais que c\u2019\u00e9tait trop tard pour emprunter\u00a0\u00bb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jean, ancien cadre dans l\u2019industrie, a contact\u00e9 six banques avant d\u2019obtenir un accord de principe. \u00ab\u00a0\u00c0 63 ans, avec un revenu stable mais une retraite qui approche, les refus s\u2019encha\u00eenaient. La septi\u00e8me banque a finalement accept\u00e9, \u00e0 condition que je souscrive une assurance d\u00e9c\u00e8s renforc\u00e9e\u00a0\u00bb, raconte-t-il.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Son projet ? Acheter une r\u00e9sidence secondaire en Provence pour y passer sa retraite. \u00ab\u00a0L\u2019argument qui a fait la diff\u00e9rence : mon apport de 40% et mon dossier sans aucun red flag.\u00a0\u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_que_disent_les_textes_pas_dinterdiction_legale_mais%E2%80%A6\"><\/span>Ce que disent les textes : pas d\u2019interdiction l\u00e9gale mais&#8230;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement \u00e0 une id\u00e9e re\u00e7ue, <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F42\" target=\"_blank\" rel=\"noopener\">aucune loi n\u2019interdit les pr\u00eats aux seniors<\/a>. Pourtant, les banques appliquent des r\u00e8gles internes souvent drastiques :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dur\u00e9e maximale raccourcie pour limiter le risque<\/li>\n\n\n\n<li>Exigence d\u2019un taux d\u2019endettement inf\u00e9rieur \u00e0 30%<\/li>\n\n\n\n<li>Pr\u00e9sence obligatoire d\u2019un garant ou d\u2019un hypoth\u00e8que<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_3_strategies_qui_marchent_selon_les_courtiers\"><\/span>Les 3 strat\u00e9gies qui marchent selon les courtiers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Plusieurs experts interrog\u00e9s sugg\u00e8rent des approches adapt\u00e9es :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Jouer sur la dur\u00e9e<\/strong> : privil\u00e9gier des emprunts sur 10-12 ans maximum<\/li>\n\n\n\n<li><strong>Miser sur l\u2019apport<\/strong> : viser au moins 30% du montant total<\/li>\n\n\n\n<li><strong>Assurances sur-mesure<\/strong> : n\u00e9gocier des garanties d\u00e9c\u00e8s\/invalidit\u00e9 adapt\u00e9es<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab\u00a0Ce qui effraie les banques, ce n\u2019est pas l\u2019\u00e2ge mais le risque de non-remboursement. Un senior avec des revenus stables et un projet r\u00e9aliste a ses chances\u00a0\u00bb, explique Marie Lambert, courti\u00e8re depuis 15 ans.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Lalternative_meconnue_le_pret_viager_hypothecaire\"><\/span>L\u2019alternative m\u00e9connue : le pr\u00eat viager hypoth\u00e9caire<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Peu connu en France, ce dispositif permet aux plus de 60 ans de transformer tout ou partie de leur patrimoine en rente viag\u00e8re. L\u2019\u00e9tablissement pr\u00eateur devient propri\u00e9taire au d\u00e9c\u00e8s, mais le senior conserve l\u2019usufruit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab\u00a0C\u2019est id\u00e9al pour compl\u00e9ter ses revenus sans vendre son logement\u00a0\u00bb, commente un conseiller de la <a href=\"https:\/\/www.economie.gouv.fr\/particuliers\/pret-viager-hypothecaire\" target=\"_blank\" rel=\"noopener\">Direction G\u00e9n\u00e9rale des Finances Publiques<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_que_cachent_les_refus_bancaires\"><\/span>Ce que cachent les refus bancaires<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Derri\u00e8re les motifs \u00ab\u00a0d\u2019\u00e2ge avanc\u00e9\u00a0\u00bb se cachent souvent d\u2019autres r\u00e9alit\u00e9s :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Revenus jug\u00e9s insuffisants pour couvrir les mensualit\u00e9s<\/li>\n\n\n\n<li>Projet per\u00e7u comme trop risqu\u00e9 (investissement locatif notamment)<\/li>\n\n\n\n<li>Manque de garanties solides (absence de biens en hypoth\u00e8que)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Et_si_la_solution_venait_des_banques_en_ligne\"><\/span>Et si la solution venait des banques en ligne ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines n\u00e9obanques comme Boursorama ou Hello Bank! proposent des conditions plus souples pour les seniors actifs. Leur algorithme prendrait moins en compte l\u2019\u00e2ge que la solidit\u00e9 globale du dossier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 m\u00e9diter : en 2023, 18% des pr\u00eats immobiliers accord\u00e9s \u00e0 des 60+ l\u2019ont \u00e9t\u00e9 via des \u00e9tablissements en ligne (source : Observatoire Cr\u00e9dit Logement).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Votre_tour_et_vous_quel_est_votre_projet\"><\/span>Votre tour : et vous, quel est votre projet ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Comme Jean, vous r\u00eavez d\u2019acheter un pied-\u00e0-terre pour vos petits-enfants ? De devenir propri\u00e9taire enfin ? Les solutions existent &#8211; \u00e0 condition de bien pr\u00e9parer son dossier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et si vous lisiez maintenant notre article sur les 5 erreurs \u00e0 \u00e9viter quand on emprunte apr\u00e8s 50 ans ? Vous y d\u00e9couvrirez comment maximiser vos chances d\u2019obtenir un \u00ab\u00a0oui\u00a0\u00bb bancaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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;561&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;Pr\u00eat immobilier apr\u00e8s 60 ans : est-ce encore possible en 2025 ?\\u0026quot;&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>Alors que l\u2019\u00e2ge de la retraite recule et que les projets de vie \u00e9voluent, de nombreux seniors se demandent s\u2019ils peuvent encore souscrire un pr\u00eat immobilier apr\u00e8s 60 ans. Entre durcissement des crit\u00e8res bancaires et r\u00e9alit\u00e9s \u00e9conomiques, la r\u00e9ponse n\u2019est pas toujours \u00e9vidente. Le cas de Jean, 63 ans : \u00ab\u00a0Je pensais que c\u2019\u00e9tait trop &#8230; <a title=\"\u00ab\u00a0Pr\u00eat immobilier apr\u00e8s 60 ans : est-ce encore possible en 2025 ?\u00a0\u00bb\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/\" aria-label=\"En savoir plus sur \u00ab\u00a0Pr\u00eat immobilier apr\u00e8s 60 ans : est-ce encore possible en 2025 ?\u00a0\u00bb\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":562,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-561","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 v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>&quot;Pr\u00eat immobilier apr\u00e8s 60 ans : est-ce encore possible en 2025 ?&quot; - 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\/pret-immobilier-apres-60-ans-est-ce-encore-possible-en-2025\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;Pr\u00eat immobilier apr\u00e8s 60 ans : est-ce encore possible en 2025 ?&quot; - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Alors que l\u2019\u00e2ge de la retraite recule et que les projets de vie \u00e9voluent, de nombreux seniors se demandent s\u2019ils peuvent encore souscrire un pr\u00eat immobilier apr\u00e8s 60 ans. Entre durcissement des crit\u00e8res bancaires et r\u00e9alit\u00e9s \u00e9conomiques, la r\u00e9ponse n\u2019est pas toujours \u00e9vidente. Le cas de Jean, 63 ans : \u00ab\u00a0Je pensais que c\u2019\u00e9tait trop ... 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