{"id":2380,"date":"2019-12-05T21:01:54","date_gmt":"2019-12-05T20:01:54","guid":{"rendered":"https:\/\/myoceane.fr\/?p=2380"},"modified":"2019-12-06T21:10:10","modified_gmt":"2019-12-06T20:10:10","slug":"hypotheque-ou-credit-logement","status":"publish","type":"post","link":"https:\/\/myoceane.fr\/index.php\/hypotheque-ou-credit-logement\/","title":{"rendered":"[\u8cb7\u623f] Hypoth\u00e8que\/Cr\u00e9dit Logement"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p style=\"text-align: justify;\">\u5728<a href=\"https:\/\/myoceane.fr\/index.php\/%e8%b2%b7%e6%88%bf-%e6%b3%95%e5%9c%8b%e8%b3%bc%e7%bd%ae%e6%88%bf%e5%9c%b0%e7%94%a2%e7%9a%84-10-%e5%80%8b%e6%ad%a5%e9%a9%9f\/\">\u4e0a\u4e00\u7bc7\u6cd5\u570b\u8cb7\u623f\u7684\u4ecb\u7d39<\/a>\u88e1\u9762\uff0c\u6211\u5011\u4ecb\u7d39\u4e86\u6cd5\u570b\u8cb7\u623f\u7684\u5341\u500b\u6b65\u9a5f\uff0c\u672c\u7bc7\u8981\u8b1b\u89e3\u4e00\u4e0b\u5728\u6cd5\u570b\u8cfc\u5c4b\u8cb8\u6b3e\u6642\u6703\u501f\u6b3e\u65b9\u9700\u8981\u9084\u6b3e\u65b9\u63d0\u4f9b\u7684\u64d4\u4fdd\u9078\u9805\uff0c\u5176\u4e2d\u4e3b\u8981\u7684\u9078\u9805\u6709 Hypoth\u00e8que \b(\u62b5\u62bc)\u6216\u662f Cr\u00e9dit Logement (\u623f\u5c4b\u4fe1\u7528)\u9019\u5169\u6a23\uff0c\u4ed6\u5011\u6709\u5404\u81ea\u7684\u512a\u7f3a\u9ede\uff0c\u8b93\u6211\u5011\u4e00\u8d77\u4f86\u770b\u770b\u5728\u6cd5\u570b\u8cb8\u6b3e\u6642\u5019\u6703\u9047\u5230\u7684\u6280\u8853\u554f\u984c\u5427\uff01\u672c\u7bc7\u53c3\u8003\u6b64\u7db2\u7ad9<a href=\"https:\/\/www.consortium-immobilier.fr\/guide\/argent\/3\/10\/43\/65\/\">\u9023\u7d50<\/a>\u7684\u5167\u5bb9\uff0c\u7db2\u8def\u4e0a\u4e5f\u4e0d\u5c11\u8cc7\u8a0a\uff0c\u672c\u7bc7\u5e0c\u671b\u53ef\u4ee5\u7d66\u51fa\u4e00\u500b\u6bd4\u8f03\u5feb\u901f\u7684\u6982\u5ff5\u3002<\/p>\n\n\n\n<p style=\"text-align: justify;\">Au moment de souscrire une offre de cr\u00e9dit, l\u2019emprunteur est tenu de contracter une assurance-cr\u00e9dit immobilier. En parall\u00e8le, la banque impose souvent la souscription d\u2019une garantie compl\u00e9mentaire. Le plus souvent, il s\u2019agit soit d\u2019une garantie personnelle (de type cr\u00e9dit logement) soit d\u2019une garantie r\u00e9elle (de type hypoth\u00e8que). Mais comment choisir entre les deux types de garanties ?<\/p>\n<p style=\"text-align: justify;\">\u5728\u53d6\u5f97\u4e00\u500b\u4fe1\u7528\u8cb8\u6b3e\u7684\u6642\u5019\uff0c\u501f\u6b3e\u4eba\u6703\u88ab\u8981\u6c42\u8981\u64c1\u6709\u4e00\u500b\u623f\u5730\u7522\u4fe1\u7528\u4fdd\u96aa\uff0c\u540c\u6642\u9280\u884c\u901a\u5e38\u4e5f\u6703\u8981\u6c42\u501f\u6b3e\u4eba\u8981\u64c1\u6709\u4e00\u500b\u76f8\u5c0d\u61c9\u7684\u64d4\u4fdd\uff0c\u901a\u5e38\u4f86\u8aaa\u9019\u7a2e\u64d4\u4fdd\u6307\u7684\u662f\u500b\u4eba\u7684\u4fe1\u7528\u64d4\u4fdd(\u623f\u5c4b\u4fe1\u7528)\u6216\u662f\u4e00\u500b\u5be6\u8cea\u7684\u64d4\u4fdd\uff0c\u5be6\u8cea\u7684\u62b5\u62bc\u54c1\uff0c\u4f46\u662f\u6211\u5011\u61c9\u8a72\u8981\u600e\u9ebc\u9078\u64c7\u5462\uff1f<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Cr\u00e9dit Logement \u623f\u5c4b\u4fe1\u7528<\/h4>\n\n\n\n<p style=\"text-align: justify;\">Le Cr\u00e9dit Logement est une garantie offerte par la soci\u00e9t\u00e9 du m\u00eame nom, en couverture des pr\u00eats immobiliers contract\u00e9s aupr\u00e8s d\u2019\u00e9tablissements pr\u00eateurs. La garantie Cr\u00e9dit Logement est avantageuse \u00e0 bien des \u00e9gards. Elle permet ainsi d\u2019offrir une couverture financi\u00e8re du pr\u00eat octroy\u00e9 en cas de d\u00e9faillance de l\u2019emprunteur. Cette garantie personnalis\u00e9e est tr\u00e8s s\u00e9curisante pour le banquier pr\u00eateur du fait de l\u2019engagement personnel de la caution.<\/p>\n<p style=\"text-align: justify;\">Elle permet ainsi d\u2019obtenir facilement un cr\u00e9dit immobilier. Du c\u00f4t\u00e9 de l\u2019emprunteur, celui-ci n\u2019est pas en reste puisqu\u2019il pourra r\u00e9cup\u00e9rer une partie des frais de garantie vers\u00e9s \u00e0 l\u2019issue du pr\u00eat ou en cas de remboursement anticip\u00e9. Sur le plan des inconv\u00e9nients, la soci\u00e9t\u00e9 de cautionnement pourra se retourner contre l\u2019emprunteur d\u00e9faillant et exercer contre ce dernier une action r\u00e9cursoire apr\u00e8s couverture de la dette d\u2019emprunt.<\/p>\n<p>\u623f\u5c4b\u4fe1\u7528\u662f\u7531 Cr\u00e9dit Logement \u9019\u9593\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u64d4\u4fdd\uff0c\u4ed6\u7684\u63d0\u4f9b\u51fa\u501f\u8cb8\u6b3e\u65b9\u4e00\u500b\u4fdd\u969c\uff0c\u623f\u5c4b\u8cb8\u6b3e\u5728\u5f88\u591a\u65b9\u9762\u90fd\u5177\u6709\u512a\u52e2\uff0c\u4ed6\u53ef\u70ba\u501f\u6b3e\u4eba\u9055\u7d04\u6642\u63d0\u4f9b\u7684\u8cb8\u6b3e\u63d0\u4f9b\u8ca1\u52d9\u64d4\u4fdd\u3002\u7531\u65bc\u64d4\u4fdd\u4eba\u7684\u500b\u4eba\u627f\u8afe\uff0c\u9019\u7a2e\u500b\u4eba\u5316\u7684\u64d4\u4fdd\u5c0d\u65bc\u8cb8\u6b3e\u9280\u884c\u4f86\u8aaa\u662f\u975e\u5e38\u4ee4\u4eba\u653e\u5fc3\u7684\u3002<\/p>\n<p>\u623f\u5c4b\u4fe1\u7528\u662f\u4e00\u500b\u76f8\u5c0d\u5bb9\u6613\u53d6\u5f97\u7684\u64d4\u4fdd\uff0c\u5c0d\u501f\u6b3e\u4eba\u800c\u8a00\u4ed6\u6c92\u6709\u592a\u591a\u640d\u5931\uff0c\u56e0\u70ba\u5b83\u53ef\u4ee5\u6536\u56de\u5728\u8cb8\u6b3e\u672b\u671f\u6216\u63d0\u65e9\u9084\u6b3e\u6642\u652f\u4ed8\u7684\u90e8\u5206\u64d4\u4fdd\u8cbb\u3002\u4ed6\u7684\u7f3a\u9ede\u662f\u64d4\u4fdd\u7684\u6a5f\u69cb\u53ef\u4ee5\u8ffd\u56de\u9055\u7d04\u7684\u501f\u6b3e\u4eba\uff0c\u4e26\u4e14\u5c0d\u5f8c\u8005\u63d0\u51fa\u8ffd\u7d22\u6b0a\u8981\u6c42\u6e05\u511f\u50b5\u52d9\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Hypoth\u00e8que \u5be6\u9ad4\u62b5\u62bc<\/h4>\n\n\n\n<p>L\u2019hypoth\u00e8que est une garantie r\u00e9elle, c&#8217;est-\u00e0-dire qui porte sur des biens ou des droits immobiliers appartenant au d\u00e9biteur emprunteur. A ce titre, son assiette repose sur le patrimoine immobilier de ce dernier. L\u2019hypoth\u00e8que \u00e9tant une s\u00fbret\u00e9 \u00e0 la carte, elle permet de garantir la cr\u00e9ance de l\u2019\u00e9tablissement pr\u00eateur en affectant un ou plusieurs biens ou droits immobiliers pr\u00e9cis \u00e0 la couverture de la dette. L\u2019identification pr\u00e9cise des biens grev\u00e9s d\u2019hypoth\u00e8que est de nature \u00e0 s\u00e9curiser le banquier pr\u00eateur pour l\u2019octroi du cr\u00e9dit immobilier.<\/p>\n<p>\u62b5\u62bc\u662f\u4e00\u500b\u5be6\u9ad4\u7684\u64d4\u4fdd\uff0c\u5c31\u662f\u8aaa\u5c07\u5be6\u9ad4\u7684\u8ca1\u7522\u6216\u662f\u623f\u5730\u7522\u7684\u6b0a\u5229\u4ea4\u7d66\u50b5\u6b0a\u65b9\uff0c\u901a\u5e38\u662f\u501f\u6b3e\u4eba\u7684\u4e0d\u52d5\u8cc7\u7522\uff0c\u5be6\u9ad4\u62b5\u62bc\u5c31\u662f\u4e00\u500b\u7d19\u4e0a\u5f88\u660e\u78ba\u7684\u4fdd\u8b49\uff0c\u5b83\u901a\u904e\u5206\u914d\u7279\u5b9a\u65bc\u50b5\u52d9\u8986\u84cb\u7bc4\u570d\u7684\u4e00\u9805\u6216\u591a\u9805\u8ca1\u7522\u6216\u623f\u5730\u7522\u6b0a\u4f86\u5e6b\u52a9\u78ba\u4fdd\u8cb8\u6b3e\u6a5f\u69cb\u7684\u50b5\u6b0a\u3002\u62b5\u62bc\u6240\u6d89\u8ca8\u7269\u7684\u6e96\u78ba\u8b58\u5225\u5f88\u53ef\u80fd\u6703\u78ba\u4fdd\u9280\u884c\u653e\u8cb8\u4eba\u7372\u5f97\u62b5\u62bc\u3002<\/p>\n<p>Cependant, l\u2019hypoth\u00e8que pr\u00e9sente plusieurs inconv\u00e9nients. Tout d\u2019abord, sa constitution est assez lourde en termes de formalisme : en effet, l\u2019hypoth\u00e8que conventionnelle est un contrat solennel qui ob\u00e9it \u00e0 certaines r\u00e8gles de validit\u00e9 et de publicit\u00e9.Il en est ainsi de l\u2019acte notari\u00e9, de l\u2019inscription d\u2019hypoth\u00e8que etc.<\/p>\n<p>\u4f46\u662f\uff0c\u62b5\u62bc\u6709\u5e7e\u500b\u7f3a\u9ede\u3002 \u9996\u5148\uff0c\u5c31\u5f62\u5f0f\u4e3b\u7fa9\u800c\u8a00\uff0c\u5176\u69cb\u6210\u76f8\u7576\u6c89\u91cd\uff1a\u4e8b\u5be6\u4e0a\uff0c\u5e38\u898f\u62b5\u62bc\u662f\u4e00\u9805\u838a\u56b4\u7684\u5408\u540c\uff0c\u9075\u5b88\u67d0\u4e9b\u6709\u6548\u6027\u548c\u516c\u958b\u6027\u898f\u5247\uff0c\u62b5\u62bc\u767b\u8a18\u7b49\u3002<\/p>\n<p style=\"text-align: justify;\">En cas de remboursement anticip\u00e9 du pr\u00eat ou en cas de revente anticip\u00e9e du bien immobilier, ce dernier reste grev\u00e9 d\u2019hypoth\u00e8que tant que celle-ci n\u2019est pas lev\u00e9e.<br \/>Il faudra alors entamer une proc\u00e9dure de mainlev\u00e9e d\u2019hypoth\u00e8que, assez contraignante sur le plan du formalisme et co\u00fbteuse.<\/p>\n<p>\u5982\u679c\u63d0\u524d\u9084\u6e05\u8cb8\u6b3e\u6216\u904e\u65e9\u8f49\u552e\u8a72\u7269\u696d\uff0c\u53ea\u8981\u4e0d\u89e3\u9664\u62b5\u62bc\uff0c\u8a72\u7269\u696d\u4ecd\u5c07\u53d7\u5230\u62b5\u62bc\u7684\u56f0\u64fe\u3002\u7136\u5f8c\uff0c\u6709\u5fc5\u8981\u555f\u52d5\u91cb\u653e\u62b5\u62bc\u7684\u7a0b\u5e8f\uff0c\u800c\u4e0d\u662f\u9650\u5236\u5f62\u5f0f\u4e3b\u7fa9\u548c\u6602\u8cb4\u7684\u8cbb\u7528\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u4e0a\u4e00\u7bc7\u6cd5\u570b\u8cb7\u623f\u7684\u4ecb\u7d39\u88e1\u9762\uff0c\u6211\u5011\u4ecb\u7d39\u4e86\u6cd5\u570b\u8cb7\u623f\u7684\u5341\u500b\u6b65\u9a5f\uff0c\u672c\u7bc7\u8981\u8b1b\u89e3\u4e00\u4e0b\u5728\u6cd5\u570b\u8cfc\u5c4b\u8cb8\u6b3e\u6642\u6703\u501f\u6b3e\u65b9\u9700\u8981\u9084\u6b3e\u65b9\u63d0\u4f9b\u7684\u64d4\u4fdd\u9078\u9805\uff0c\u5176\u4e2d\u4e3b\u8981\u7684\u9078\u9805\u6709 Hypoth\u00e8que \b(\u62b5\u62bc)\u6216\u662f Cr\u00e9dit Logement (\u623f\u5c4b\u4fe1\u7528)\u9019\u5169\u6a23\uff0c\u4ed6\u5011\u6709\u5404\u81ea\u7684\u512a\u7f3a\u9ede\uff0c\u8b93\u6211\u5011\u4e00\u8d77\u4f86\u770b\u770b\u5728\u6cd5\u570b\u8cb8\u6b3e\u6642\u5019\u6703\u9047\u5230\u7684\u6280\u8853\u554f\u984c\u5427\uff01\u672c\u7bc7\u53c3\u8003\u6b64\u7db2\u7ad9\u9023\u7d50\u7684\u5167\u5bb9\uff0c\u7db2\u8def\u4e0a\u4e5f\u4e0d\u5c11\u8cc7\u8a0a\uff0c\u672c\u7bc7\u5e0c\u671b\u53ef\u4ee5\u7d66\u51fa\u4e00\u500b\u6bd4\u8f03\u5feb\u901f\u7684\u6982\u5ff5\u3002<\/p>\n","protected":false},"author":1,"featured_media":2403,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,43],"tags":[47,46,49,36,48],"class_list":["post-2380","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-france-work-life","category-french-real-estate","tag-credit-logement","tag-hypotheque","tag-49","tag-36","tag-48"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>[\u8cb7\u623f] Hypoth\u00e8que\/Cr\u00e9dit Logement - \u60f3\u65b9\u6d89\u6cd5 - \u91cf\u74f6\u5916\u7684\u5929\u7a7a M-Y-Oceane<\/title>\n<meta name=\"description\" content=\"\u672c\u7bc7\u8981\u8b1b\u89e3\u4e00\u4e0b\u5728\u6cd5\u570b\u8cfc\u5c4b\u8cb8\u6b3e\u6642\u6703\u501f\u6b3e\u65b9\u9700\u8981\u9084\u6b3e\u65b9\u63d0\u4f9b\u7684\u64d4\u4fdd\u9078\u9805\uff0c\u5176\u4e2d\u4e3b\u8981\u7684\u9078\u9805\u6709 Hypoth\u00e8que \b(\u62b5\u62bc)\u6216\u662f Cr\u00e9dit Logement (\u623f\u5c4b\u4fe1\u7528)\u9019\u5169\u6a23\uff0c\u4ed6\u5011\u6709\u5404\u81ea\u7684\u512a\u7f3a\u9ede\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/myoceane.fr\/index.php\/hypotheque-ou-credit-logement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[\u8cb7\u623f] Hypoth\u00e8que\/Cr\u00e9dit Logement - 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