Comment financer une amélioration de son habitat ?

Publié jeudi 18 octobre 2018 Commenter 35
le prix des rénovations

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Que ce soit pour une cuisine, un séjour, une salle de bain, il arrive un moment où des travaux d’aménagement ou de rénovation peuvent être envisagés dans un appartement, une maison ou une future acquisition. Pour financer ces travaux, les économies personnelles peuvent ne pas être suffisantes, et il sera nécessaire de se tourner vers d’autres solutions de financement, comme les prêts travaux. Une multitude de prêts travaux, sous la forme de crédits affectés ou de prêts personnels affectés sont proposés par les banques et les établissements de crédit en fonction du profil de chaque emprunteur, de ses besoins, et bien sûr de ses capacités de remboursement. Explications.

Le prêt personnel non affecté

Le prêt personnel est une somme que l’emprunteur peut utiliser librement. C’est une solution flexible car nulle besoin de justificatifs de l’utilisation n’est exigé par l’organisme prêteur.

Ce type de prêt convient particulièrement aux personnes qui souhaitent réaliser les travaux par eux-mêmes plutôt que de passer par un professionnel, car aucune facture n’est demandée. De plus, le déblocage des fonds est rapide et ils sont mis à disposition dès que la demande de prêt est acceptée. Le taux annuel effectif global (ou TAEG) est généralement moins élevé car il n’existe pas de frais de dossier à payer, d’assurance décès-invalidité à souscrire, ou de garantie supplémentaire. Enfin, le remboursement anticipé n’engendre pas de pénalités.

Le crédit affecté

Le crédit affecté est une somme d’argent utilisé nécessairement pour un projet précis. Dans le cadre d’un prêt travaux, le crédit est donc affecté à l’exécution de travaux et le prêteur sera en droit de réclamer les devis et factures de l’entreprise, artisan ou tout autre professionnel qui sera retenu pour le chantier.

Cette solution est moins onéreuse qu’un prêt personnel non affecté et l’emprunteur bénéficie d’une sécurité accrue. Ainsi, si le prestataire ne respecte pas ses engagements, le contrat de prêt correspondant pourra être résilié.

Pour ces deux types de crédit, le capital minimum est de 200 euros et est plafonné à 75 000 euros, avec un taux entre 2,5% et 7,75% en moyenne. Ce taux varie en fonction du profil de l’emprunteur et la nature du prêt demandé. Le remboursement avec les intérêts est possible sur 5 ans, parfois 10 ans.

Le regroupement de crédits

Si plusieurs crédits sont en cours (crédit immobilier, crédit consommation), il est possible de les faire racheter pour renégocier le taux, réduire la mensualité et rééchelonner la durée de remboursement tout en demandant une somme qui sera affectée à un projet personnel comme la réalisation de travaux. Il faudra donc être en mesure de justifier le montant demandé par des documents justificatifs (devis, factures) pour permettre le déblocage des fonds.

Cette opération bancaire est idoine pour les emprunteurs disposant déjà de plusieurs emprunts mais qui souhaitent néanmoins financer un nouveau projet.

Sur le même sujet : Le rachat de crédit : principe, fonctionnement et mode d’emploi

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