{"id":9387,"date":"2023-12-10T20:24:51","date_gmt":"2023-12-10T19:24:51","guid":{"rendered":"https:\/\/www.fidem.lu\/kreditkapazitaet\/"},"modified":"2023-12-17T15:51:44","modified_gmt":"2023-12-17T14:51:44","slug":"capacite-de-credit","status":"publish","type":"page","link":"https:\/\/www.fidem.lu\/fr\/capacite-de-credit\/","title":{"rendered":"Capacit\u00e9 de cr\u00e9dit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9387\" class=\"elementor elementor-9387\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-100490d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"100490d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3546eed\" data-id=\"3546eed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c21cd7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c21cd7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d8f12a5 elementor-invisible\" data-id=\"d8f12a5\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-280b726 textBreakOverflow elementor-widget elementor-widget-heading\" data-id=\"280b726\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Capacit\u00e9 de cr\u00e9dit<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a79355 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"4a79355\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756ab70 elementor-widget elementor-widget-heading\" data-id=\"756ab70\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Combien puis-je emprunter ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3bd80 elementor-widget elementor-widget-text-editor\" data-id=\"5d3bd80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Votre budget pour une nouvelle acquisition immobili\u00e8re d\u00e9pend cumulativement de votre capacit\u00e9 d&#8217;emprunt et de votre apport en fonds propres. Dans cet article, vous comprendrez mieux quels sont les crit\u00e8res couramment utilis\u00e9s par les banques pour \u00e9valuer votre capacit\u00e9 d&#8217;emprunt et comment fidem. vous aide de mani\u00e8re ind\u00e9pendante \u00e0 comprendre ce que cela signifie pour votre foyer et vos projets de vie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cd1cab7 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"cd1cab7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca984bb\" data-id=\"ca984bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5a90e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"e5a90e2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4aa1742 elementor-invisible\" data-id=\"4aa1742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91350a7 elementor-widget elementor-widget-image\" data-id=\"91350a7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8bc2ab1 elementor-invisible\" data-id=\"8bc2ab1\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63a63b8 elementor-widget elementor-widget-heading\" data-id=\"63a63b8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Analyser la capacit\u00e9 de cr\u00e9dit<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-863304d elementor-widget elementor-widget-text-editor\" data-id=\"863304d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La principale valeur ajout\u00e9e d&rsquo;un entretien de capacit\u00e9 d&#8217;emprunt avec fidem. est notre expertise de match-making entre vos besoins de financement immobilier, votre situation financi\u00e8re et vos attentes personnelles. En un seul rendez-vous, en ligne ou en face \u00e0 face, nos experts vous informent sur votre capacit\u00e9 d&#8217;emprunt hypoth\u00e9caire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2261730 blog-bubbleMidBlueLeftBG-580px-resize elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2261730\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20bbf90\" data-id=\"20bbf90\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d6ef29a elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d6ef29a\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b554b9 elementor-invisible\" data-id=\"3b554b9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6411c71 elementor-widget elementor-widget-image\" data-id=\"6411c71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4b5ccb elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d4b5ccb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e954742 elementor-invisible\" data-id=\"e954742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9958d54 elementor-widget elementor-widget-heading\" data-id=\"9958d54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Analyser la capacit\u00e9 de cr\u00e9dit<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae4521b elementor-widget elementor-widget-text-editor\" data-id=\"ae4521b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La principale valeur ajout\u00e9e d&rsquo;un entretien de capacit\u00e9 d&#8217;emprunt avec fidem. est notre expertise de match-making entre vos besoins de financement immobilier, votre situation financi\u00e8re et vos attentes personnelles. En un seul rendez-vous, en ligne ou en face \u00e0 face, nos experts vous informent sur votre capacit\u00e9 d&#8217;emprunt hypoth\u00e9caire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c52c272 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c52c272\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-886a09f\" data-id=\"886a09f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5f1cbf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5f1cbf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b472e4f elementor-invisible\" data-id=\"b472e4f\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7ae62d elementor-widget elementor-widget-heading\" data-id=\"d7ae62d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Crit\u00e8res importants<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0e052 elementor-widget elementor-widget-text-editor\" data-id=\"7e0e052\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Principaux crit\u00e8res influen\u00e7ant votre capacit\u00e9 de remboursement :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-386dfb1 elementor-widget elementor-widget-heading\" data-id=\"386dfb1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Situation personnelle<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a64003 elementor-widget elementor-widget-text-editor\" data-id=\"1a64003\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Le nombre d&#8217;emprunteurs, seul on va plus vite, \u00e0 plusieurs on va plus loin.<\/li><li>L&rsquo;\u00e2ge des emprunteurs, il fixe les seuils de la dur\u00e9e pontentiel de votre emprunt.<\/li><li>Le nombre et l&rsquo;\u00e2ge des enfants et des parents \u00e0 charge dans le m\u00e9nage, il d\u00e9finit votre revenu prot\u00e9g\u00e9.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3fa7bb7 elementor-invisible\" data-id=\"3fa7bb7\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23995ce elementor-widget elementor-widget-image\" data-id=\"23995ce\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/magnifying-glass-white-300px.png\" class=\"attachment-large size-large wp-image-8873\" alt=\"Lupe\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/magnifying-glass-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/magnifying-glass-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-23d38dd elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23d38dd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-99f3002 elementor-invisible\" data-id=\"99f3002\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75889b9 elementor-widget elementor-widget-image\" data-id=\"75889b9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/equity-capital-white-300px.png\" class=\"attachment-large size-large wp-image-9117\" alt=\"Eigenkapital\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/equity-capital-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/equity-capital-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-42b1715 elementor-invisible\" data-id=\"42b1715\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-604fbb0 elementor-widget elementor-widget-heading\" data-id=\"604fbb0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Situation professionnelle<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83e8ad6 elementor-widget elementor-widget-text-editor\" data-id=\"83e8ad6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Le profil d&#8217;emploi, l&rsquo;exp\u00e9rience professionnelle et la contribution \u00e0 la pension publique, ils clarifient la stabilit\u00e9 de vos revenus futurs afin d&rsquo;identifier la dur\u00e9e de votre pr\u00eat la plus appropri\u00e9e.<\/li><li>Votre niveau de formation, les banques veulent mieux vous conna\u00eetre.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3078e elementor-widget elementor-widget-heading\" data-id=\"5d3078e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Situation financi\u00e8re<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc440d1 elementor-widget elementor-widget-text-editor\" data-id=\"bc440d1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Le total des revenus mensuels nets r\u00e9currents permet d&rsquo;\u00e9tablir une capacit\u00e9 de remboursement mensuelle th\u00e9orique.<\/li><li>Obligations financi\u00e8res existantes, elles r\u00e9duisent votre capacit\u00e9 th\u00e9orique de remboursement mensuel.<\/li><li>L\u2019\u00e9pargne disponible pour votre apport en fonds propres, elle d\u00e9finit votre capacit\u00e9 d&#8217;emprunt.<\/li><li>La mensualit\u00e9 souhait\u00e9e, il est important de savoir combien vous \u00eates pr\u00eat \u00e0 payer mensuellement sur la dur\u00e9e de votre contrat de pr\u00eat.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c77c40b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c77c40b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-481e87c elementor-invisible\" data-id=\"481e87c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-122770a elementor-widget elementor-widget-heading\" data-id=\"122770a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Projet immobilier<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dc3f96 elementor-widget elementor-widget-text-editor\" data-id=\"6dc3f96\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>L\u2019\u00e9valuation de votre projet immobilier, en fonction de sa localisation, de sa surface habitable, de son ann\u00e9e de construction et des derni\u00e8res r\u00e9novations.<\/li><li>L\u2019indice du certificat de sa performance \u00e9nerg\u00e9tique, plus la performance est \u00e9lev\u00e9e, plus les charges mensuelles seront faibles.<\/li><li>La destination du bien immobilier, r\u00e9sidence principale, secondaire ou locative.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8a489de elementor-invisible\" data-id=\"8a489de\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b84353 elementor-widget elementor-widget-image\" data-id=\"7b84353\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1.png\" class=\"attachment-large size-large wp-image-9144\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-709fee7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"709fee7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f21c03\" data-id=\"5f21c03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-de7bbaf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de7bbaf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-01bdb7c elementor-invisible\" data-id=\"01bdb7c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fc8af24 elementor-widget elementor-widget-heading\" data-id=\"fc8af24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment fidem. \u00e9value-t-il votre capacit\u00e9 d'emprunt hypoth\u00e9caire ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bf0a22 elementor-widget elementor-widget-heading\" data-id=\"2bf0a22\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Quels \u00e9l\u00e9ments d\u00e9finissent ma capacit\u00e9 de remboursement maximale ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c72c17 elementor-widget elementor-widget-heading\" data-id=\"5c72c17\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Les revenus <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fbb8f8 elementor-widget elementor-widget-text-editor\" data-id=\"3fbb8f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vos revenus d\u00e9finissent votre capacit\u00e9 de remboursement maximale. C&rsquo;est le point de d\u00e9part de l&rsquo;analyse de votre capacit\u00e9 d\u2019emprunt. La somme des mensualit\u00e9s existantes et de la nouvelle mensualit\u00e9 de vos pr\u00eats ne peut pas d\u00e9passer 50 % du revenu mensuel net durable du m\u00e9nage.<\/p><p>Cette limite de 50 % est la norme et certaines banques appliquent d&rsquo;autres approches. Comme l&rsquo;\u00e9valuation du revenu d\u00e9pend de plusieurs facteurs, vous devez vous renseigner aupr\u00e8s de fidem. sur l&rsquo;applicabilit\u00e9 de cette limite \u00e0 votre profil personnel.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ba4ae94 elementor-invisible\" data-id=\"ba4ae94\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bb21b5 elementor-widget elementor-widget-image\" data-id=\"9bb21b5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/calculate-budget-300px.png\" class=\"attachment-large size-large wp-image-9108\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/calculate-budget-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/calculate-budget-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-04252d0 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04252d0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a65d8c8 elementor-invisible\" data-id=\"a65d8c8\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9752470 elementor-widget elementor-widget-image\" data-id=\"9752470\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-9114\" alt=\"Geldtransfer\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-57cc499 elementor-invisible\" data-id=\"57cc499\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58b8a58 elementor-widget elementor-widget-heading\" data-id=\"58b8a58\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Les revenus durables pendant la dur\u00e9e du pr\u00eat <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a3b0c4 elementor-widget elementor-widget-text-editor\" data-id=\"8a3b0c4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les banques doivent appliquer des pond\u00e9rations diff\u00e9rentes \u00e0 vos revenus en fonction de leur stabilit\u00e9 et de leur source. Par exemple, les salaires mensuels fixes sont pond\u00e9r\u00e9s diff\u00e9remment des revenus provenant d&rsquo;une activit\u00e9 ind\u00e9pendante ou des revenus locatifs.<\/p><p>Les revenus provenant de biens immobiliers lou\u00e9s, de placements financiers, de pensions alimentaires vers\u00e9es par l&rsquo;\u00c9tat et d&rsquo;aides publiques peuvent \u00eatre pris en consid\u00e9ration, en fonction de l&rsquo;\u00e9valuation de la banque, de l&rsquo;origine du revenu et de la contrepartie payante.<\/p><p>La m\u00eame logique s&rsquo;applique lors de la v\u00e9rification de la stabilit\u00e9 de vos revenus. Les banques doivent \u00e9valuer tout risque potentiel li\u00e9 \u00e0 votre situation professionnelle, par exemple si vous \u00eates en contrat temporaire ou en p\u00e9riode d&rsquo;essai, si vous \u00eates ind\u00e9pendant, salari\u00e9 de longue dur\u00e9e ou fonctionnaire. Votre secteur d&rsquo;activit\u00e9, votre potentiel de r\u00e9emploi et, enfin, votre niveau d&rsquo;\u00e9ducation et les perspectives futures sont \u00e9galement pris en compte lors de ce processus d&rsquo;\u00e9valuation.<\/p><p>En outre, si une partie de votre revenu mensuel comprend une r\u00e9mun\u00e9ration variable bas\u00e9e par exemple sur des commissions ou des heures suppl\u00e9mentaires, elle peut \u00eatre exclue de votre revenu net r\u00e9current mensuel pour le calcul de votre capacit\u00e9. Les crit\u00e8res bancaires minimisant cette correction sont la stabilit\u00e9 de la partie variable de ce revenu bas\u00e9e sur des conditions contractuelles (fixes ou bas\u00e9es sur la performance), et leurs r\u00e9currences dans le temps.<\/p><p>Le montant variable du salaire et la valeur d\u2019un plan d&rsquo;options sur actions peuvent avoir un effet marginal sur la capacit\u00e9 de remboursement, mais un effet de levier important sur votre demande de pr\u00eat hypoth\u00e9caire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a6a42c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6a42c8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1afa599 elementor-invisible\" data-id=\"1afa599\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e81f312 elementor-widget elementor-widget-heading\" data-id=\"e81f312\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Pond\u00e9ration des revenus <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ef4f88 elementor-widget elementor-widget-text-editor\" data-id=\"9ef4f88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le tableau ci-dessous indique la ponderation appliqu\u00e9 par la plupart des banques en fonction des diff\u00e9rents types de revenus pour le calcul de votre revenu durable total.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e17c5c3 elementor-widget elementor-widget-html\" data-id=\"e17c5c3\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg  {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg td{border-color:#1D252D;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:18px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg th{border-color:#1D252D;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:18px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg .tg-0ywr{background-color:#9ac5d4;border-color:#1D252D;text-align:left;vertical-align:top;line-height:1.2}\r\n.tg .tg-0pky{border-color:#1D252D;text-align:left;vertical-align:top;line-height:1.2}\r\n@media screen and (max-width: 767px) {.tg {width: auto !important;}.tg col {width: auto !important;}.tg-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg-wrap\"><table class=\"tg\">\r\n<thead>\r\n  <tr>\r\n    <th class=\"tg-0ywr\"><b>Source des revenus<\/b><\/th>\r\n    <th class=\"tg-0ywr\"><b>Pond\u00e9ration<\/b><\/th>\r\n\r\n  <\/tr>\r\n<\/thead>\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg-0pky\">Salaire net<\/td>\r\n    <td class=\"tg-0pky\">100%<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-0pky\">Revenus locatifs<\/td>\r\n    <td class=\"tg-0pky\">75%<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-0pky\">Professions lib\u00e9rales<\/td>\r\n    <td class=\"tg-0pky\">50%<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-0pky\">Ind\u00e9pendants<\/td>\r\n    <td class=\"tg-0pky\">50%<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-0pky\">Salaire variable <\/td>\r\n    <td class=\"tg-0pky\">0%<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-0pky\">Avantage voiture et cheques-repas<\/td>\r\n    <td class=\"tg-0pky\">0%<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-0pky\">Bonus sur la performance <\/td>\r\n    <td class=\"tg-0pky\">0%<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-0pky\">Plan d\u2019options sur actions<\/td>\r\n    <td class=\"tg-0pky\">0%<\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fee9b5 elementor-widget elementor-widget-text-editor\" data-id=\"1fee9b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les revenus r\u00e9currents cumul\u00e9s sont ensuite comptabilis\u00e9s \u00e0 50 % pour \u00e9tablir votre capacit\u00e9 de remboursement mensuel.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1703e3a elementor-invisible\" data-id=\"1703e3a\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4784ee elementor-widget elementor-widget-image\" data-id=\"c4784ee\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/bank-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-8853\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/bank-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/bank-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a32404a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a32404a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-da4adbf\" data-id=\"da4adbf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5cc0d0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5cc0d0d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-897b3fe elementor-invisible\" data-id=\"897b3fe\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0824596 elementor-widget elementor-widget-heading\" data-id=\"0824596\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Exemple de calcul de la capacit\u00e9 de cr\u00e9dit<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d730fd elementor-widget elementor-widget-text-editor\" data-id=\"6d730fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Par exemple, Mme A et M. B gagnent conjointement chaque mois un revenu net total de 6.000 EUR au titre de leurs contrats de travail. Leur capacit\u00e9 de remboursement maximale, selon ce principe g\u00e9n\u00e9ral, est donc de 3.000 EUR par mois (50 % de 6.000 EUR).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20e436d elementor-widget elementor-widget-image\" data-id=\"20e436d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"815\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-50-1024x815.png\" class=\"attachment-large size-large wp-image-9429\" alt=\"Capacit\u00e9-de-cr\u00e9dit-50%\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-50-1024x815.png 1024w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-50-300x239.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-50-768x611.png 768w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-50-1536x1222.png 1536w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-50.png 1659w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5ce714 elementor-widget elementor-widget-text-editor\" data-id=\"a5ce714\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour calculer la capacit\u00e9 de remboursement maximale de Mme A et de M. B, nous combinons la capacit\u00e9 mensuelle de la mensualit\u00e9 souhait\u00e9e avec la dur\u00e9e maximale du pr\u00eat applicable.<\/p><p>Compte-tenu des taux d&rsquo;int\u00e9r\u00eat en vigueur sur le march\u00e9 au moment de notre rencontre, nous pouvons fournir une estimation s\u00fbre de la capacit\u00e9 d&#8217;emprunt maximale et de l\u2019apport minimal en fonds propes requis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc184b3 elementor-widget elementor-widget-heading\" data-id=\"bc184b3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Revenus et obligations financi\u00e8res<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8994881 elementor-widget elementor-widget-text-editor\" data-id=\"8994881\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si votre m\u00e9nage a des obligations financi\u00e8res existantes, que ce soit conjointement ou s\u00e9par\u00e9ment, cela r\u00e9duira la capacit\u00e9 de remboursement maximale du foyer.<\/p><p>Par exemple, si Mme A. a une obligation financi\u00e8re de 300 euros par mois pour un pr\u00eat automobile et que M. B. a une obligation financi\u00e8re de 250 euros par mois pour un pr\u00eat \u00e9tudiant, leur capacit\u00e9 de remboursement maximale sera r\u00e9duite en cons\u00e9quence.<\/p><p>En raison des obligations de pr\u00eat existantes d&rsquo;un montant total de 550 EUR, la capacit\u00e9 restante pour tout nouveau remboursement d\u2019emprunt n&rsquo;est que de 2.450 EUR (3 000 EUR de capacit\u00e9 totale &#8211; 550 EUR de mensualit\u00e9s existantes).<\/p><p>Si l&rsquo;une de ces obligations financi\u00e8res est li\u00e9e \u00e0 un cr\u00e9dit expos\u00e9 \u00e0 des taux d&rsquo;int\u00e9r\u00eat variables ou \u00e0 un taux d&rsquo;int\u00e9r\u00eat fixe r\u00e9visable, l&rsquo;\u00e9valuation de la capacit\u00e9 de remboursement des mensualit\u00e9s comprendra un <em>stress-test<\/em>.<\/p><p>Une simulation de <em>stress-test<\/em> sur les taux d&rsquo;int\u00e9r\u00eat prend en compte le risque d&rsquo;une augmentation future des mensualit\u00e9s en raison d&rsquo;un taux d&rsquo;int\u00e9r\u00eat plus \u00e9lev\u00e9 sur le contrat de pr\u00eat existant.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52b9500 elementor-widget elementor-widget-html\" data-id=\"52b9500\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg  {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg td{border-color:#1D252D;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:18px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg th{border-color:#1D252D;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:18px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg .tg-1ywr{background-color:#9ac5d4;border-color:#1D252D;text-align:left;vertical-align:top;line-height:1.2}\r\n.tg .tg-1pky{border-color:#1D252D;text-align:left;vertical-align:top;line-height:1.2}\r\n@media screen and (max-width: 767px) {.tg {width: auto !important;}.tg col {width: auto !important;}.tg-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg-wrap\"><table class=\"tg\">\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg-1pky\">Capacit\u00e9 mensuelle de remboursement  \r\n(principe des 50%)\r\n<\/td>\r\n    <td class=\"tg-1pky\">3.000 EUR<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-1pky\">- obligations financi\u00e8res existantes<\/td>\r\n    <td class=\"tg-1pky\">- 500\u20ac<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-1pky\">Capacit\u00e9 mensuelle de remboursement restante<\/td>\r\n    <td class=\"tg-1pky\">2.450 EUR<\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84a23b7 elementor-widget elementor-widget-image\" data-id=\"84a23b7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"917\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Engagements-de-capacite-de-credit-1024x917.png\" class=\"attachment-large size-large wp-image-9432\" alt=\"Engagements-de-capacit\u00e9-de-cr\u00e9dit\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Engagements-de-capacite-de-credit-1024x917.png 1024w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Engagements-de-capacite-de-credit-300x269.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Engagements-de-capacite-de-credit-768x687.png 768w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Engagements-de-capacite-de-credit-1536x1375.png 1536w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Engagements-de-capacite-de-credit.png 1659w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-161528b elementor-widget elementor-widget-heading\" data-id=\"161528b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Revenu prot\u00e9g\u00e9 \u201cReste-\u00e0-vivre minimum\u201d<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-240e818 elementor-widget elementor-widget-text-editor\" data-id=\"240e818\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apr\u00e8s avoir calcul\u00e9 votre capacit\u00e9 de remboursement sur la base de votre situation financi\u00e8re, nous contr\u00f4lerons si elle n&rsquo;est pas en contradiction avec la d\u00e9finition l\u00e9gale de votre \u00ab\u00a0Reste-\u00e0-vivre minimum\u00a0\u00bb. Ce seuil d\u00e9finit la part du revenu du m\u00e9nage qui ne peut \u00eatre expos\u00e9e au remboursement de toute obligation financi\u00e8re. Le terme l\u00e9gal est \u00e9galement connu sous le nom de \u00ab\u00a0revenu prot\u00e9g\u00e9\u00a0\u00bb.<\/p><p>Son calcul d\u00e9pend du nombre d&rsquo;adultes et d&rsquo;enfants en fonction des revenus du m\u00e9nage. Les montants prot\u00e9g\u00e9s sont respectivement un minimum de 1.200 EUR pour une personne seule, 1.450 EUR pour un couple, et 300 EUR par enfant.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f3ef40 elementor-widget elementor-widget-html\" data-id=\"8f3ef40\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg  {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg td{border-color:#1D252D;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:18px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg th{border-color:#1D252D;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:18px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg .tg-2ywr{background-color:#9ac5d4;border-color:#1D252D;text-align:left;vertical-align:top;line-height:1.2}\r\n.tg .tg-2pky{border-color:#1D252D;text-align:left;vertical-align:top;line-height:1.2}\r\n@media screen and (max-width: 767px) {.tg {width: auto !important;}.tg col {width: auto !important;}.tg-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg-wrap\"><table class=\"tg\">\r\n<thead>\r\n  <tr>\r\n    <th class=\"tg-2ywr\"><b>M\u00e9nage<\/b><\/th>\r\n    <th class=\"tg-2ywr\"><b>Revenu prot\u00e9g\u00e9<\/b><\/th>\r\n\r\n  <\/tr>\r\n<\/thead>\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg-2pky\">1 emprunteur<\/td>\r\n    <td class=\"tg-2pky\">1.200 EUR < 1.800 EUR<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-2pky\">2 emprunteurs<\/td>\r\n    <td class=\"tg-2pky\">1.450 EUR < 2.400 EUR<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-2pky\">Par enfant <\/td>\r\n    <td class=\"tg-2pky\">300 EUR < 350 EUR<\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c22d513 elementor-widget elementor-widget-text-editor\" data-id=\"c22d513\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Puisque le revenu prot\u00e9g\u00e9 fixe les besoins financiers d&rsquo;une famille avec 3 enfants \u00e0 3.450 EUR, seuls 2.550 EUR peuvent \u00eatre expos\u00e9s \u00e0 un remboursement de pr\u00eat au lieu de 3.000 EUR, ind\u00e9pendamment du principe de la limite de 50%. Dans cet exemple, la simulation est calcul\u00e9e sur les revenus prot\u00e9g\u00e9s les plus \u00e9lev\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44eb1d3 elementor-widget elementor-widget-image\" data-id=\"44eb1d3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"769\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Reste-a-vivre-minimum-1024x769.png\" class=\"attachment-large size-large wp-image-9435\" alt=\"Capacit\u00e9-de-cr\u00e9dit-Reste-a-vivre-minimum\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Reste-a-vivre-minimum-1024x769.png 1024w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Reste-a-vivre-minimum-300x225.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Reste-a-vivre-minimum-768x577.png 768w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Reste-a-vivre-minimum-1536x1154.png 1536w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Reste-a-vivre-minimum.png 1659w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7705950 elementor-widget elementor-widget-text-editor\" data-id=\"7705950\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Comme pour les autres variables, chaque banque a ses propres r\u00e8gles d&rsquo;\u00e9valuation pour calculer le <em>Reste-\u00e0-vivre minimum<\/em> applicable. Il peut donc varier d&rsquo;une banque \u00e0 l&rsquo;autre et en fonction de l&rsquo;\u00e2ge des enfants. Ce seuil peut \u00e9ventuellement \u00eatre abaiss\u00e9 si l&#8217;emprunteur dispose d&rsquo;un apport en fonds propres plus \u00e9lev\u00e9 ou d&rsquo;un garant fournissant des actifs compl\u00e9mentaires en guise de seconde garantie. Les banques n&rsquo;acceptent g\u00e9n\u00e9ralement pas de garants en cas de probl\u00e8me de capacit\u00e9 de remboursement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05ea8e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05ea8e8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2dffedb\" data-id=\"2dffedb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-65f59a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65f59a9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-26ddbcd elementor-invisible\" data-id=\"26ddbcd\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-380284f elementor-widget elementor-widget-heading\" data-id=\"380284f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quels \u00e9l\u00e9ments d\u00e9finissent ma capacit\u00e9 d'emprunt maximale ? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba5c716 elementor-widget elementor-widget-text-editor\" data-id=\"ba5c716\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les crit\u00e8res d\u00e9finissant votre capacit\u00e9 d&#8217;emprunt maximale sont la dur\u00e9e maximale de votre pr\u00eat hypoth\u00e9caire combin\u00e9e \u00e0 votre capacit\u00e9 de remboursement maximale \u00e9tablie, les taux d&rsquo;int\u00e9r\u00eat applicables et votre apport en fonds propres.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7ee726 elementor-widget elementor-widget-heading\" data-id=\"d7ee726\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dur\u00e9e maximale du pr\u00eat <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a754b25 elementor-widget elementor-widget-text-editor\" data-id=\"a754b25\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La r\u00e8gle commune de la dur\u00e9e de votre pr\u00eat est de 30 ans. Par d\u00e9faut, elle est estim\u00e9e en fonction du nombre d&rsquo;ann\u00e9es restant \u00e0 courir jusqu&rsquo;\u00e0 ce que le premier des emprunteurs atteigne l&rsquo;\u00e2ge l\u00e9gal de la retraite, soit 65 ans.<\/p><p>Si Mme A et M. B ont respectivement 35 et 40 ans, la dur\u00e9e standard du pr\u00eat est de 25 ans. Les banques peuvent reconsid\u00e9rer la dur\u00e9e en fonction des \u00e9l\u00e9ments suivants<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d193457 elementor-invisible\" data-id=\"d193457\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2429749 elementor-widget elementor-widget-image\" data-id=\"2429749\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/loan-term-white-300px.png\" class=\"attachment-large size-large wp-image-9395\" alt=\"Kreditlaufzeit\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/loan-term-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/loan-term-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bac7ec9 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bac7ec9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9eb5ee0 elementor-invisible\" data-id=\"9eb5ee0\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e38d138 elementor-widget elementor-widget-image\" data-id=\"e38d138\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/effortable-white-300px.png\" class=\"attachment-large size-large wp-image-9398\" alt=\"Erschwinglich\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/effortable-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/effortable-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-82d011f elementor-invisible\" data-id=\"82d011f\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b6ff36 elementor-widget elementor-widget-text-editor\" data-id=\"1b6ff36\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Une diff\u00e9rence significative de salaire entre les emprunteurs, par exemple si le salaire net de Mme A est suffisant pour couvrir seule les \u00e9ch\u00e9ances du pr\u00eat.<\/li><li>Les profils de travail, par exemple les professions lib\u00e9rales (avocats, m\u00e9decins, etc.) ont tendance \u00e0 travailler au-del\u00e0 de l&rsquo;\u00e2ge l\u00e9gal de la retraite.<\/li><li>Les nouveaux r\u00e9sidents qualifi\u00e9s comme primo-acc\u00e9dants pourraient b\u00e9n\u00e9ficier d&rsquo;une dur\u00e9e plus longue en fonction de leur niveau d&rsquo;expertise professionnelle.<\/li><li>Toute contribution existante \u00e0 la pension de l&rsquo;\u00c9tat (CNAP) est sup\u00e9rieure \u00e0 5 ann\u00e9es \u00e0 temps plein.<\/li><li>Tout patrimoine existant, soit en tant que revenu, par exemple un revenu locatif, soit en tant qu&rsquo;actif financier, par exemple une assurance-vie couvrant toute dette restante due au moment du passage \u00e0 la retraite.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b1e8ca2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1e8ca2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2d585f2 elementor-invisible\" data-id=\"2d585f2\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-390945c elementor-widget elementor-widget-text-editor\" data-id=\"390945c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ces exemples sont les facteurs les plus courants conduisant \u00e0 une r\u00e9\u00e9valuation de la dur\u00e9e du pr\u00eat sur la base de notre demande de cr\u00e9dit soumise en votre nom. Chaque banque ayant sa propre politique d&rsquo;\u00e9valuation de l&rsquo;\u00e2ge, nous avons d\u00e9j\u00e0 l&rsquo;exp\u00e9rience de l&rsquo;ad\u00e9quation des produits financiers les plus adapt\u00e9s \u00e0 votre financement immobilier.<\/p><p>Ces r\u00e8gles s&rsquo;appliquent principalement \u00e0 l&rsquo;acquisition d&rsquo;une r\u00e9sidence principale.\u00a0 Si Mme A et M. B envisagent d&rsquo;investir dans un bien locatif, ils doivent d&rsquo;abord consulter le fidem. afin de conna\u00eetre la dur\u00e9e maximale effective de leur pr\u00eat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8de8bc8 elementor-invisible\" data-id=\"8de8bc8\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-758a198 elementor-widget elementor-widget-image\" data-id=\"758a198\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/two-houses-white-300px.png\" class=\"attachment-large size-large wp-image-9120\" alt=\"Zwei-H\u00e4user\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/two-houses-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/two-houses-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8d943c6 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d943c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8334e29 elementor-invisible\" data-id=\"8334e29\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e92241c elementor-widget elementor-widget-image\" data-id=\"e92241c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/options-to-succes-white-300px.png\" class=\"attachment-large size-large wp-image-9392\" alt=\"Optimale Konstellation\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/options-to-succes-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/options-to-succes-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6d8f2c0 elementor-invisible\" data-id=\"6d8f2c0\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f12737f elementor-widget elementor-widget-heading\" data-id=\"f12737f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Quel est le montant du cr\u00e9dit que je peux obtenir avec ma capacit\u00e9 ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a898b5 elementor-widget elementor-widget-text-editor\" data-id=\"2a898b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si vous souhaitez conna\u00eetre le montant du financement immobilier que vous pouvez obtenir avec votre capacit\u00e9 de remboursement mensuelle calcul\u00e9e sur la dur\u00e9e maximale, utilisez notre calculateur d\u2019emprunt.<\/p><p>Sur la base de votre mensualit\u00e9 maximale ou souhait\u00e9e, vous pouvez <a href=\"https:\/\/www.fidem.lu\/fr\/simulateur-de-credit\/\">simuler le montant du pr\u00eat<\/a> que vous pourriez obtenir aupr\u00e8s des banques avec un taux d&rsquo;int\u00e9r\u00eat et une dur\u00e9e d\u00e9termin\u00e9s.\u00a0<\/p><p>Pour obtenir le montant de pr\u00eat le plus pr\u00e9cis possible, vous devez \u00e9galement tenir compte de la situation actuelle des taux d&rsquo;int\u00e9r\u00eat.<\/p><p>Le taux d&rsquo;int\u00e9r\u00eat du march\u00e9 n&rsquo;\u00e9tant qu&rsquo;une indication, il est important de savoir quels sont les autres facteurs qui influencent le taux d&rsquo;int\u00e9r\u00eat applicable \u00e0 votre cas particulier. Le taux d&rsquo;int\u00e9r\u00eat est la somme des risques que la banque prend avec le pr\u00eat. De nombreux facteurs tels que l&rsquo;acompte, la dur\u00e9e du pr\u00eat, le profil professionnel, les revenus disponibles et la valeur du bien immobilier influencent le taux d&rsquo;int\u00e9r\u00eat propos\u00e9 par les banques. Par cons\u00e9quent, ils influencent \u00e9galement le budget maximum du pr\u00eat.<\/p><p>Nous vous aiderons \u00e0 mieux \u00e9valuer votre situation personnelle et vous ferons part de notre expertise professionnelle concernant le taux d&rsquo;int\u00e9r\u00eat auquel vous pouvez vous attendre pour votre demande de pr\u00eat hypoth\u00e9caire.<\/p><p>Si vous avez d\u00e9j\u00e0 d\u00e9fini votre projet immobilier et estim\u00e9 le montant du cr\u00e9dit dont vous avez besoin, vous pouvez \u00e9galement utiliser notre calculatrice de mensualit\u00e9s. Il calcule votre remboursement mensuel pour un montant de pr\u00eat donn\u00e9. <a href=\"https:\/\/www.fidem.lu\/fr\/simulateur-de-credit\/\">Essayez-le tout de suite<\/a> !\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fba4815 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fba4815\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-43455bb\" data-id=\"43455bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-84d2f87 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"84d2f87\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d843c23 elementor-invisible\" data-id=\"d843c23\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38375ec elementor-widget elementor-widget-heading\" data-id=\"38375ec\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La nouvelle mensualit\u00e9 et l'impact sur les finances du m\u00e9nage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ca098 elementor-widget elementor-widget-image\" data-id=\"b6ca098\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"865\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Taux-de-credit-1024x865.png\" class=\"attachment-large size-large wp-image-9438\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Taux-de-credit-1024x865.png 1024w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Taux-de-credit-300x253.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Taux-de-credit-768x648.png 768w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Taux-de-credit-1536x1297.png 1536w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/12\/Capacite-de-credit-Taux-de-credit.png 1677w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bb6c4c elementor-widget elementor-widget-text-editor\" data-id=\"9bb6c4c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apr\u00e8s avoir inclus la nouvelle mensualit\u00e9 dans les revenus totaux du m\u00e9nage avec les obligations financi\u00e8res existantes et dans le respect du revenu prot\u00e9g\u00e9 applicable, il est important de v\u00e9rifier si la capacit\u00e9 restante correspond \u00e0 vos attentes financi\u00e8res pour vos projets de vie.<\/p><p>Cette capacit\u00e9 restante est n\u00e9cessaire si vous envisagez de contracter un autre pr\u00eat, par exemple un pr\u00eat automobile, un pr\u00eat personnel ou un pr\u00eat \u00e9tudiant.<\/p><p>Apr\u00e8s le versement de l&rsquo;acompte, il est \u00e9galement important d&rsquo;estimer le montant r\u00e9current pour renforcer votre \u00e9pargne, par exemple pour faire face \u00e0 des d\u00e9penses impr\u00e9vues, et vos positions d&rsquo;investissement.<\/p><p>C&rsquo;est \u00e9galement le bon moment pour souscrire \u00e0 un plan d&rsquo;\u00e9pargne-logement. Le plan d&rsquo;\u00e9pargne-logement peut aider \u00e0 couvrir les travaux de r\u00e9novation et de modernisation pr\u00e9vus. D&rsquo;une part, parce que vous \u00e9conomisez de nouveaux fonds propres, d&rsquo;autre part, parce que vous pouvez obtenir un pr\u00eat \u00e0 des conditions pr\u00e9f\u00e9rentielles, c\u2019est-\u00e0-dire \u00e0 faible taux d&rsquo;int\u00e9r\u00eat comme d\u00e9finit en date de la souscription. En outre, vous pouvez \u00e9ventuellement d\u00e9duire fiscalement les contributions vers\u00e9es \u00e0 votre plan \u00e9pargne logement. Le bon plan d&rsquo;\u00e9pargne-logement vous aide \u00e9galement \u00e0 obtenir votre cr\u00e9dit hypoth\u00e9caire. Si vous ne disposez pas d&rsquo;un financement fixe pour toute la dur\u00e9e de votre financement immobilier, vous pouvez r\u00e9duire, voire \u00e9liminer, le risque de hausse des taux d&rsquo;int\u00e9r\u00eat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c44d7b4 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c44d7b4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32b7a7d\" data-id=\"32b7a7d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4427a96 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4427a96\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2fc682b elementor-invisible\" data-id=\"2fc682b\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-33b6bcb elementor-widget elementor-widget-heading\" data-id=\"33b6bcb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu'attendre de ma r\u00e9union sur la capacit\u00e9 d'emprunt avec <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1c1ffd elementor-widget elementor-widget-text-editor\" data-id=\"f1c1ffd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apr\u00e8s votre rencontre avec fidem., vous conna\u00eetrez le pr\u00eat que vous souhaitez obtenir. Combin\u00e9 \u00e0 la part de votre \u00e9pargne que vous \u00eates pr\u00eat \u00e0 investir en apport en <a href=\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\">fonds propres<\/a>, vous conna\u00eetrez votre budget d&rsquo;acquisition id\u00e9al, y compris les frais d&rsquo;acquisition qui s&rsquo;y rapportent. Et le plus important, c&rsquo;est l&rsquo;impact potentiel de votre mensualit\u00e9 de votre nouvel emprunt sur les finances de votre m\u00e9nage.\u00a0<\/p><p>En cours de route, nous vous expliquerons les \u00e9tapes suivantes et le calendrier habituel du traitement d&rsquo;une demande de pr\u00eat jusqu&rsquo;aux actes notari\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef4617e elementor-widget elementor-widget-heading\" data-id=\"ef4617e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quel est le bon moment pour se rencontrer avec <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-654a7a6 elementor-widget elementor-widget-heading\" data-id=\"654a7a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Avant toute recherche de projet immobilier <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5559706 elementor-widget elementor-widget-text-editor\" data-id=\"5559706\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si vous envisagez d&rsquo;acheter un bien immobilier, c&rsquo;est le bon moment pour vous familiariser avec les r\u00e9alit\u00e9s. Quels sont les taux d&rsquo;int\u00e9r\u00eat auxquels je peux m&rsquo;attendre ? Quelle dur\u00e9e et quel taux correspondent \u00e0 mes objectifs et \u00e0 mes souhaits ? Quel est le montant que je peux me permettre ? Nous r\u00e9pondrons \u00e0 toutes ces questions avant que vous ne preniez votre d\u00e9cision finale. Et ce, gratuitement et sans aucune obligation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-34ccebe elementor-invisible\" data-id=\"34ccebe\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a0fe02c elementor-widget elementor-widget-image\" data-id=\"a0fe02c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8898\" alt=\"Mann mit Frage\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6044fde elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6044fde\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-153d8a6\" data-id=\"153d8a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-baf4ef9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"baf4ef9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8694625 elementor-invisible\" data-id=\"8694625\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1efeda4 elementor-widget elementor-widget-image\" data-id=\"1efeda4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8898\" alt=\"Mann mit Frage\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7951bfc elementor-invisible\" data-id=\"7951bfc\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b115ce3 elementor-widget elementor-widget-heading\" data-id=\"b115ce3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pendant la recherche active d'un bien immobilier <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd0ee6e elementor-widget elementor-widget-text-editor\" data-id=\"dd0ee6e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si vous \u00eates d\u00e9j\u00e0 \u00e0 la recherche d&rsquo;un nouveau bien immobilier, il est temps de nous contacter. Nous vous informerons des derni\u00e8res \u00e9volutions du march\u00e9 et nous pr\u00e9parerons votre demande de pr\u00eat de mani\u00e8re \u00e0 pouvoir intervenir d\u00e8s que vous aurez trouv\u00e9 le bien qui vous convient. Gr\u00e2ce \u00e0 cette approche, vous ne perdez pas de temps sur le chemin qui m\u00e8ne \u00e0 la propri\u00e9t\u00e9 de vos r\u00eaves. Nous pouvons \u00e9galement vous fournir un certificat d&rsquo;acheteur, qui souligne vos capacit\u00e9s financi\u00e8res et vous donne un avantage sur les autres candidats acheteurs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-557a06b elementor-widget elementor-widget-heading\" data-id=\"557a06b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Au moment de la signature de votre futur compromis <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b520c1 elementor-widget elementor-widget-text-editor\" data-id=\"5b520c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si cela n&rsquo;a pas d\u00e9j\u00e0 \u00e9t\u00e9 fait pr\u00e9c\u00e9dement, nous pr\u00e9parons votre demande de cr\u00e9dit. Nous vous conseillons sur tous les points importants et nous vous assistons tout au long de la proc\u00e9dure de demande de cr\u00e9dit. Nous vous expliquons comment structurer votre pr\u00eat afin qu&rsquo;il soit le plus flexible possible. Ce faisant, nous veillons \u00e0 ce que vous soyez bien inform\u00e9s de toute exposition aux risques de taux d&rsquo;int\u00e9r\u00eat. Nous vous indiquons quels sont les documents n\u00e9cessaires en fonction de votre situation actuelle afin de pr\u00e9senter le dossier de pr\u00eat de la mani\u00e8re la plus pertinente aupr\u00e8s des banques. Ensuite, nous utilisons notre savoir-faire, <a href=\"https:\/\/www.fidem.lu\/fr\/courtier-en-credit-immobilier\/\">n\u00e9gocier votre dossier afin d&rsquo;obtenir les meilleures conditions<\/a> disponibles en votre nom.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c06d28d elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"c06d28d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f948ef0 elementor-invisible\" data-id=\"f948ef0\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-97fec75 elementor-widget elementor-widget-heading\" data-id=\"97fec75\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qu'attendre de ma r\u00e9union sur la capacit\u00e9 d'emprunt  avec <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38f83aa elementor-widget elementor-widget-text-editor\" data-id=\"38f83aa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apr\u00e8s votre rencontre avec fidem., vous conna\u00eetrez le pr\u00eat que vous souhaitez obtenir. Combin\u00e9 \u00e0 la part de votre \u00e9pargne que vous \u00eates pr\u00eat \u00e0 investir en apport en <a href=\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\">fonds propres<\/a>, vous conna\u00eetrez votre budget d&rsquo;acquisition id\u00e9al, y compris les frais d&rsquo;acquisition qui s&rsquo;y rapportent. Et le plus important, c&rsquo;est l&rsquo;impact potentiel de votre mensualit\u00e9 de votre nouvel emprunt sur les finances de votre m\u00e9nage.\u00a0<\/p><p>En cours de route, nous vous expliquerons les \u00e9tapes suivantes et le calendrier habituel du traitement d&rsquo;une demande de pr\u00eat jusqu&rsquo;aux actes notari\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dedfad0 elementor-widget elementor-widget-heading\" data-id=\"dedfad0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quel est le bon moment pour se rencontrer avec <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4164acf elementor-widget elementor-widget-heading\" data-id=\"4164acf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Avant toute recherche de projet immobilier <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8714731 elementor-widget elementor-widget-text-editor\" data-id=\"8714731\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si vous envisagez d&rsquo;acheter un bien immobilier, c&rsquo;est le bon moment pour vous familiariser avec les r\u00e9alit\u00e9s. Quels sont les taux d&rsquo;int\u00e9r\u00eat auxquels je peux m&rsquo;attendre ? Quelle dur\u00e9e et quel taux correspondent \u00e0 mes objectifs et \u00e0 mes souhaits ? Quel est le montant que je peux me permettre ? Nous r\u00e9pondrons \u00e0 toutes ces questions avant que vous ne preniez votre d\u00e9cision finale. Et ce, gratuitement et sans aucune obligation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71ea08b blog-bubbleMidBlueLeftBG-580px-resize elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71ea08b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9694f52\" data-id=\"9694f52\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-76b00d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"76b00d2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-16504de elementor-invisible\" data-id=\"16504de\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ddf3d17 elementor-widget elementor-widget-image\" data-id=\"ddf3d17\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8898\" alt=\"Mann mit Frage\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-74084d5 elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"74084d5\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0a9c071 elementor-invisible\" data-id=\"0a9c071\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb3a725 elementor-widget elementor-widget-heading\" data-id=\"fb3a725\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pendant la recherche active d'un bien immobilier <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-410eca7 elementor-widget elementor-widget-text-editor\" data-id=\"410eca7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si vous \u00eates d\u00e9j\u00e0 \u00e0 la recherche d&rsquo;un nouveau bien immobilier, il est temps de nous contacter. Nous vous informerons des derni\u00e8res \u00e9volutions du march\u00e9 et nous pr\u00e9parerons votre demande de pr\u00eat de mani\u00e8re \u00e0 pouvoir intervenir d\u00e8s que vous aurez trouv\u00e9 le bien qui vous convient. Gr\u00e2ce \u00e0 cette approche, vous ne perdez pas de temps sur le chemin qui m\u00e8ne \u00e0 la propri\u00e9t\u00e9 de vos r\u00eaves. Nous pouvons \u00e9galement vous fournir un certificat d&rsquo;acheteur, qui souligne vos capacit\u00e9s financi\u00e8res et vous donne un avantage sur les autres candidats acheteurs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7b28db elementor-widget elementor-widget-heading\" data-id=\"c7b28db\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Au moment de la signature de votre futur compromis <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48df78a elementor-widget elementor-widget-text-editor\" data-id=\"48df78a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si cela n&rsquo;a pas d\u00e9j\u00e0 \u00e9t\u00e9 fait pr\u00e9c\u00e9dement, nous pr\u00e9parons votre demande de cr\u00e9dit. Nous vous conseillons sur tous les points importants et nous vous assistons tout au long de la proc\u00e9dure de demande de cr\u00e9dit. Nous vous expliquons comment structurer votre pr\u00eat afin qu&rsquo;il soit le plus flexible possible. Ce faisant, nous veillons \u00e0 ce que vous soyez bien inform\u00e9s de toute exposition aux risques de taux d&rsquo;int\u00e9r\u00eat. Nous vous indiquons quels sont les documents n\u00e9cessaires en fonction de votre situation actuelle afin de pr\u00e9senter le dossier de pr\u00eat de la mani\u00e8re la plus pertinente aupr\u00e8s des banques. Ensuite, nous utilisons notre savoir-faire, <a href=\"https:\/\/www.fidem.lu\/fr\/courtier-en-credit-immobilier\/\">n\u00e9gocier votre dossier afin d&rsquo;obtenir les meilleures conditions<\/a> disponibles en votre nom.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b439837 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b439837\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0295981\" data-id=\"0295981\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b4c2740 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b4c2740\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-53afa3c elementor-invisible\" data-id=\"53afa3c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c8f6bb elementor-widget elementor-widget-heading\" data-id=\"3c8f6bb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Certificat d'acheteur <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9d6b14 elementor-widget elementor-widget-text-editor\" data-id=\"c9d6b14\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Comme mentionn\u00e9 pr\u00e9c\u00e9demment, fidem. peut vous fournir un certificat d&rsquo;acheteur dans chacune des trois phases d\u00e9crites. Ce certificat est une v\u00e9ritable valeur ajout\u00e9e dans votre recherche immobili\u00e8re ou dans la n\u00e9gociation du prix d&rsquo;achat. Le vendeur peut \u00eatre certain que vous avez d\u00e9j\u00e0 effectu\u00e9 les analyses n\u00e9cessaires et que votre dossier de cr\u00e9dit a d\u00e9j\u00e0 \u00e9t\u00e9 v\u00e9rifi\u00e9 au pr\u00e9alable. Outre le gain de temps que cela repr\u00e9sente pour votre n\u00e9gociation, cela donne une meilleure assurance au vendeur et \u00e0 l&rsquo;agent immobilier. Le vendeur dispose d\u00e9sormais d&rsquo;une confirmation par un tiers professionnel de votre capacit\u00e9 \u00e0 obtenir un financement de la banque si vous signez le compromis. Vous \u00eates ainsi mieux pr\u00e9par\u00e9s et vous avez une longueur d&rsquo;avance sur les autres acheteurs potentiels.<\/p><p>Nous concentrer sur vos objectifs et vos souhaits est notre philosophie. Nous adaptons le pr\u00eat \u00e0 votre vie, et non l&rsquo;inverse. Nous veillons \u00e0 ce que vous connaissiez l&rsquo;impact de votre nouvel emprunt sur vos finances personnelles en vous fournissant une vue d&rsquo;ensemble transparente de vos options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d9752f3 elementor-invisible\" data-id=\"d9752f3\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2aab92 elementor-widget elementor-widget-image\" data-id=\"f2aab92\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/notary-contract-white-300px.png\" class=\"attachment-large size-large wp-image-9105\" alt=\"Notarvertrag\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/notary-contract-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/notary-contract-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cdadee4 bubblesBG elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cdadee4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d54e6aa\" data-id=\"d54e6aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-500dee9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"500dee9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-98dc383\" data-id=\"98dc383\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcf2546 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"fcf2546\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">KEY TAKEAWAYS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb998f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7eb998f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-large\">Les principales raisons pour lesquelles vous devriez parler de votre capacit\u00e9 de cr\u00e9dit avec <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-699a521 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"699a521\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6d04776 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"6d04776\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ee128e2\" data-id=\"ee128e2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28a0b75 elementor-widget elementor-widget-heading\" data-id=\"28a0b75\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8a3ed09\" data-id=\"8a3ed09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-189cfd3 elementor-widget elementor-widget-text-editor\" data-id=\"189cfd3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIl n&rsquo;est jamais trop t\u00f4t pour \u00e9valuer votre capacit\u00e9 de remboursement.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-85176d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"85176d5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41ff379\" data-id=\"41ff379\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ed911b elementor-widget elementor-widget-heading\" data-id=\"1ed911b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3f7692c\" data-id=\"3f7692c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72d058a elementor-widget elementor-widget-text-editor\" data-id=\"72d058a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tVotre capacit\u00e9 d&#8217;emprunt d\u00e9pend aussi de l&rsquo;\u00e9pargne d\u00e9di\u00e9e \u00e0 votre apport en fonds propres\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9d9d225 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"9d9d225\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f70e9cd\" data-id=\"f70e9cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae51b98 elementor-widget elementor-widget-heading\" data-id=\"ae51b98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b18095d\" data-id=\"b18095d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2eddb86 elementor-widget elementor-widget-text-editor\" data-id=\"2eddb86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLe principe du ratio revenus-d\u00e9penses de 50 % est un crit\u00e8re cl\u00e9, mais pas d\u2019une limite absolue.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-70bb0c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"70bb0c5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-36240d2\" data-id=\"36240d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ddf961 elementor-widget elementor-widget-heading\" data-id=\"4ddf961\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">4<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c16562\" data-id=\"6c16562\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9fa1af7 elementor-widget elementor-widget-text-editor\" data-id=\"9fa1af7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLes banques peuvent pond\u00e9rer diff\u00e9remment les types de revenus.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-39d0213 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"39d0213\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-99d1ad7\" data-id=\"99d1ad7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdea40d elementor-widget elementor-widget-heading\" data-id=\"cdea40d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0c027ab\" data-id=\"0c027ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73cd536 elementor-widget elementor-widget-text-editor\" data-id=\"73cd536\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUtilisez les calculateurs FIDEM pour estimer votre capacit\u00e9 de remboursement et votre capacit\u00e9 d&#8217;emprunt.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4ff3f46 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"4ff3f46\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-102d7e8\" data-id=\"102d7e8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05c048b elementor-widget elementor-widget-heading\" data-id=\"05c048b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">6<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0488da2\" data-id=\"0488da2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64d88ec elementor-widget elementor-widget-text-editor\" data-id=\"64d88ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLe certificat d&rsquo;acheteur est votre meilleur levier pour signer votre compromis de vente.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-274c7f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"274c7f2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bc14874\" data-id=\"bc14874\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c9e392 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0c9e392\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> analyse votre capacit\u00e9 de cr\u00e9dit pour le pr\u00eat optimal<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8cc39e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cc39e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d94b36b\" data-id=\"d94b36b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e9f6c37 elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"e9f6c37\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/contact\" id=\"front_contact_steps\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">R\u00e9servez d\u00e8s maintenant votre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Capacit\u00e9 de cr\u00e9dit Combien puis-je emprunter ? Votre budget pour une nouvelle acquisition immobili\u00e8re d\u00e9pend cumulativement de votre capacit\u00e9 d&#8217;emprunt et de votre apport en fonds propres. Dans cet article, vous comprendrez mieux quels sont les crit\u00e8res couramment utilis\u00e9s par les banques pour \u00e9valuer votre capacit\u00e9 d&#8217;emprunt et comment fidem. vous aide de mani\u00e8re ind\u00e9pendante&hellip;&nbsp;<a href=\"https:\/\/www.fidem.lu\/fr\/capacite-de-credit\/\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Capacit\u00e9 de cr\u00e9dit<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-pagebuilder-full-width.php","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"off","neve_meta_content_width":100,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","footnotes":""},"class_list":["post-9387","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Combien de cr\u00e9dit immobilier puis-je me permettre ? | fidem.<\/title>\n<meta name=\"description\" content=\"Votre budget pour l&#039;achat d&#039;un bien immobilier d\u00e9pend en premier lieu de votre capacit\u00e9 de charge mensuelle et de la part de fonds propres.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fidem.lu\/fr\/capacite-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Combien de cr\u00e9dit immobilier puis-je me permettre ? | fidem.\" \/>\n<meta property=\"og:description\" content=\"Votre budget pour l&#039;achat d&#039;un bien immobilier d\u00e9pend en premier lieu de votre capacit\u00e9 de charge mensuelle et de la part de fonds propres.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fidem.lu\/fr\/capacite-de-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"fidem.\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-17T14:51:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"23 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fidem.lu\/fr\/capacite-de-credit\/\",\"url\":\"https:\/\/www.fidem.lu\/fr\/capacite-de-credit\/\",\"name\":\"Combien de cr\u00e9dit immobilier puis-je me permettre ? 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