{"id":9498,"date":"2024-02-24T13:03:07","date_gmt":"2024-02-24T12:03:07","guid":{"rendered":"https:\/\/www.fidem.lu\/kaeuferzertifikat\/"},"modified":"2024-02-24T14:13:06","modified_gmt":"2024-02-24T13:13:06","slug":"certificat-de-solvabilite","status":"publish","type":"page","link":"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/","title":{"rendered":"Certificat de Solvabilit\u00e9"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9498\" class=\"elementor elementor-9498\">\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\">Pourquoi un certificat de solvabilit\u00e9 ?<\/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\">Quelle incidence sur mon acquisition immobili\u00e8re ?<\/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;\">Un certificat de solvabilit\u00e9, \u00e9galement appel\u00e9 \u00a0\u00bb certificat d&rsquo;acheteur \u00ab\u00a0, confirme votre solvabilit\u00e9 et indique votre capacit\u00e9 de prix d\u2019acquisition.<\/p><p style=\"text-align: center;\">Nombreux sont les agents immobiliers qui demandent un certificat d&rsquo;acheteur pour s\u2019assurer de la confirmation de votre solvabilit\u00e9 vous vous permettant le financement de votre projet immobilier. Cette attestation d\u00e9montre \u00e0 la partie venderesse que vous avez d\u00e9j\u00e0 fait les d\u00e9marches pr\u00e9liminaires et n\u00e9cessaires pour v\u00e9rifier au pr\u00e9alable votre capacit\u00e9 d\u2019emprunt.<\/p><p style=\"text-align: center;\">La pr\u00e9sentation d&rsquo;un certificat de solvabilit\u00e9 lors de la visite de votre projet immobilier est une preuve incontestable de votre s\u00e9rieux dans cette d\u00e9marche d\u2019acquisition. Le montant attest\u00e9 peut \u00e9galement \u00eatre un puissant levier de n\u00e9gociation vous d\u00e9marquant des autres candidats acheteurs \u00e9ventuellement solvables.<\/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\">Qui peut d\u00e9livrer ce certificat de solvabilit\u00e9 ?<\/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>Les banques et les interm\u00e9diaires de cr\u00e9dit immobilier agr\u00e9\u00e9s par la CSSF sont habilit\u00e9s \u00e0 d\u00e9livrer ce type d&rsquo;attestation aux potentiels acheteurs d\u2019un bien immobilier.<\/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-83fd33a elementor-widget elementor-widget-heading\" data-id=\"83fd33a\" 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\">Pourquoi v\u00e9rifier le budget maximum d\u2019acquisition aupr\u00e8s d'un interm\u00e9diaire en cr\u00e9dit hypoth\u00e9caire plut\u00f4t qu'aupr\u00e8s d'une banque ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7f5f0f elementor-widget elementor-widget-text-editor\" data-id=\"e7f5f0f\" 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>Parce que chaque institution financi\u00e8re a ses principes d\u2019\u00e9valuation en mati\u00e8re d&rsquo;octroi de cr\u00e9dit immobilier. Le budget maximum pour l\u2019acquisition d\u2019un projet immobilier, une r\u00e9sidence principale, une r\u00e9sidence secondaire, ou un investissement locatif, peut varier fortement d&rsquo;une banque \u00e0 l&rsquo;autre.<\/p><p>Par cons\u00e9quent, il est pr\u00e9f\u00e9rable de demander conseil \u00e0 un professionnel agr\u00e9\u00e9 comme interm\u00e9diaire de cr\u00e9dit immobilier. Ceux-ci connaissent les principes d\u2019\u00e9valuation des diff\u00e9rentes banques. Ils peuvent donc estimer le budget maximum \u00e0 travers la jungle des produits financiers afin de trouver les banques les plus appropri\u00e9es en fonction de votre situation personnelle.<\/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\">Qui peut d\u00e9livrer ce certificat de solvabilit\u00e9 ?<\/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>Les banques et les interm\u00e9diaires de cr\u00e9dit immobilier agr\u00e9\u00e9s par la CSSF sont habilit\u00e9s \u00e0 d\u00e9livrer ce type d&rsquo;attestation aux potentiels acheteurs d\u2019un bien immobilier.<\/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-b72a846 elementor-widget elementor-widget-heading\" data-id=\"b72a846\" 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\">Pourquoi v\u00e9rifier le budget maximum d\u2019acquisition aupr\u00e8s d'un interm\u00e9diaire en cr\u00e9dit hypoth\u00e9caire plut\u00f4t qu'aupr\u00e8s d'une banque ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfafd99 elementor-widget elementor-widget-text-editor\" data-id=\"bfafd99\" 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>Parce que chaque institution financi\u00e8re a ses principes d\u2019\u00e9valuation en mati\u00e8re d&rsquo;octroi de cr\u00e9dit immobilier. Le budget maximum pour l\u2019acquisition d\u2019un projet immobilier, une r\u00e9sidence principale, une r\u00e9sidence secondaire, ou un investissement locatif, peut varier fortement d&rsquo;une banque \u00e0 l&rsquo;autre.<\/p><p>Par cons\u00e9quent, il est pr\u00e9f\u00e9rable de demander conseil \u00e0 un professionnel agr\u00e9\u00e9 comme interm\u00e9diaire de cr\u00e9dit immobilier. Ceux-ci connaissent les principes d\u2019\u00e9valuation des diff\u00e9rentes banques. Ils peuvent donc estimer le budget maximum \u00e0 travers la jungle des produits financiers afin de trouver les banques les plus appropri\u00e9es en fonction de votre situation personnelle.<\/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\">Quelles informations faut-il fournir pour la d\u00e9livrance d'un certificat de solvabilit\u00e9 ?<\/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>Pour \u00e9valuer pr\u00e9cis\u00e9ment vos capacit\u00e9s financi\u00e8res, votre courtier a besoin d\u2019informations sur votre profil personnel et votre situation financi\u00e8re.<\/p><p>Les principaux facteurs d\u00e9finissant le budget d\u2019acquisition d\u2019un projet immobilier :<\/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-4f4e06b elementor-widget elementor-widget-heading\" data-id=\"4f4e06b\" 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\">L'\u00e2ge du client<\/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<p>L&rsquo;\u00e2ge d\u00e9finit la dur\u00e9e maximale du pr\u00eat immobilier. Les banques divergent fortement sur ce point. Alors que de nombreuses banques n&rsquo;approuvent une dur\u00e9e du pr\u00eat que jusqu&rsquo;\u00e0 l&rsquo;\u00e2ge de la retraite (65 ans), d&rsquo;autres institutions peuvent \u00e9galement financer au-del\u00e0 de l&rsquo;\u00e2ge de la retraite. Une personne \u00e2g\u00e9e de 40 ans ne peut donc, en th\u00e9orie, obtenir un financement que pour 25 ans aupr\u00e8s de certaines banques. D&rsquo;autres banques peuvent approuver un emprunt pour une dur\u00e9e de 30 ans, et dans certains m\u00eame au-del\u00e0 de 35 ans. Cela modifie significativement le budget total d\u2019acquisition.\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<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\/2024\/02\/checklist-white-300px.png\" class=\"attachment-large size-large wp-image-9482\" alt=\"Checkliste\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2024\/02\/checklist-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2024\/02\/checklist-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-0d1b7f2 elementor-widget elementor-widget-heading\" data-id=\"0d1b7f2\" 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 <\/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<p>Le revenu mensuel d\u00e9finit la <a href=\"https:\/\/www.fidem.lu\/fr\/capacite-de-credit\/\">capacit\u00e9 de charge<\/a> maximale. A nouveau, chaque banque calcule cela diff\u00e9remment. Alors que certaines banques requi\u00e8rent un maximum de 40 % des revenus du m\u00e9nage comme capacit\u00e9 maximum de remboursement mensuel, d&rsquo;autres banques acceptant un ratio de 50 %, voire jusqu\u2019\u00e0 64 %.<\/p><p>Avec un revenu familial total de 10 000 EUR par mois, le plafond de remboursement mensuel maximum varie entre 4.000 EUR et 6.400 EUR. Cette limite impacte significativement le budget total d\u2019acquisition.<\/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-8f1d114 elementor-widget elementor-widget-heading\" data-id=\"8f1d114\" 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\">Apport en fonds propres <\/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<p>Un autre facteur d\u00e9terminant est l\u2019\u00e9pargne disponible pour l\u2019acquisition d\u2019un projet immobilier. Pour les primo-acc\u00e9dants, les banques peuvent financer jusqu&rsquo;\u00e0 100 % de la valeur du bien. Toutefois, de nombreuses banques exigent un apport minimum sur le prix d&rsquo;acquisition, et cet apport doit \u00e9galement couvrir les frais d&rsquo;acquisition.<\/p><p>Par exemple, le montant d&rsquo;\u00e9pargne disponible et d\u00e9di\u00e9e \u00e0 cet apport influence directement le montant total du budget confirm\u00e9, et \u00e9ventuellement les conditions d\u2019emprunt, diff\u00e9remment, d&rsquo;une banque par rapport \u00e0 une autre.\u00a0<\/p><p>En savoir plus sur le <a href=\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\">LTV<\/a>.<\/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-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 calcule-t-il mon budget d'acquisition pour mon Certificat de Solvabilit\u00e9 ?<\/h3>\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>Chez FIDEM, nous nous concentrons sur vos objectifs et vos souhaits personnels. En effet, le montant du pr\u00eat que vous pouvez vous permettre ne d\u00e9pend pas n\u00e9cessairement de ce qu&rsquo;une banque approuverait. Ce qui est plus important, c&rsquo;est ce que VOUS voulez. Par exemple, une banque peut approuver une mensualit\u00e9 allant jusqu&rsquo;\u00e0 6 400 EUR, mais vous ne voulez pas payer plus de 4 000 EUR par mois. Pour nous, le facteur le plus important est la mensualit\u00e9 que VOUS souhaitez. Nous v\u00e9rifions quelle banque peut offrir la meilleure solution de financement en fonction de ces param\u00e8tres. Pour mettre les choses en perspective, nous simulons votre cas personnel \u00e0 l&rsquo;aide d&rsquo;un plan de financement exemplaire. Si celui-ci r\u00e9pond \u00e0 vos exigences, nous vous d\u00e9livrons le certificat de solvabilit\u00e9 FIDEM. D\u00e8s que vous avez trouv\u00e9 un bien qui correspond \u00e0 votre budget, nous n&rsquo;avons besoin que des documents relatifs au bien pour compl\u00e9ter la demande de pr\u00eat pr\u00e9-v\u00e9rifi\u00e9e et pour proc\u00e9der aux d\u00e9marches aupr\u00e8s des banques.<\/p><p>C&rsquo;est un v\u00e9ritable gain de temps.<\/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-31fe764 elementor-widget elementor-widget-image\" data-id=\"31fe764\" 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\/2024\/02\/options-to-succes-bluegrey-300px-1.png\" class=\"attachment-large size-large wp-image-9488\" alt=\"Optimale Konstellation\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2024\/02\/options-to-succes-bluegrey-300px-1.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2024\/02\/options-to-succes-bluegrey-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-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\">FACTEURS CL\u00c9S <\/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 <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span>  devrait vous fournir un certificat d'acheteur<\/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\tLe certificat de solvabilit\u00e9 confirme mes capacit\u00e9s financi\u00e8res et me distingue des autres candidats acheteurs\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\tEn raison de la jungle des produits de financement pour l\u2019acquisition d\u2019un projet immobilier, je ne peux faire estimer mon budget seulement par ma banque. La consultation d&rsquo;un courtier en cr\u00e9dit immobilier est une \u00e9tape n\u00e9cessaire et essentielle pour mon acquisition tout en \u00e9conomisant du temps et en gagnant l&rsquo;argent\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\tL&rsquo;\u00e2ge, les revenus mensuels et l&rsquo;apport en fonds propres sont les crit\u00e8res d\u00e9terminants pour l&rsquo;\u00e9valuation du budget d&rsquo;acquisition de mon projet immobilier\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\tFIDEM fait passer VOS souhaits en premier !\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\tAcc\u00e9l\u00e9rer le processus d&rsquo;acquisition : gr\u00e2ce \u00e0 la v\u00e9rification pr\u00e9alable de ma situation personnelle et financi\u00e8re, la constitution de mon dossier de demande d\u2019emprunt est d\u00e9j\u00e0 bien avanc\u00e9e\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\">Si vous souhaitez \u00e9galement conna\u00eetre votre capacit\u00e9 d\u2019acquisition immobili\u00e8re, ou si vous avez besoin d'un certificat de solvabilit\u00e9 confirmant vos capacit\u00e9s financi\u00e8res ? <\/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 un rendez-vous d\u00e8s maintenant<\/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>Pourquoi un certificat de solvabilit\u00e9 ? Quelle incidence sur mon acquisition immobili\u00e8re ? Un certificat de solvabilit\u00e9, \u00e9galement appel\u00e9 \u00a0\u00bb certificat d&rsquo;acheteur \u00ab\u00a0, confirme votre solvabilit\u00e9 et indique votre capacit\u00e9 de prix d\u2019acquisition. Nombreux sont les agents immobiliers qui demandent un certificat d&rsquo;acheteur pour s\u2019assurer de la confirmation de votre solvabilit\u00e9 vous vous permettant le&hellip;&nbsp;<a href=\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Certificat de Solvabilit\u00e9<\/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-9498","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>Certificat de Solvabilit\u00e9 | fidem.<\/title>\n<meta name=\"description\" content=\"Faites-vous d\u00e9livrer un certificat de solvabilit\u00e9 afin de sortir du lot en tant qu&#039;acheteur potentiel s\u00e9rieux lors de l&#039;acquisition d&#039;un bien immobilier.\" \/>\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\/certificat-de-solvabilite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Certificat de Solvabilit\u00e9 | fidem.\" \/>\n<meta property=\"og:description\" content=\"Faites-vous d\u00e9livrer un certificat de solvabilit\u00e9 afin de sortir du lot en tant qu&#039;acheteur potentiel s\u00e9rieux lors de l&#039;acquisition d&#039;un bien immobilier.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/\" \/>\n<meta property=\"og:site_name\" content=\"fidem.\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-24T13:13:06+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=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/\",\"url\":\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/\",\"name\":\"Certificat de Solvabilit\u00e9 | fidem.\",\"isPartOf\":{\"@id\":\"https:\/\/www.fidem.lu\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\",\"datePublished\":\"2024-02-24T12:03:07+00:00\",\"dateModified\":\"2024-02-24T13:13:06+00:00\",\"description\":\"Faites-vous d\u00e9livrer un certificat de solvabilit\u00e9 afin de sortir du lot en tant qu'acheteur potentiel s\u00e9rieux lors de l'acquisition d'un bien immobilier.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/#primaryimage\",\"url\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\",\"contentUrl\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fidem.lu\/fr\/certificat-de-solvabilite\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\/\/www.fidem.lu\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Certificat de Solvabilit\u00e9\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fidem.lu\/#website\",\"url\":\"https:\/\/www.fidem.lu\/\",\"name\":\"fidem.\",\"description\":\"credit &amp; 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