Maison

Financement des travaux, quel prêt choisir : immobilier ou personnel ?

pret
Written by brmg-admin

Malgré les soins et entretiens apportés à votre maison, il arrive un temps où des réparations sont nécessaires. Malheureusement, ces travaux de réparations coûtent cher et le recours à un prêt reste la meilleure solution pour faire face à ces travaux. Alors serait-il mieux de recourir à un prêt immobilier ou à un prêt personnel.

Différence entre prêt immobilier et prêt personnel

Le prêt immobilier permet de financer de plus grands travaux puisque le montant du prêt s’éleve au-delà de 75 000 €, c’est un crédit non plafonné. La durée de remboursement est plus longue, jusqu’à 30 ans, ce qui permet d’aligner le montant de la mensualité sur la capacité de remboursement de l’emprunteur. Le prêt travaux, plafonné à 75 000 euros est catégorisé parmi les crédits à la consommation.

De ce fait, c’est un prêt non affecté qui ne nécessite pas un justificatif d’utilisation. L’emprunteur peut alors disposer de la somme obtenue à sa guise. La durée de remboursement des prêts personnels peut varier de quelques mois à une dizaine d’années. Le remboursement anticipé est exempt de pénalités. L’absence de garantie aussi est un avantage non négligeable de ce type de prêt. Néanmoins, compte tenu de la durée de remboursement qui est plutôt réduite, les taux d’intérêt appliqués sont relativement élevés

Le prêt immobilier, solution optimale pour les grandes rénovations

Malgré les avantages certains des autres formules de prêts, le prêt immobilier donne plus de confort et plus de perspective économique aux ménages qui comptent faire des réparations ou des travaux de rénovation de leur habitat. Le financement des travaux peut faire partie de l’achat immobilier s’il est prévu dès le départ pour l’achat d’un bien ancien.

Le prêt immobilier est certes soumis à certaines conditions comme les garanties ou hypothèques, mais c’est une formule qui permet aux emprunteurs de disposer d’une somme importante pour mener à bien les travaux envisagés et de garder par la même occasion une souplesse financière avec la mensualité réduite. Le remboursement est étalé sur une durée plus longue pour réduire le montant des échéances. Cette mensualité réduite permettra aux ménages concernés de garder un certain niveau de pouvoir d’achat au quotidien. De plus, les taux d’intérêt appliqués aux prêts immobiliers sont inférieurs aux autres formules de crédits.

Avant de faire un choix, faites la comparaison

Le choix doit être fait en fonction de votre capacité de remboursement, mais aussi du genre de travaux à financer et enfin du montant nécessaire pour effectuer ces travaux. Comme toutes les situations sont uniques et ne se ressemblent pas, le mieux est de recourir avant toute démarche à une simulation de crédit. Cela vous permettra de disposer d’un aperçu du résultat de vos choix respectifs. Vous pourrez alors orienter votre choix dans la direction qui convient le mieux à vos travaux et à votre budget.

S'il vous plaît noter ça

A propos de l'auteur

brmg-admin

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