{"id":10338,"date":"2025-08-04T08:09:22","date_gmt":"2025-08-04T00:09:22","guid":{"rendered":"http:\/\/doolounge.com\/mortgage-storm\/"},"modified":"2025-08-06T22:16:39","modified_gmt":"2025-08-06T14:16:39","slug":"mortgage-storm","status":"publish","type":"post","link":"https:\/\/doolounge.com\/fr\/mortgage-storm\/","title":{"rendered":"Le plus grand risque d\u2019acheter une maison en pr\u00e9vente n\u2019est pas la chute des prix de l\u2019immobilier, mais l\u2019impossibilit\u00e9 d\u2019obtenir un pr\u00eat !"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Aujourd\u2019hui, de plus en plus d\u2019acheteurs de maisons se retrouvent pris dans cette soudaine \u00ab temp\u00eate hypoth\u00e9caire \u00bb.<br \/><br \/>Au cours des deux derni\u00e8res ann\u00e9es, un ph\u00e9nom\u00e8ne est apparu parmi les acheteurs avant la vente, les personnes qui changent de maison et m\u00eame les primo-acc\u00e9dants : lorsqu&#039;ils sont sur le point de prendre possession de la maison, ils constatent que le montant du pr\u00eat qu&#039;ils attendaient initialement est bien inf\u00e9rieur \u00e0 ce qu&#039;ils attendaient initialement.<br \/><br \/>Il ne s\u2019agit plus d\u2019un cas isol\u00e9, mais du r\u00e9sultat de changements environnementaux globaux !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"http:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-576x1024.jpg\" alt=\"\" class=\"wp-image-10343\" srcset=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-576x1024.jpg 576w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-169x300.jpg 169w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-768x1365.jpg 768w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-864x1536.jpg 864w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-7x12.jpg 7w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804.jpg 1125w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les contr\u00f4les s\u00e9lectifs du cr\u00e9dit par la banque centrale, la supervision renforc\u00e9e des banques par la Commission de surveillance financi\u00e8re, associ\u00e9s \u00e0 la hausse des prix de l&#039;immobilier et \u00e0 l&#039;abaissement des seuils pour les maisons de luxe, ont conduit \u00e0 une position de pr\u00eat actuelle des banques devenant \u00ab de plus en plus conservatrice \u00bb.<br><br>Lorsque la nouvelle S\u00e9curit\u00e9 Jeunesse a \u00e9t\u00e9 lanc\u00e9e, \u00ab un pr\u00eat \u00e0 80 % n\u2019\u00e9tait pas un r\u00eave \u00bb, mais aujourd\u2019hui, de nombreuses personnes ne peuvent m\u00eame pas obtenir un pr\u00eat \u00e0 60 %.<br><br>Bon nombre de ces acheteurs de maisons avant la vente ont sign\u00e9 le contrat avant le changement de politique.<br><br>Bien que les contrats de pr\u00e9vente de maison comportent des clauses et des garanties, si le montant du pr\u00eat est inf\u00e9rieur \u00e0 30 %, vous pouvez payer en plusieurs fois ou r\u00e9silier le contrat.<br><br>Cependant, ces conditions sont difficiles \u00e0 appliquer dans la r\u00e9alit\u00e9. La principale raison est que les constructeurs sont r\u00e9ticents \u00e0 payer en plusieurs fois sur une longue p\u00e9riode et ne peuvent recourir qu&#039;\u00e0 des financements secondaires ou priv\u00e9s, ce qui implique des int\u00e9r\u00eats suppl\u00e9mentaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"RZTcSLdvTa\"><a href=\"https:\/\/doolounge.com\/fr\/signing-proviso\/\">Lors de la signature d\u2019un contrat d\u2019achat d\u2019une maison, la \u00ab condition \u00bb est tr\u00e8s importante, mais ne l\u2019oubliez pas !<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"Lors de la signature d&#039;un contrat d&#039;achat de maison, la clause \u00ab mais \u00bb est extr\u00eamement importante, alors ne l&#039;oubliez pas ! \u2014 Chen Fa.\" src=\"http:\/\/doolounge.com\/signing-proviso\/embed\/#?secret=FQ8pa5qOC0#?secret=RZTcSLdvTa\" data-secret=\"RZTcSLdvTa\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi ne pas simplement r\u00e9silier le contrat ?<br><br>Le contrat de pr\u00e9vente \u00e9tait initialement sign\u00e9 pour 10 millions de yuans, et le prix du march\u00e9 a maintenant grimp\u00e9 \u00e0 15 millions de yuans. M\u00eame si le montant du pr\u00eat est r\u00e9duit, allez-vous abandonner si facilement\u00a0?<br><br>\u00ab Si vous quittez le march\u00e9 maintenant, il se peut qu\u2019il n\u2019y ait m\u00eame pas de barri\u00e8re \u00e0 l\u2019entr\u00e9e pour racheter plus tard. \u00bb<br><br>Face \u00e0 ce probl\u00e8me, le dilemme est grand. Apr\u00e8s tout, les prix de l&#039;immobilier ont grimp\u00e9 en fl\u00e8che. Renoncer au prix convenu dans le contrat d&#039;achat initial revient \u00e0 renoncer \u00e0 l&#039;opportunit\u00e9 d&#039;acheter une maison.<br><br>C\u2019est le dilemme auquel de nombreux acheteurs de maisons sont confront\u00e9s aujourd\u2019hui.<br><br>La politique initiale visait \u00e0 am\u00e9liorer le march\u00e9 du logement et \u00e0 freiner la sp\u00e9culation.<br><br>Mais aujourd\u2019hui, ce sont ceux qui sont les plus innocents et les plus s\u00e9rieux dans leur d\u00e9cision d\u2019acheter une maison pour leur propre usage qui sont mis en avant.<br><br>Ceux qui ont suffisamment de ressources peuvent compenser avec de l\u2019argent, mais ceux qui n\u2019en ont pas assez ne peuvent que serrer les dents et s\u2019accrocher.<br><br>Les risques li\u00e9s \u00e0 l\u2019achat d\u2019une maison ne se r\u00e9sument plus simplement \u00e0 \u00ab l\u2019acheter \u00e0 un prix \u00e9lev\u00e9 \u00bb.<br><br>Si les autorit\u00e9s comp\u00e9tentes n\u2019\u00e9tablissent pas une \u00ab p\u00e9riode tampon \u00bb et un \u00ab m\u00e9canisme de correction \u00bb entre les politiques et le march\u00e9, il y aura de plus en plus de cas de d\u00e9faut de livraison \u00e0 domicile \u00e0 l\u2019avenir, et il pourrait m\u00eame y avoir une autre vague de \u00ab d\u00e9fauts \u00bb en 2026.<\/p>","protected":false},"excerpt":{"rendered":"<p>De nombreux acheteurs ont constat\u00e9 que leurs demandes de pr\u00eat hypoth\u00e9caire avaient diminu\u00e9 avant m\u00eame de prendre possession de leur logement. Leur r\u00eave de fonder facilement une famille \u00e9tait d\u00e9sormais an\u00e9anti par l&#039;impossibilit\u00e9 d&#039;obtenir un pr\u00eat.<\/p>\n<p>Avec ce changement soudain de politique, les propri\u00e9taires occupants sont devenus les plus grandes victimes.<\/p>\n<p>Les prix de l&#039;immobilier ont augment\u00e9, mais les pr\u00eats ne sont pas disponibles. Je souhaite acheter une maison, mais je ne peux pas me le permettre, ce qui me place devant un dilemme.<\/p>","protected":false},"author":2,"featured_media":10343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"activitypub_content_warning":"","activitypub_content_visibility":"","activitypub_max_image_attachments":4,"activitypub_interaction_policy_quote":"anyone","activitypub_status":"federated","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false,"beyondwords_generate_audio":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_player_style":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[770,817],"tags":[847,777,812,771,772,780,1329],"class_list":["post-10338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estate","category-money","tag-847","tag-777","tag-812","tag-771","tag-772","tag-780","tag-1329"],"blocksy_meta":[],"featured_image_urls":{"full":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804.jpg",1125,2000,false],"thumbnail":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-150x150.jpg",150,150,true],"medium":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-169x300.jpg",169,300,true],"medium_large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-768x1365.jpg",768,1365,true],"large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-576x1024.jpg",576,1024,true],"1536x1536":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-864x1536.jpg",864,1536,true],"2048x2048":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804.jpg",1125,2000,false],"trp-custom-language-flag":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17542667291752660014619104613804-7x12.jpg",7,12,true]},"post_excerpt_stackable":"<p>\u8a31\u591a\u8cfc\u5c4b\u8005\u4ea4\u5c4b\u524d\u624d\u767c\u73fe\u623f\u8cb8\u6838\u51c6\u7e2e\u6c34\uff0c\u539f\u4ee5\u70ba\u80fd\u8f15\u9b06\u6210\u5bb6\u7684\u5922\u60f3\uff0c\u537b\u5361\u5728\u8cb8\u4e0d\u5230\u9322\u7684\u73fe\u5be6\u3002<\/p>\n<p>\u653f\u7b56\u6025\u8f49\u5f4e\u4e0b\uff0c\u81ea\u4f4f\u5ba2\u53cd\u6210\u6700\u5927\u53d7\u707d\u6236\u3002<\/p>\n<p>\u623f\u50f9\u6f32\u4e86\uff0c\u8cb8\u6b3e\u537b\u8cb8\u4e0d\u5230\uff0c\u60f3\u9000\u53c8\u6368\u4e0d\u5f97\uff0c\u5f62\u6210\u9032\u9000\u5169\u96e3\u7684\u56f0\u5883\u3002<\/p>\n","category_list":"<a href=\"https:\/\/doolounge.com\/fr\/category\/estate\/\" rel=\"category tag\">\u623f\u5730\u7522<\/a>, <a href=\"https:\/\/doolounge.com\/fr\/category\/money\/\" rel=\"category tag\">\u8ca1\u7d93<\/a>","author_info":{"name":"\u9673\u6cd5","url":"https:\/\/doolounge.com\/fr\/author\/doolounge\/"},"comments_num":"0 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