{"id":290,"date":"2014-06-04T15:04:35","date_gmt":"2014-06-04T13:04:35","guid":{"rendered":"http:\/\/reassurez-moi.fr\/blog\/?page_id=290"},"modified":"2026-02-02T16:47:27","modified_gmt":"2026-02-02T15:47:27","slug":"banques","status":"publish","type":"page","link":"https:\/\/guide.reassurez-moi.fr\/guide\/pret-immobilier\/banques","title":{"rendered":"Quelles banques proposent un pr\u00eat immobilier ?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Les banques en cr\u00e9dit immobilier<\/h2>\n\n\n\n<p>Nous avons list\u00e9 pour vous toutes les banques proposant un pr\u00eat immobilier. En cliquant sur l&rsquo;une de ces banques, vous acc\u00e9derez au d\u00e9tail des contrats d&rsquo;assurance pr\u00eat immobilier propos\u00e9s par chacun de ces acteurs :<\/p>\n\n\n\n<p><ul>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/axa-banque\">Axa Banque<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/banque-populaire\">Banque Populaire<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/banque-postale\">Banque Postale<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/bforbank\">BforBank<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/bnp-paribas\">BNP Paribas<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/boursorama\">Boursorama<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/caisse-epargne\">Caisse d&rsquo;\u00c9pargne<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/cetelem\">Cetelem<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/credit-agricole\">Cr\u00e9dit Agricole<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/credit-cooperatif\">Cr\u00e9dit Coop\u00e9ratif<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/credit-foncier\">Cr\u00e9dit Foncier<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/credit-mutuel\">Cr\u00e9dit Mutuel<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/fortuneo\">Fortuneo<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/hello-bank\">Hello Bank<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/hsbc\">HSBC<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/lcl\">LCL<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/orange-bank\">Orange Bank<\/a><\/li>\n  <li><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/societe-generale\">Soci\u00e9t\u00e9 G\u00e9n\u00e9rale<\/a><\/li>\n<\/ul>\n<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rm-advertizing-block fix-in-sidebar advertising-block-sidebar-item\">\n    <div class=\"image-container flex justify-center align-items-center\">\n        <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\"\n             alt=\"reassurez-moi illustration\"\n             class=\"wp-block-rm-advertizing-image\"\n             loading=\"lazy\"\n        \/>\n    <\/div>\n    <div class=\"rm-advertblock-container flex flex-column justify-center align-items-start\">\n        <p class=\"wp-block-rm-advertizing-text\">\n            Pr\u00eat immobilier\n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            calculez le montant de vos mensualit\u00e9s\n        <\/p>\n        <a\n            href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/simulation\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Simuler\n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n                un pr\u00eat immobilier\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Quelles sont les conditions d\u2019octroi d\u2019un pr\u00eat immobilier par les banques ?<\/h2>\n\n\n\n<p>Pour <a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/obtenir\">obtenir un cr\u00e9dit immobilier<\/a>, les banques \u00e9valuent plusieurs crit\u00e8res afin de s\u2019assurer de votre capacit\u00e9 \u00e0 rembourser le pr\u00eat. Voici les principales conditions \u00e0 remplir pour maximiser vos chances d\u2019obtenir un financement avantageux.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Apport personnel minimum requis<\/strong><\/h3>\n\n\n\n<p>L\u2019<a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/apport\">apport personnel<\/a> correspond \u00e0 la somme que vous investissez directement dans votre projet immobilier. En g\u00e9n\u00e9ral, les banques demandent un <strong>minimum de 10 % du montant du bien<\/strong> pour couvrir les frais annexes (notaire, garantie, dossier).<\/p>\n\n\n\n<p>Un apport plus \u00e9lev\u00e9 (20 % ou plus) permet souvent d\u2019obtenir un <strong>taux d\u2019int\u00e9r\u00eat plus bas<\/strong> et de meilleures conditions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Revenus et capacit\u00e9 d\u2019endettement<\/strong><\/h3>\n\n\n\n<p>Les banques analysent vos revenus pour s\u2019assurer que vous pourrez rembourser votre pr\u00eat sans d\u00e9s\u00e9quilibrer votre budget. Elles appliquent g\u00e9n\u00e9ralement la r\u00e8gle des <strong>35 % d\u2019endettement maximum<\/strong>, ce qui signifie que vos <a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/calcul-mensualites\">mensualit\u00e9s<\/a> ne doivent pas d\u00e9passer 35 % de vos revenus nets.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Exemple<\/strong> : Si vous gagnez 3 000 \u20ac nets par mois, votre mensualit\u00e9 maximale ne devrait pas d\u00e9passer <strong>1 050 \u20ac<\/strong>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>D\u2019autres \u00e9l\u00e9ments influencent votre \u00e9ligibilit\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li>La <strong>stabilit\u00e9 de vos revenus<\/strong> (CDI, profession lib\u00e9rale, fonction publique, etc.).<\/li>\n\n\n\n<li>Vos <strong>charges fixes<\/strong> (autres cr\u00e9dits en cours, loyer, pensions\u2026).<\/li>\n\n\n\n<li>Votre <strong><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/reste-a-vivre\">reste \u00e0 vivre<\/a><\/strong> apr\u00e8s paiement des mensualit\u00e9s.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Dur\u00e9e de pr\u00eat et taux<\/strong><\/h3>\n\n\n\n<p>La <strong>dur\u00e9e de votre emprunt<\/strong> impacte directement le taux d\u2019int\u00e9r\u00eat appliqu\u00e9 :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-table-with-vertical-headers\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Dur\u00e9e de pr\u00eat<\/th><th class=\"has-text-align-center\" data-align=\"center\">Avantage<\/th><th class=\"has-text-align-center\" data-align=\"center\">Inconv\u00e9nient<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Pr\u00eat court (10 &#8211; 15 ans)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Taux plus bas<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mensualit\u00e9s plus \u00e9lev\u00e9es<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pr\u00eat classique (20 &#8211; 25 ans)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mensualit\u00e9s moins \u00e9lev\u00e9es<\/td><td class=\"has-text-align-center\" data-align=\"center\">Taux plus \u00e9lev\u00e9s<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pr\u00eat long (30 ans et plus)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mensualit\u00e9s faibles<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rarement propos\u00e9 et souvent plus co\u00fbteux<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-mars-information icon-info\"><p>Plus la dur\u00e9e du pr\u00eat est courte, plus votre taux d\u2019int\u00e9r\u00eat sera bas, mais votre mensualit\u00e9 sera plus \u00e9lev\u00e9e.<\/p><\/div>\n\n\n\n<div class=\"wp-block-mars-information icon-check without-background\"><p>\ud83d\udca1 Un bon dossier peut vous permettre d\u2019obtenir <strong>une r\u00e9duction de taux de 0,10 \u00e0 0,50 point<\/strong>, ce qui repr\u00e9sente plusieurs milliers d\u2019euros d\u2019\u00e9conomies sur la dur\u00e9e du pr\u00eat.<\/p><\/div>\n\n\n\n<div class=\"flex  wp-block-rm-advertizing-block advertising-block-sidebar-item fix-in-sidebar\"><div class=\"image-container flex justify-center align-items-center py-3\"><img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\" alt=\"reassurez-moi illustration\" class=\"wp-block-rm-advertizing-image\" loading=\"lazy\"\/><\/div><div class=\"\n                    rm-advertblock-container\n                    flex flex-column justify-center\n                    align-items-start\n                \"><p class=\"wp-block-rm-advertizing-text\n                              \n                            \">Le meilleur taux pour votre cr\u00e9dit immobilier en 2026<\/p><a href=\"https:\/\/reassurez-moi.fr\/taux-pret-immobilier\" class=\"wp-block-rm-advertizing-button\"><span class=\"wp-block-rm-advertizing-button-text\">Meilleurs taux immobilier<\/span><\/a><\/div><\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les banques en cr\u00e9dit immobilier Nous avons list\u00e9 pour vous toutes les banques proposant un pr\u00eat immobilier. En cliquant sur l&rsquo;une de ces banques, vous acc\u00e9derez au d\u00e9tail des contrats d&rsquo;assurance pr\u00eat immobilier propos\u00e9s par chacun de ces acteurs : Axa Banque Banque Populaire Banque Postale BforBank BNP Paribas Boursorama Caisse d&rsquo;\u00c9pargne Cetelem Cr\u00e9dit Agricole\u2026<\/p>\n","protected":false},"author":67,"featured_media":0,"parent":17687,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[751],"class_list":["post-290","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quelles banques proposent un pr\u00eat immobilier | R\u00e9assurez-moi<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez la liste des banques proposant un cr\u00e9dit immobilier. Tarifs, garanties, frais impos\u00e9s. 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