Comment choisir la durée d’un prêt immobilier ?

Au moment de contracter un crédit immobilier, tout emprunteur souhaite avoir les réponses à la question suivant : pour quelle durée vais-je m’engager ? C’est une excellente question, car de la durée vont dépendre les modalités essentielles de l’emprunt ainsi que son coût global. Vous avez le choix entre un contrat de prêt à long terme et un emprunt à court terme.

Utiliser le simulateur en ligne

Le principe en terme général est le suivant : plus la durée d’un crédit est longue, plus les taux seront élevés et plus le coût également va grimper. Le but dans la détermination de la durée d’un crédit immobilier est bien évidemment d’optimiser l’enrichissement patrimonial et d’organiser ainsi la durée du financement de manière à ce que vous puissiez profiter de l’effet levier au maximum.

Le mieux, c’est toujours de vous appuyer sur des données chiffrées au lieu de simplement se contenter de données techniques.

Nous envisageons là d’opérer un petit calcul de votre crédit immobilier. Vous devez sûrement vous demander comment ? Et bien, la solution la plus simple est encore de recourir à un simulateur de crédit. Il pourra calculer et comparer à votre place les différentes durées et les conséquences qui vont s’en suivre dans le cadre de l’enrichissement patrimonial.

Voici le cas de figure, un emprunteur X dispose d‘un profil qui lui permet de bénéficier d’une capacité d’investissement à long terme de 2000 euros. Ces 2000 euros pourront être utilisés indistinctement pour le remboursement par mensualité de son crédit ou encore pour constituer davantage d’épargne. Maintenant, la question est  celle de savoir s’il serait plus intéressant de conserver cette capacité de diversifier et d’épargner ; et donc d’allonger la durée du prêt, ou si au contraire, faudrait-il contracter un prêt à court terme dans lequel la somme de 2000 euros seront utilisés en totalité pour le remboursement.

Analyser en fonction de l’effet levier du crédit immobilier

Pour calculer l’opportunité ou non d’un crédit immobilier, le critère de base est le levier de crédit immobilier. Cet effet levier dans la pratique est la différence entre le coût réel de l’emprunt immobilier souscrit et le taux de rendement de l’épargne que peut se constituer le débiteur. Cette donnée permettra en fait de déterminer quel mode de financement conviendra à l’emprunteur.

Si le rendement d’épargne est inférieur au coût réel du crédit, cela signifie que le l’effet levier n’est pas établi et que donc, le principe suivant va s’appliquer : plus le crédit est conclu pour une courte durée, moins il engagera en matière de coût.

En réalité, la question qui se pose est celle de savoir s’il faut épargner ou s’il faudrait plutôt rembourser d’abord le crédit immobilier avant de penser à constituer une nouvelle épargne.

Si vous estimez que l’épargne ne pourra en aucun cas être rémunéré à un taux supérieur par rapport au taux immobilier actuellement appliqué, dans ce cas, la solution du crédit à courte durée est la meilleure alternative à prendre. Bien évidemment, les mensualités et la durée seront déterminées suivant la capacité de remboursement du débiteur.

S’informer par rapport aux taux en cours

Il faut toujours se tenir au courant des cours de taux qui se pratiquent avant de négocier un crédit. Vous avez à votre disposition pour ce faire le barème des meilleurs taux de crédit immobilier proposés. Généralement, aujourd’hui, la tendance est au faible taux. Ce qui n’est pas du tout une mauvaise chose, dans la mesure où elle va permettre de réduire l’obligation de rendement de l’épargne et booster au maximum l’effet levier du crédit.

Pour rappel, l’effet levier est constaté lorsque le rendement d’épargne est plus élevé par rapport au coût du crédit.

Par contre, si le taux est élevé, il faudra se pencher plutôt vers un crédit à courte durée, car plus la durée s’allonge, plus les taux seront élevés.

Le principe est le suivant : les mensualités sont faibles dans le cadre d’un crédit à long terme, cependant, les taux appliqués seront quant à eux élevés. Dans la pratique, cela va donner le cas de figure suivant : un emprunteur qui contracte pour 20 ans verra le coût global de son crédit inférieur à plus de 6%, en comparaison avec celui qui s’engage pour une durée de 25 années. Sur 30 ans, vous aurez une différence de 17%.

En somme, il faut savoir allier le tout : durée, coût total et effet de levier. Il faut notamment baser le calcul sur le taux d’endettement et le rendement d’épargne.

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