{"id":10194,"date":"2025-10-22T13:31:00","date_gmt":"2025-10-22T11:31:00","guid":{"rendered":"https:\/\/www.hypotheekwinkel.be\/blog\/garantiestelling-voorschot\/"},"modified":"2026-04-07T15:34:44","modified_gmt":"2026-04-07T13:34:44","slug":"la-garantie","status":"publish","type":"cpt-blogs","link":"https:\/\/www.hypotheekwinkel.be\/fr\/blog\/la-garantie\/","title":{"rendered":"Gr\u00e2ce \u00e0 la Garantie, vous n&rsquo;avez pas \u00e0 payer d&rsquo;avance"},"content":{"rendered":"\n<section\n\tclass=\"b-block b-editor text-left\"\n\taria-labelledby=\"block_9f72fd0f8209be0d211709fa26d633e0-title\"\n>\n\t<div class=\"container\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col \">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row mb-4\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t\t\t<div class=\"intro text-primary\">\n\t\t\t\t\t\t\t\t\t\t<p><b>Lors de la signature d&rsquo;un compromis, le vendeur exige presque toujours un paiement anticip\u00e9 de 10 %. C\u2019est ce qu\u2019on appelle commun\u00e9ment l&rsquo;acompte. En quelques jours seulement, vous devez d\u00e9bourser des dizaines de milliers d&rsquo;euros. Une somme tr\u00e8s importante, d&rsquo;autant plus que vous n&rsquo;avez encore rien souscrit pour le pr\u00eat. Un stress que vous pouvez facilement \u00e9viter d\u00e8s maintenant gr\u00e2ce \u00e0 la Garantie. <\/b><\/p>\n<p><span style=\"font-weight: 400;\">Bien qu&rsquo;il n&rsquo;existe aucune exigence l\u00e9gale, l&rsquo;acompte de 10 % est devenu quasiment la norme en Belgique. L&rsquo;acheteur confirme ainsi son engagement et le vendeur se sent en confiance. En g\u00e9n\u00e9ral, le compromis comporte quelques <strong>conditions suspensives<\/strong>. Par exemple, s&rsquo;il s&rsquo;av\u00e8re que le vendeur a commis une infraction urbanistique, ou si l&rsquo;acheteur ne r\u00e9ussit pas \u00e0 conclure un pr\u00eat dans un d\u00e9lai d&rsquo;un mois, l&rsquo;achat sera annul\u00e9 et l&rsquo;acompte sera rembours\u00e9.<\/span><\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section\n\tclass=\"b-block b-editor text-left\"\n\taria-labelledby=\"block_1215ce21a029cbdc29b6629365820bc9-title\"\n>\n\t<div class=\"container\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col \">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col mb-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 id=\"block_1215ce21a029cbdc29b6629365820bc9-title\">10 % d&rsquo;acompte ? Pas envie\u2026 <\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row mb-4\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t\t\t<div class=\"intro text-primary\">\n\t\t\t\t\t\t\t\t\t\t<p>Les jours qui suivent la signature de l&rsquo;acte de vente sont souvent stressants pour l&rsquo;acheteur. Imaginez que la maison de vos r\u00eaves co\u00fbte 300 000 \u20ac et qu&rsquo;il vous faille d\u00e9bourser 30 000 \u20ac. Imm\u00e9diatement. Il y a deux bonnes raisons de ne pas avoir envie de le faire<\/p>\n<ul>\n<li style=\"font-weight: 400;\">La maison ne sera pas \u00e0 vous avant des mois, et pourtant vous devez d\u00e9j\u00e0 payer une telle somme. C&rsquo;est difficile \u00e0 comprendre, n&rsquo;est-ce pas<\/li>\n<li style=\"font-weight: 400;\">Peut-\u00eatre n&rsquo;avez-vous pas encore l&rsquo;argent. C&rsquo;est souvent le cas lors d&rsquo;un <strong>changement de maison<\/strong> : tout votre argent est encore immobilis\u00e9 dans votre ancienne maison, mais elle n&rsquo;a pas encore \u00e9t\u00e9 vendue. Parfois, vos parents sont pr\u00eats \u00e0 vous aider, mais ce n&rsquo;est pas toujours facile non plus.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section\n\tclass=\"b-block b-editor text-left\"\n\taria-labelledby=\"block_0c60713aa81ea3c53f7509acd19ed7ee-title\"\n>\n\t<div class=\"container\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col \">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col mb-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 id=\"block_0c60713aa81ea3c53f7509acd19ed7ee-title\">Gagnez du temps avec la Garantie<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row mb-4\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t\t\t<div class=\"intro text-primary\">\n\t\t\t\t\t\t\t\t\t\t<p>La solution s&rsquo;appelle la <strong>Garantie<\/strong>. Avec elle, une compagnie d&rsquo;assurance garantit votre acompte. Il n&rsquo;y a aucune transaction financi\u00e8re, et donc moins de paperasse, et le vendeur conserve sa tranquillit\u00e9. En cas de probl\u00e8me c\u00f4t\u00e9 acheteur, la compagnie d&rsquo;assurance verse le d\u00e9p\u00f4t (par l&rsquo;interm\u00e9diaire du notaire) au vendeur. Si tout se passe bien, vous, l&rsquo;acheteur, payez simplement la totalit\u00e9 du montant \u00e0 la signature de l&rsquo;acte. C&rsquo;est rassurant, car vous avez eu le temps de r\u00e9unir les fonds. Et c&rsquo;est logique, car vous recevez \u00e9galement les cl\u00e9s au m\u00eame moment.<\/p>\n<p>Cela signifie-t-il que vous pouvez signer un compromis sans risquer de perdre votre acompte ? Absolument pas ! Si les conditions suspensives ont expir\u00e9 et que l&rsquo;achat \u00e9choue, vous devrez quand m\u00eame payer ces 10 %. <strong>La Garantie ne permet pas de tout laisser tomber<\/strong>. Elle vous \u00e9vite le stress de devoir d\u00e9bourser des milliers d&rsquo;euros en quelques jours seulement. Ni plus, ni moins.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section\n\tclass=\"b-block b-editor text-left\"\n\taria-labelledby=\"block_ef73995c86756da4b34b7c4ad3fc7602-title\"\n>\n\t<div class=\"container\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col \">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col mb-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 id=\"block_ef73995c86756da4b34b7c4ad3fc7602-title\">Pas encore disponible partout, mais bien via hypotheek.winkel <\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row mb-4\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t\t\t<div class=\"intro text-primary\">\n\t\t\t\t\t\t\t\t\t\t<p>Le syst\u00e8me de Garantie existe aux Pays-Bas depuis 2004. Son succ\u00e8s est retentissant : pr\u00e8s de deux tiers des acheteurs y ont recours. Il est encore relativement nouveau en Belgique, mais sa popularit\u00e9 grandit d&rsquo;ann\u00e9e en ann\u00e9e. Tout le monde ne propose pas encore cette formule, alors n\u2019h\u00e9sitez pas \u00e0 nous demander conseil !<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Lors de la signature d&rsquo;un compromis, le vendeur exige presque toujours un paiement anticip\u00e9 de 10 %. C\u2019est ce qu\u2019on appelle commun\u00e9ment l&rsquo;acompte. En quelques jours seulement, vous devez d\u00e9bourser des dizaines de milliers d&rsquo;euros. Une somme tr\u00e8s importante, d&rsquo;autant plus que vous n&rsquo;avez encore rien souscrit pour le pr\u00eat. Un stress que vous pouvez facilement \u00e9viter d\u00e8s maintenant gr\u00e2ce \u00e0 la Garantie.<\/p>\n","protected":false},"author":2,"featured_media":5133,"template":"","class_list":["post-10194","cpt-blogs","type-cpt-blogs","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Garantiestelling: Voorschot Tips | Hypotheek.winkel<\/title>\n<meta name=\"description\" content=\"Een voorschot van 10% is doodnormaal bij de aankoop van een huis, maar zo logisch is dat niet. 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