{"id":9710,"date":"2023-10-18T10:53:55","date_gmt":"2023-10-18T08:53:55","guid":{"rendered":"https:\/\/www.hypotheekwinkel.be\/blog\/groei-lening\/"},"modified":"2026-04-07T15:35:05","modified_gmt":"2026-04-07T13:35:05","slug":"pret-progressif","status":"publish","type":"cpt-blogs","link":"https:\/\/www.hypotheekwinkel.be\/fr\/blog\/pret-progressif\/","title":{"rendered":"Le pr\u00eat progressif \u2013 Remboursez moins les premi\u00e8res ann\u00e9es"},"content":{"rendered":"\n\n\t
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En ces temps de taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s (comme aujourd’hui), il peut \u00eatre choquant de voir le montant de la mensualit\u00e9 de votre pr\u00eat hypoth\u00e9caire. Habituellement, ce montant reste fixe, mois apr\u00e8s mois, pendant 20 ou 25 ans. Mais imaginez que pendant les premi\u00e8res ann\u00e9es, vous puissiez payer moins, et qu\u2019ensuite, quand vous avez plus de marge financi\u00e8re, vous payez la mensualit\u00e9 compl\u00e8te. Voil\u00e0, c\u2019est \u00e7a, le pr\u00eat progressif (ou crescendo), en quelques mots.<\/strong><\/p>\n

Avec la plupart des pr\u00eats hypoth\u00e9caires, vous remboursez exactement le m\u00eame montant pendant des ann\u00e9es, chaque mois. C\u2019est un peu \u00e9trange, car ces mensualit\u00e9s p\u00e8sent beaucoup plus lourd sur votre niveau de vie au d\u00e9but qu\u2019\u00e0 la fin. Premi\u00e8rement : vos d\u00e9penses sont plus importantes. Deuxi\u00e8mement : vous \u00eates jeune et n\u2019avez pas encore un gros salaire. Troisi\u00e8mement : la vie sera de toute fa\u00e7on beaucoup plus ch\u00e8re dans 20 ans, de sorte que relativement, la mensualit\u00e9 d\u2019aujourd\u2019hui vous semblera beaucoup moins lourde \u00e0 ce moment-l\u00e0.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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\n <\/path><\/clipPath>\n<\/svg>\n\n\n

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D\u00e9marrez \u00e0 son propre rythme<\/h2>\n <\/div>\n <\/div>\n \n
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Le pr\u00eat progressif (ou pr\u00eat crescendo)<\/p>\n

a \u00e9t\u00e9 pens\u00e9 pour rem\u00e9dier \u00e0 cela. Avec ce type de pr\u00eat, que vous contractez pour 20 ou 25 ans, vous ne versez que 80 \u00e0 85 % de la mensualit\u00e9 pendant les 5 premi\u00e8res ann\u00e9es. Apr\u00e8s 5 ans, vous payez environ 95 % et apr\u00e8s 10 ans, vous commencez \u00e0 payer davantage afin de compenser la r\u00e9duction dont vous avez b\u00e9n\u00e9fici\u00e9 au d\u00e9but. \u00c0 terme, vous aurez pay\u00e9 autant qu\u2019avec un pr\u00eat ordinaire, mais la r\u00e9partition aura \u00e9t\u00e9 diff\u00e9rente.<\/span><\/p>\n

Est-ce que \u00e7a fait une grande diff\u00e9rence\u2009? Absolument. Supposons que la banque vous propose une<\/span> mensualit\u00e9<\/span><\/a> de 1500 euros, mais qu\u2019elle ne sera que de 1200 euros (80 %) lors des premi\u00e8res ann\u00e9es. Une r\u00e9duction qui vous offre une marge de man\u0153uvre financi\u00e8re et un peu <\/span>plus de confort<\/b>. Et lorsque vous devrez payer une mensualit\u00e9 de 110 % les derni\u00e8res ann\u00e9es, il y a de fortes chances que vous puissiez facilement y faire face gr\u00e2ce \u00e0 un salaire plus \u00e9lev\u00e9.<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n \n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n\n\t

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Mettre les bouch\u00e9es doubles dans la derni\u00e8re ligne droite<\/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
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Un point tr\u00e8s pertinent en Belgique, car presque tous les salaires augmentent du fait de l\u2019indexation automatique. En 2023, ils ont augment\u00e9 de pas moins de 11 % et en 2024, ils ont encore augment\u00e9 de 2 %. M\u00eame avec une faible indexation, les salaires ne vont jamais baisser. Il est donc tout \u00e0 fait logique d\u2019opter pour un pr\u00eat profressif. Vous remboursez une plus grosse somme sur la fin, mais votre salaire plus \u00e9lev\u00e9 compensera facilement cette augmentation.<\/span><\/p>\n

Maintenant, la question \u00e0 un million : pourquoi tout le monde ne contracte-t-il pas un pr\u00eat progressif? Il doit s\u00fbrement y avoir un pi\u00e8ge, pas vrai\u2009? Non, pas vraiment. Le taux du pr\u00eat sera peut-\u00eatre l\u00e9g\u00e8rement plus \u00e9lev\u00e9, mais d\u2019un autre c\u00f4t\u00e9, vous b\u00e9n\u00e9ficierez de beaucoup plus de confort. Et si vous n\u2019en avez jamais entendu parler, c\u2019est principalement parce que seules quelques banques proposent ce type de pr\u00eat \u2014 et ce ne sont jamais les grandes banques.<\/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\n\t

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Rester dans le peloton de t\u00eate avec 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
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D\u2019accord, mais o\u00f9 puis-je obtenir ce type de pr\u00eat\u2009? Chez nous, bien s\u00fbr !<\/span> Prenez rendez-vous<\/span><\/a> et nous vous montrerons un tableau tr\u00e8s simple qui vous indiquera combien vous rembourserez avec un pr\u00eat progressif. Apr\u00e8s 5, 10, 15 et 20 ans. Nous comparerons ensuite ce type d\u2019emprunt avec un pr\u00eat traditionnel. Des informations qui pourraient bien faire la diff\u00e9rence entre un OUI et un NON pour la maison de vos r\u00eaves.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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En ces temps de taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s (comme aujourd’hui), il peut \u00eatre choquant de voir le montant de la mensualit\u00e9 de votre pr\u00eat hypoth\u00e9caire. Habituellement, ce montant reste fixe, mois apr\u00e8s mois, pendant 20 ou 25 ans. Mais imaginez que pendant les premi\u00e8res ann\u00e9es, vous puissiez payer moins, et qu\u2019ensuite, quand vous avez plus de marge financi\u00e8re, vous payez la mensualit\u00e9 compl\u00e8te. Voil\u00e0, c\u2019est \u00e7a, le pr\u00eat progressif (ou crescendo), en quelques mots.<\/p>\n","protected":false},"author":2,"featured_media":8260,"template":"","class_list":["post-9710","cpt-blogs","type-cpt-blogs","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nLe pr\u00eat progressif \u2013 Remboursez moins les premi\u00e8res ann\u00e9es | hypotheek.winkel<\/title>\n<meta name=\"description\" content=\"Imaginez payer moins au d\u00e9but, puis augmenter les mensualit\u00e9s quand votre budget le permet. 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