{"id":9962,"date":"2025-06-05T09:41:05","date_gmt":"2025-06-05T07:41:05","guid":{"rendered":"https:\/\/www.hypotheekwinkel.be\/?post_type=cpt-blogs&#038;p=9962"},"modified":"2026-04-07T15:34:45","modified_gmt":"2026-04-07T13:34:45","slug":"pas-de-pret-pas-de-vente-la-condition-suspensive-bientot-obligatoire","status":"publish","type":"cpt-blogs","link":"https:\/\/www.hypotheekwinkel.be\/fr\/blog\/pas-de-pret-pas-de-vente-la-condition-suspensive-bientot-obligatoire\/","title":{"rendered":"Pas de pr\u00eat ? Pas de vente ! La condition suspensive bient\u00f4t obligatoire ?"},"content":{"rendered":"\n<section\n\tclass=\"b-block b-editor text-left\"\n\taria-labelledby=\"block_3dded16ff1e93daea629da3138f245e0-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><em>Chez hypotheek.winkel, nous plaidons pour cela depuis des ann\u00e9es. Et maintenant, Rob Beenders, ministre de la Consommation, s&rsquo;y attelle enfin. Il a d\u00e9pos\u00e9 une proposition visant \u00e0 <strong>rendre obligatoire le pr\u00eat hypoth\u00e9caire comme condition suspensive<\/strong>. Cela semble compliqu\u00e9 ? Nous vous expliquons !<\/em><\/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_2d2275bf0bd515e3841a7f31abff1a4b-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>Les conditions suspensives sont des \u00ab\u00a0garde-fous\u00a0\u00bb dans le contrat de vente (le compromis). Des exemples typiques sont les infractions urbanistiques ou les terrains pollu\u00e9s. Si le notaire, lors de ses recherches, constate que quelque chose ne va pas, la vente n&rsquo;a pas lieu. L&rsquo;acompte que vous avez d\u00e9j\u00e0 vers\u00e9 \u2014 souvent 10 % du prix \u2014 vous est alors simplement rembours\u00e9. Une autre condition importante est que vous devez obtenir un pr\u00eat. Si aucune banque n&rsquo;approuve votre dossier, l&rsquo;accord est \u00e9galement annul\u00e9.<\/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_ed3c9234d1948ce5c46a06cad98263b0-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_ed3c9234d1948ce5c46a06cad98263b0-title\">La mort de l&rsquo;un est le pain de l&rsquo;autre<\/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 data-sourcepos=\"15:1-15:433\">Ne pas trouver de pr\u00eat est une condition suspensive tr\u00e8s logique. Un acompte de 10 % est une somme d&rsquo;argent consid\u00e9rable que vous ne voulez vraiment pas perdre. Pourtant, c&rsquo;est parfois l\u00e0 que le b\u00e2t blesse. Pour les vendeurs, il peut \u00eatre tentant de supprimer cette phrase du compromis. Ils se sentent alors assur\u00e9s que la vente se d\u00e9roulera sans encombre. Et si elle ne se d\u00e9roule pas, ils ont tout de m\u00eame touch\u00e9 un solide acompte.<\/p>\n<p data-sourcepos=\"17:1-17:498\">Le ministre Beenders veut maintenant rendre obligatoire la condition suspensive d&rsquo;un pr\u00eat. Bonne id\u00e9e ? Absolument ! Regardez, les millionnaires n&rsquo;ont vraiment pas besoin de la condition suspensive. Ils ont l&rsquo;argent de toute fa\u00e7on. Mais il y a suffisamment d&rsquo;histoires de jeunes couples qui, sous pression, surench\u00e9rissent et signent soudain pour un montant qu&rsquo;ils ne peuvent en fait pas supporter. Aussi criminel que cela puisse para\u00eetre, certains agents immobiliers y voient un mod\u00e8le \u00e9conomique.<\/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_fe16ec79f305338de496420bf2370b5a-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_fe16ec79f305338de496420bf2370b5a-title\">Vous devez r\u00e9ellement aller \u00e0 la recherche de ce pr\u00eat<\/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 data-sourcepos=\"23:1-23:312\">Et c&rsquo;est \u00e0 cela que la nouvelle loi, d\u00e8s qu&rsquo;elle sera approuv\u00e9e, mettra fin. La condition suspensive sera obligatoire. Probablement, chacun aura un d\u00e9lai de quatre semaines pour trouver un pr\u00eat. Si la premi\u00e8re banque refuse votre dossier, vous aurez encore le temps de vous adresser \u00e0 une ou deux autres banques.<\/p>\n<p data-sourcepos=\"25:1-25:396\">Le secteur immobilier a r\u00e9agi avec moins d&rsquo;enthousiasme. Ils disent que les gens feront d\u00e9sormais des offres \u00e0 la l\u00e9g\u00e8re sur diff\u00e9rentes maisons en m\u00eame temps, car ils n&rsquo;auront plus rien \u00e0 perdre. N&rsquo;importe quoi. Vous devez en effet r\u00e9ellement prouver que votre demande de pr\u00eat a \u00e9t\u00e9 refus\u00e9e. M\u00eame avec une condition suspensive. Faire un peu semblant de ne pas trouver d&rsquo;argent n&rsquo;est pas une option.<\/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_62bb423392d9e148c017e15444f7aed8-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_62bb423392d9e148c017e15444f7aed8-title\">Hypotheek.winkel vous donne une longueur d&rsquo;avance<\/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>Vous avez jet\u00e9 votre d\u00e9volu sur une maison ? Et vous voulez tout de m\u00eame prouver au vendeur que vous \u00eates une option fiable ? <a href=\"https:\/\/www.hypotheekwinkel.be\/fr\/contact\/\">Venez nous voir chez hypotheek.winkel<\/a>. Nous pouvons vous fournir un <strong>certificat de faisabilit\u00e9<\/strong>. Ce document prouve au vendeur que vous \u00eates solvable pour un pr\u00eat d&rsquo;un certain montant (en respectant votre vie priv\u00e9e). Cela donne la tranquillit\u00e9 d&rsquo;esprit au vendeur, et vous avez une longueur d&rsquo;avance. Tout le monde est content !<\/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\t\t<div class=\"row\">\n\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<ul class=\"list-unstyled\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.hypotheekwinkel.be\/fr\/prenez-un-rendez-vous\/\" class=\"btn btn-primary\"\n\t\t\t\t\t\t\t\t\t\t   target=\"\">\n\t\t\t\t\t\t\t\t\t\t\tPrenez un rendez-vous\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\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<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chez hypotheek.winkel, nous plaidons pour cela depuis des ann\u00e9es. Et maintenant, Rob Beenders, ministre de la Consommation, s&rsquo;y attelle enfin. Il a d\u00e9pos\u00e9 une proposition visant \u00e0 rendre obligatoire le pr\u00eat hypoth\u00e9caire comme condition suspensive. Cela semble compliqu\u00e9 ? Nous vous expliquons !<\/p>\n","protected":false},"author":2,"featured_media":9996,"template":"","class_list":["post-9962","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>Pas de pr\u00eat ? Pas de vente ! La condition suspensive bient\u00f4t obligatoire ? | hypotheek.winkel<\/title>\n<meta name=\"description\" content=\"Chez hypotheek.winkel, nous plaidons pour cela depuis des ann\u00e9es. Et maintenant, Rob Beenders, ministre de la Consommation, s\u2019y attelle enfin.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hypotheekwinkel.be\/fr\/blog\/pas-de-pret-pas-de-vente-la-condition-suspensive-bientot-obligatoire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pas de pr\u00eat ? Pas de vente ! La condition suspensive bient\u00f4t obligatoire ? | hypotheek.winkel\" \/>\n<meta property=\"og:description\" content=\"Chez hypotheek.winkel, nous plaidons pour cela depuis des ann\u00e9es. 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