{"id":6232,"date":"2024-03-10T15:19:22","date_gmt":"2024-03-10T15:19:22","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6232"},"modified":"2025-09-25T21:04:01","modified_gmt":"2025-09-25T21:04:01","slug":"revenir-sur-le-marche-du-logement-apres-des-difficultes-de-credit","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/fr\/getting-back-into-the-housing-market-after-credit-difficulties\/","title":{"rendered":"Revenir sur le march\u00e9 du logement apr\u00e8s des difficult\u00e9s de cr\u00e9dit"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6232\" class=\"elementor elementor-6232\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-55b13d4d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55b13d4d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-354bf9dc\" data-id=\"354bf9dc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-339f7663 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"339f7663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contrairement \u00e0 la croyance populaire, il n'est pas n\u00e9cessaire d'avoir un historique de cr\u00e9dit parfait pour acheter une maison. Il est plus important de comprendre ce qu'un \u00e9v\u00e9nement d\u00e9favorable en mati\u00e8re de cr\u00e9dit exigera de vous apr\u00e8s qu'il se soit produit.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Apr\u00e8s un \u00e9v\u00e9nement de cr\u00e9dit d\u00e9favorable, vous devrez g\u00e9n\u00e9ralement:-<\/p>\n<ul>\n<li>N\u00e9cessit\u00e9 de respecter un d\u00e9lai d'attente avant de contracter un pr\u00eat hypoth\u00e9caire<\/li>\n<li>Vous devez utiliser ce temps pour reconstruire votre cr\u00e9dit autant que possible.<\/li>\n<li>Besoin de contracter un pr\u00eat hypoth\u00e9caire adapt\u00e9 \u00e0 votre situation sp\u00e9cifique<\/li>\n<\/ul>\n<div>\u00a0<\/div>\n<p>Un pr\u00eat pour \u00e9v\u00e9nement de cr\u00e9dit r\u00e9cent offre des crit\u00e8res d'\u00e9ligibilit\u00e9 plus souples que les pr\u00eats conventionnels. Ces pr\u00eats peuvent \u00e9galement vous permettre d'entrer sur le march\u00e9 de l'immobilier plus rapidement que ne le permettraient les exigences des pr\u00eats FHA ou conventionnels. N\u00e9anmoins, il est utile de conna\u00eetre les p\u00e9riodes d'attente des pr\u00eats FHA et conventionnels.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Qu'est-ce qu'un \u00e9v\u00e9nement d\u00e9favorable en mati\u00e8re de cr\u00e9dit ?<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>L'un des \u00e9v\u00e9nements de cr\u00e9dit suivants peut rendre plus difficile l'obtention de certains pr\u00eats hypoth\u00e9caires.<\/p>\n<ul>\n<li>Chapitre 7<\/li>\n<li>Chapitre 13<\/li>\n<li>Ventes \u00e0 d\u00e9couvert<\/li>\n<li>Saisies\u00a0<\/li>\n<li>Acte en lieu et place d'une saisie<\/li>\n<li>Charges hypoth\u00e9caires<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Nos pr\u00eats pour \u00e9v\u00e9nements de cr\u00e9dit r\u00e9cents sont con\u00e7us pour aider les personnes qui ont subi l'un de ces \u00e9v\u00e9nements.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Chapitre 7<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Pour acheter une maison avec un pr\u00eat FHA apr\u00e8s une faillite au titre du chapitre 7, vous devez remplir les conditions suivantes.<\/p>\n<ul>\n<li>Respecter une p\u00e9riode d'attente de deux ans<\/li>\n<li>Effectuer tous les paiements \u00e0 temps au cours de ces deux ann\u00e9es<\/li>\n<li>Atteindre un score de cr\u00e9dit minimum de 580<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Les pr\u00eats conventionnels exigent une p\u00e9riode d'attente de quatre ans, \u00e0 moins que vous ne puissiez prouver l'existence de circonstances att\u00e9nuantes, et vous obligent g\u00e9n\u00e9ralement \u00e0 obtenir une cote de cr\u00e9dit beaucoup plus \u00e9lev\u00e9e. Il n'est pas impossible d'obtenir une cote de cr\u00e9dit \u00e9lev\u00e9e apr\u00e8s le chapitre 7, mais vous devez savoir que les exigences sont plus strictes.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Chapitre 13\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Certaines personnes peuvent demander un pr\u00eat FHA un an apr\u00e8s le d\u00e9but de leur p\u00e9riode de remboursement au titre du chapitre 13, avec l'approbation de l'administrateur.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Si vous avez termin\u00e9 votre plan de remboursement au titre du chapitre 13, vous pouvez demander un pr\u00eat FHA sans p\u00e9riode d'attente.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Vous pouvez demander un pr\u00eat conventionnel deux ans apr\u00e8s la date de lib\u00e9ration. Si votre faillite au titre du chapitre 13 a \u00e9t\u00e9 rejet\u00e9e au lieu d'\u00eatre annul\u00e9e, vous devez attendre quatre ans \u00e0 compter de la date du rejet.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Ventes \u00e0 d\u00e9couvert, actes de disposition ou abandons de cr\u00e9ances<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Les pr\u00eateurs FHA vous demanderont de respecter une p\u00e9riode d'attente de trois ans apr\u00e8s la date enregistr\u00e9e de l'\u00e9v\u00e9nement.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Les pr\u00eateurs conventionnels exigent une p\u00e9riode d'attente de quatre ans apr\u00e8s un acte de disposition, une vente avant saisie (vente \u00e0 d\u00e9couvert) ou une radiation d'un compte hypoth\u00e9caire. Si vous pouvez prouver que vous avez des circonstances att\u00e9nuantes, vous pourrez peut-\u00eatre r\u00e9duire cette p\u00e9riode d'attente \u00e0 deux ans.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Saisies<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Vous pouvez demander un pr\u00eat FHA trois ans apr\u00e8s la saisie.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Les pr\u00eats conventionnels exigent une p\u00e9riode d'attente de sept ans apr\u00e8s une saisie. Si vous pouvez prouver que vous avez des circonstances att\u00e9nuantes, vous pourrez peut-\u00eatre r\u00e9duire cette p\u00e9riode d'attente \u00e0 trois ans.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Reconstruire son cr\u00e9dit<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Si vous souhaitez acheter une maison apr\u00e8s un \u00e9v\u00e9nement de cr\u00e9dit d\u00e9favorable, il est avantageux d'augmenter votre pointage de cr\u00e9dit autant que possible.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>L'augmentation de votre score peut vous ouvrir des options et vous permettre de b\u00e9n\u00e9ficier de taux d'int\u00e9r\u00eat plus bas.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>En outre, le pr\u00eat FHA n'est peut-\u00eatre pas adapt\u00e9 \u00e0 votre situation, car les limites de pr\u00eat sont plus basses et vous devez souscrire une assurance hypoth\u00e9caire m\u00eame si vous versez un acompte de 20% ou plus.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Vous pouvez peut-\u00eatre reconstituer votre cr\u00e9dit en prenant une petite carte de cr\u00e9dit garantie, en utilisant une tr\u00e8s petite partie de votre cr\u00e9dit disponible et en remboursant la carte \u00e0 temps, en totalit\u00e9, chaque mois.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Choisir le bon pr\u00eat\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Nos pr\u00eats pour \u00e9v\u00e9nements de cr\u00e9dit r\u00e9cents offrent des p\u00e9riodes d'attente plus courtes que les pr\u00eats conventionnels.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Nous \u00e9valuons les pr\u00eats au cas par cas et appliquons des crit\u00e8res d'\u00e9ligibilit\u00e9 plus souples. Pour r\u00e9soudre vos probl\u00e8mes de cr\u00e9dit, nous pouvons vous aider \u00e0 demander un pr\u00eat FHA ou \u00e0 obtenir un pr\u00eat immobilier dans le cadre de l'un de nos autres programmes.\u00a0\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Si vous ne souscrivez pas \u00e0 un <a title=\"\" href=\"https:\/\/thedocegroup.com\/fha-loans\/\">Pr\u00eat FHA<\/a>Vous devrez donc planifier en cons\u00e9quence. Vous devrez peut-\u00eatre verser un acompte plus important et payer des taux d'int\u00e9r\u00eat plus \u00e9lev\u00e9s. N\u00e9anmoins, vous aurez une deuxi\u00e8me chance d'acc\u00e9der \u00e0 la propri\u00e9t\u00e9 apr\u00e8s les \u00e9preuves que vous avez travers\u00e9es.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Ne perdez pas espoir. Trouvez le bon pr\u00eat hypoth\u00e9caire en prenant rendez-vous avec <a title=\"\" href=\"https:\/\/g.page\/r\/Caqw1nYAs-VQEBM\/review\">Alex Doce<\/a> aujourd'hui.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Contrary to popular belief, you do not have to have a perfect credit history in order to buy a house. It&#8217;s more important to understand what an adverse credit event will require of you after it happens. After an adverse credit event, you will generally:- Need to observe a waiting period before you take out [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6233,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6232","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.6.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"It is possible to obtain a home loan after bankruptcy, foreclosure, or short sales. Different options may be available to you. 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