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Comment avoir un crédit immobilier en étant chef d’entreprise ?

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En tant qu’entrepreneur, il peut être plus compliqué d’obtenir un prêt pour son projet immobilier, le contrat en CDI étant considéré comme le sésame pour accéder à la propriété. Il n’est cependant pas impossible d’obtenir un crédit immobilier tout en étant chef d’entreprise.

Quel que soit votre statut, l’important est de rassurer les banques sur vos capacités de remboursement et d’endettement. À travers quelques actions, vous pouvez maximiser vos chances d’avoir un crédit immobilier en étant chef d’entreprise.

Rassurer en présentant un dossier solide

Le dossier personnel du dirigeant

Pour avoir un crédit immobilier en étant chef d’entreprise, la banque vous demandera tout d’abord de fournir les mêmes documents que n’importe quel emprunteur : papiers d’identité, livret de famille, justificatif de domicile. Si vous co-empruntez avec une personne salariée en CDI, la banque sera plus favorable pour vous accorder le crédit.

Lors d’une demande de prêt immobilier, la banque analyse la gestion des comptes personnels du demandeur. Ainsi, au regard de la gestion des comptes personnels elle définit la capacité de l’emprunteur à faire face à ses charges et étudie sa solvabilité. Elle tient compte également de la charge supplémentaire que représentent les mensualités du crédit demandé. Pour ce faire, elle se base sur la gestion des comptes au cours des 3 derniers mois précédant la demande.

Votre statut à l’égard de votre entreprise est également important. Si vous êtes assimilé salarié, le fonctionnement sera le même que pour n’importe quel salarié en CDI et la procédure sera simplifiée. Si vous êtes sous le statut de travailleur non-salarié la procédure est plus complexe mais tout de même envisageable.

Il est donc important de bien gérer ses comptes personnels lorsque l’on souhaite avoir un crédit immobilier en étant chef d’entreprise. Si vous n’avez pas de bulletin de salaire, votre banque peut se baser sur votre dernier avis d’imposition ou sur vos déclarations URSSAF pour connaître vos revenus.

Le reste à vivre

Comme son nom l’indique, il s’agit de la somme qu’il vous reste pour vivre, une fois l’ensemble des charges fixes déduites. Dans ce calcul de reste à vivre, la banque va intégrer le saut de charge, qui représente l’écart de charge entre votre situation financière actuelle et votre situation financière après avoir souscrit le crédit immobilier.

Tout comme pour les salariés, pour avoir un crédit immobilier en étant chef d’entreprise la banque vérifiera que votre reste à vivre est bien suffisant. C’est un montant calculé en fonction de votre lieu d’habitation, du nombre de personnes qui composent votre foyer et parfois même de leur âge. Il est important de savoir aussi que chaque banque a son propre mode de calcul.

Si vous avez d’autres crédits en cours, vous devez pouvoir fournir à votre banque les tableaux d’amortissement concernant ces crédits. Les mensualités de remboursement seront prises en compte pour le calcul de votre reste à charge, mais également dans le calcul de votre taux d’endettement.

Posséder un apport

Bien qu’il ne soit pas obligatoire, c’est un véritable ticket d’entrée dans l’accession à la propriété. Pour avoir un crédit immobilier en étant chef d’entreprise, l’apport est d’autant plus important puisqu’il peut démontrer votre capacité à épargner. Vous apportez ainsi la preuve que votre budget est maitrisé et votre reste à vivre amplement suffisant.

Concernant son montant, il est recommandé d’avoir un apport minimum d’environ 10% du projet, a minima pour couvrir les frais de notaires et les frais bancaires.

Il peut s’agir d’épargnes sur livret ou d’une assurance-vie. Vous munir des relevés associés à ces comptes peut renforcer votre dossier.

Pour appuyer votre projet, vous pouvez également joindre à vos documents un compromis de vente signé. Cela démontrera en effet l’avancée et le sérieux de votre projet de recherche.

Démontrer la pérennité de votre entreprise

L’analyse du bilan

Pour avoir un crédit immobilier en étant chef d’entreprise vous devez fournir vos trois derniers bilans. La banque vérifie alors la constance voire la hausse de votre activité pour en déduire sa pérennité.

Le conseiller bancaire analyse les actifs de votre société. Ceux-ci correspondent aux possessions de l’entreprise. Ils sont composés de plusieurs éléments :

– les stocks de marchandise ;

– les créances de vos clients ;

– les immobilisations incorporelles qui incluent par exemple le matériel ou encore les logiciels ;

– les immobilisations corporelles constituées par les locaux par exemple.

Il tient compte également du passif de votre société. Celui-ci correspond aux capitaux propres, ainsi qu’aux dettes personnelles, fiscales, sociales, ou fournisseurs de votre entreprise.

Sur cette période de trois ans, vos bilans doivent impérativement être bénéficiaires pour vous permettre d’avoir un crédit immobilier en étant chef d’entreprise.

En plus de vos bilans, vous devez joindre plusieurs documents et justificatifs concernant votre entreprise : les statuts, l’arrêt comptable de l’année en cours, et les liasses fiscales. Celles-ci correspondent à la déclaration de vos résultats faite auprès de votre service des impôts. En plus des déclarations, la liasse est composée des documents annexes sur lesquels se base l’administration pour calculer votre résultat imposable et en déduire l’impôt à payer. Cet ensemble de documents sert à valoriser le patrimoine financier de votre société en vue d’avoir un crédit immobilier en étant chef d’entreprise.

Les régimes spéciaux

Parmi les différents statuts juridiques, la micro-entreprise présente des spécificités. C’est en effet un statut simplifié mais qui n’est pas garant de stabilité financière. Préparer un dossier pour avoir un crédit immobilier en étant chef d’entreprise d’une micro-entreprise est donc une procédure plus rigoureuse.

Considérant ce statut comme étant plus précaire, la banque peut vous demander entre 4 et 5 ans d’activité pour prouver la fiabilité de votre entreprise et la durabilité de votre activité.

Dans ce statut, les professions libérales font figures d’exception en étant plus favorablement acceptées. Il est donc plus simple d’avoir un crédit immobilier en étant chef d’entreprise en exerçant une profession libérale. Celles-ci sont généralement associées à une expertise et à des revenus plus confortables. Pour ces professions, il est plus fréquemment demandé d’avoir au moins deux ans d’expérience. Vous devez alors produire comme justificatif les déclarations 2035-DS disponibles sur le site de l’administration fiscale.

Disposer de revenus suffisants

Pour calculer votre capacité d’emprunt maximale, votre banque doit définir un montant correspondant à 33% de vos revenus.

Si vous n’avez pas de bulletin de salaire, votre conseiller peut se baser sur votre dernier avis d’imposition ou sur vos déclarations URSSAF pour déterminer vos revenus.

Pour d’avoir un crédit immobilier en étant chef d’entreprise, vous ne pouvez pas dépasser ce plafond, sauf en cas de revenus élevés, et donc de reste à charge élevé.

Avoir un compte professionnel

Bien qu’un compte bancaire personnel dédié suffise pour certains statuts d’entreprise, il peut être bénéfique d’ouvrir un compte professionnel pour avoir un crédit immobilier en étant chef d’entreprise. Vous pouvez intégrer ce paramètre au cours de la négociation en proposant l’éventualité d’ouvrir un compte professionnel dans la banque qui financera votre prêt.

Faire appel à un courtier

Solliciter les services d’un courtier immobilier peut être une solution pertinente pour avoir un crédit immobilier en étant chef d’entreprise. Elle comporte en effet plusieurs avantages. Le recours à ce type de prestataire permet au chef d’entreprise de rester centré sur son activité et en déléguant la recherche de l’établissement bancaire et la négociation des composantes du crédit à un professionnel. Le courtier joue le rôle d’intermédiaire et pourra négocier les taux, les conditions et l’assurance auprès des gestionnaires de comptes. Il discutera aussi des conditions d’hypothèque ou de garantie. Il bénéficie de conditions de négociation plus favorables pour vous permettre d’avoir un crédit immobilier en étant chef d’entreprise car c’est lui qui permet à la banque d’obtenir de nouveaux clients. Le courtier présente généralement plusieurs dossiers au cours d’une seule réunion pendant laquelle il négocie directement avec le décideur de l’attribution du crédit.

Compléter son apport via le crowdfunding

Si malgré tous vos efforts votre apport n’est pas assez élevé pour réussir à avoir un crédit immobilier en étant chef d’entreprise, ou si vous avez peur d’investir toute votre épargne dans ce projet et préférez conserver une marge de sécurité, vous pouvez envisager de passer par un crowdfunding. 

C’est une solution de financement participatif réalisé via des plateformes dédiées qui mettent en relation les porteurs de projets et les particuliers investisseurs. Par ce biais, vous pouvez solliciter la participation de finances inconnus, mais également la participation de vos proches. Le mécanisme de prêt, les taux, commissions, montants et durées des mensualités sont ensuite définis selon les critères de la plateforme. 

Il s’agit le plus souvent de crédits couvrant une période courte de 6 à 24 mois. Les plateformes de crowdfunding ont pour avantage de fiabiliser les projets, car elles étudient la situation financière des porteurs de projets avant leur publication. 

Comme dans un système classique de prêt bancaire, l’emprunteur rembourse sur la durée définie la somme prêtée par le financeur selon le montant, la périodicité et le taux définis en amont. Le crowdfunding peut donc constituer une solution intéressante pour booster votre apport vous permettant ainsi de financer les frais liés à l’achat immobilier et d’augmenter vos chances d’obtenir votre crédit immobilier. 

Conclusion

Vous savez maintenant comment avoir un crédit immobilier en étant chef d’entreprise.

Si vous souhaitez être formé dans l’immobilier découvrez notre logiciel immobilier ou obtenir facilement un crédit, cliquez en dessous.

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