{"id":62314,"date":"2018-11-26T11:07:13","date_gmt":"2018-11-26T16:07:13","guid":{"rendered":"https:\/\/frenchdistrict.com\/new-york\/articles\/\/"},"modified":"2021-06-22T07:26:22","modified_gmt":"2021-06-22T11:26:22","slug":"louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun","status":"publish","type":"post","link":"https:\/\/frenchdistrict.com\/new-york\/articles\/louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun\/","title":{"rendered":"Faut-il acheter ou louer \u00e0 New York ?"},"content":{"rendered":"<h2>\u00c0 vos calculatrices !<\/h2>\n<p>S\u2019engager dans une <strong>acquisition immobili\u00e8re<\/strong> suppose que vous avez suffisamment d\u2019argent pour <strong>l\u2019achat<\/strong>, et pour les d\u00e9penses connexes \u00e0 celui-ci, par exemple, des \u00e9conomies sur un compte \u00e9pargne. Ainsi, vous serez capable de couvrir toutes vos d\u00e9penses de logement, au sens large.<\/p>\n<p>Sachez que vous pouvez<strong> devenir propri\u00e9taire<\/strong> avec seulement 3% d\u2019apport avec un <strong>pr\u00eat conventionnel<\/strong> et parfois m\u00eame moins si vous \u00eates un ancien combattant ou que vous achetez dans des zones sp\u00e9cifiques (rurales). Souvenez vous toutefois qu\u2019en plus de ces 3%, vous devrez verser les frais de cl\u00f4ture (closing) et d\u2019autres types de frais.<\/p>\n<h2>Les organismes pr\u00eateurs<\/h2>\n<p>Les pr\u00eateurs examinent votre <strong>ratio dette \/ revenu<\/strong> (<em>Debt-to-Income Ratio<\/em>), ou le ratio de vos d\u00e9penses mensuelles totales li\u00e9es au <strong>logement\u00a0\u00e0 votre revenu brut<\/strong>\u00a0:<\/p>\n<ul>\n<li>\r\n\t<div class=\"sponsor__article sponsor__article--right\">\r\n\t\t<div class=\"inner\">\r\n\t\t\t<div class=\"sponsor__by\">Pr&eacute;sent&eacute; par...<\/div>\r\n\t\t\t<div>\r\n\t\t\t\t<a href=\"https:\/\/frenchdistrict.com\/presentez-entreprise\/\" target=\"_blank\">\r\n\t\t\t\t<div class=\"sponsor__illus\"><img decoding=\"async\" src=\"https:\/\/frenchdistrict.com\/new-york\/wp-content\/uploads\/sites\/3\/2024\/05\/french-district-referencez-entreprise.png\" alt=\"French District\" \/><\/div>\r\n\t\t\t\t<div class=\"sponsor__content\">\r\n\t\t\t\t\t<p class=\"sponsor__title\">French District<\/p>\r\n\t\t\t\t\t<div class=\"sponsor__slogan\">French District : Le lien entre les entreprises et les expatri\u00e9s.<\/div>\r\n\t\t\t\t\t<div class=\"vce-button vce-button--small\" style=\"background-color: #444444;\"><i class=\"fa fa-hand-o-right\" aria-hidden=\"true\">&nbsp;<\/i>French District<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\t\t\r\n\t\t<\/div>\r\n\t<\/div>Capital<\/li>\n<li>Int\u00e9r\u00eats<\/li>\n<li>Imp\u00f4ts<\/li>\n<li>Assurance<\/li>\n<li>Assurance pr\u00eat hypoth\u00e9caire<\/li>\n<li>Redevances HOA,<\/li>\n<li>Autres paiements mensuels sur cartes de cr\u00e9dit, pr\u00eats auto, etc.<\/li>\n<\/ul>\n<p>Pour devenir <strong>propri\u00e9taire<\/strong>, vous devez g\u00e9n\u00e9rer un revenu brut de 2 \u00e0 4 fois le montant total du <strong>paiement du logement<\/strong>. Bien s\u00fbr, les dossiers sont \u00e9valu\u00e9s au cas par cas. Par exemple, si vous avez un emploi \u00e0 temps plein et un employeur solide, g\u00e9rez bien votre cr\u00e9dit et que vous disposez toujours d&#8217;\u00e9conomies apr\u00e8s la vente d&#8217;une maison, vous pouvez probablement consacrer la moiti\u00e9 de votre revenu brut au <strong>paiement de votre logement<\/strong>.<\/p>\n<h2>Et vous, que voulez-vous ?<\/h2>\n<p>Car \u00eatre capable d\u2019<strong>acheter une maison<\/strong> financi\u00e8rement est une chose, le vouloir vraiment en est une autre. \u00catre libre d\u2019am\u00e9nager son int\u00e9rieur comme on le veut mais devoir provisionner pour les r\u00e9parations futures, se constituer un patrimoine mais s\u2019assurer de pouvoir <strong>faire une plus-value au moment de la revente<\/strong>, <strong>acheter un bien immobilier \u00e0 New York<\/strong> n\u2019est pas simple et il faut bien s\u2019y pr\u00e9parer, notamment avec l\u2019aide d\u2019un <strong>agent immobilier<\/strong>, sp\u00e9cialiste du march\u00e9.<\/p>\n<h2>Contactez Patrick Ben Hayoun<\/h2>\n<div class=\"infos-listing\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 vos calculatrices ! S\u2019engager dans une acquisition immobili\u00e8re suppose que vous avez suffisamment d\u2019argent pour l\u2019achat, et pour les d\u00e9penses connexes \u00e0 celui-ci, par exemple, des \u00e9conomies sur un compte \u00e9pargne. Ainsi, vous serez capable de couvrir toutes vos d\u00e9penses de logement, au sens large. Sachez que vous pouvez devenir propri\u00e9taire avec seulement 3% [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":62315,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1909],"tags":[2025,1399,2022,2049,2048],"class_list":["post-62314","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-immobilier-etats-unis","tag-agent-immobilier-new-york","tag-immobilier-new-york","tag-investir-new-york","tag-location-appartement-new-york","tag-louer-new-york"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Louer ou acheter un bien immobilier \u00e0 New York - Patrick Ben Hayoun<\/title>\n<meta name=\"description\" content=\"Investir dans l\u2019immobilier \u00e0 New York est une valeur s\u00fbre et un choix judicieux. Pourtant, faute de revenus suffisants, peur de s\u2019engager... nombreux sont ceux qui h\u00e9sitent encore.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/frenchdistrict.com\/new-york\/articles\/louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Louer ou acheter un bien immobilier \u00e0 New York - Patrick Ben Hayoun\" \/>\n<meta property=\"og:description\" content=\"Investir dans l\u2019immobilier \u00e0 New York est une valeur s\u00fbre et un choix judicieux. Pourtant, faute de revenus suffisants, peur de s\u2019engager... nombreux sont ceux qui h\u00e9sitent encore.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/frenchdistrict.com\/new-york\/articles\/louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun\/\" \/>\n<meta property=\"og:site_name\" content=\"New York\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/frenchdistrict\" \/>\n<meta property=\"article:published_time\" content=\"2018-11-26T16:07:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-06-22T11:26:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/frenchdistrict.com\/new-york\/wp-content\/uploads\/sites\/3\/2018\/11\/louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun-une.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1066\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"alix\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@frenchdistrict\" \/>\n<meta name=\"twitter:site\" content=\"@frenchdistrict\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"alix\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/frenchdistrict.com\/new-york\/articles\/louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun\/\",\"url\":\"https:\/\/frenchdistrict.com\/new-york\/articles\/louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun\/\",\"name\":\"Louer ou acheter un bien immobilier \u00e0 New York - Patrick Ben Hayoun\",\"isPartOf\":{\"@id\":\"https:\/\/frenchdistrict.com\/new-york\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/frenchdistrict.com\/new-york\/articles\/louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/frenchdistrict.com\/new-york\/articles\/louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/frenchdistrict.com\/new-york\/wp-content\/uploads\/sites\/3\/2018\/11\/louer-acheter-bien-immobilier-new-york-patrick-ben-hayoun-une.jpg\",\"datePublished\":\"2018-11-26T16:07:13+00:00\",\"dateModified\":\"2021-06-22T11:26:22+00:00\",\"author\":{\"@id\":\"https:\/\/frenchdistrict.com\/new-york\/#\/schema\/person\/c6f42e2f256922989bb0a4df40eb74eb\"},\"description\":\"Investir dans l\u2019immobilier \u00e0 New York est une valeur s\u00fbre et un choix judicieux. 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