{"id":3971,"date":"2023-03-14T19:23:53","date_gmt":"2023-03-14T19:23:53","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?page_id=3971"},"modified":"2023-03-14T19:30:08","modified_gmt":"2023-03-14T19:30:08","slug":"vous-pouvez-encore-vous-qualifier-pour-un-pret-hypothecaire-2","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/fr\/vous-pouvez-encore-vous-qualifier-pour-un-pret-hypothecaire-2\/","title":{"rendered":"Vous pouvez encore pr\u00e9tendre \u00e0 un pr\u00eat hypoth\u00e9caire"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3971\" class=\"elementor elementor-3971\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ccae8fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccae8fe\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-b8e6008\" data-id=\"b8e6008\" data-element_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-9d87a9d elementor-widget elementor-widget-heading\" data-id=\"9d87a9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pas de pointage de cr\u00e9dit ? Vous pouvez quand m\u00eame obtenir un pr\u00eat hypoth\u00e9caire<\/h1>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c4f8c32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c4f8c32\" data-element_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-127d703\" data-id=\"127d703\" data-element_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-6152956 elementor-widget elementor-widget-video\" data-id=\"6152956\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen allow=\"clipboard-write\" title=\"vimeo Video Player\" src=\"https:\/\/player.vimeo.com\/video\/808059243?color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1#t=\"><\/iframe>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-379cd88 elementor-widget elementor-widget-text-editor\" data-id=\"379cd88\" data-element_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><strong>Vous pouvez toujours pr\u00e9tendre \u00e0 un pr\u00eat hypoth\u00e9caire sans avoir de cote de cr\u00e9dit. <\/strong><\/p><p>Si vous \u00eates un emprunteur qui n'utilise pas de cr\u00e9dit traditionnel mais qui a des ant\u00e9c\u00e9dents de paiement exemplaires pour le loyer et d'autres cr\u00e9anciers non d\u00e9clar\u00e9s, comme les services publics, les compagnies d'assurance et les factures de t\u00e9l\u00e9phone, ainsi qu'une foule d'autres cr\u00e9anciers v\u00e9rifiables, vous pouvez utiliser votre cr\u00e9dit non traditionnel pour obtenir un pr\u00eat hypoth\u00e9caire. Vous pouvez alors utiliser votre cr\u00e9dit non traditionnel pour obtenir un pr\u00eat hypoth\u00e9caire. Il est important de savoir que les pr\u00eateurs tiennent toujours compte des r\u00e9f\u00e9rences de cr\u00e9dit d\u00e9rogatoires qui apparaissent dans le rapport de cr\u00e9dit : -Il ne peut y avoir de retard de 30 jours dans le paiement des loyers au cours des 12 derniers mois. -Un seul autre compte peut avoir un retard de paiement de 30 jours au cours des 12 derniers mois. -Aucun recouvrement (autre que m\u00e9dical) ou jugement au cours des 24 derniers mois. -Les jugements, privil\u00e8ges, recouvrements et radiations de comptes non hypoth\u00e9caires doivent \u00eatre satisfaits conform\u00e9ment aux lignes directrices. -La propri\u00e9t\u00e9 doit \u00eatre une r\u00e9sidence principale d'un seul logement et tous les emprunteurs doivent l'occuper. -Tous les types de propri\u00e9t\u00e9 sont autoris\u00e9s, mais PAS de maisons mobiles. -Il doit s'agir d'un achat ou d'un refinancement limit\u00e9. -Il doit s'agir d'un achat ou d'un refinancement limit\u00e9 en esp\u00e8ces -Le montant du pr\u00eat doit respecter les limites des pr\u00eats conformes -Il doit s'agir d'un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe avec un acompte de 10% ou plus. -Le ratio revenu\/dette ne doit pas \u00eatre sup\u00e9rieur \u00e0 40%. -Des r\u00e9serves peuvent \u00eatre exig\u00e9es. Enfin, il existe un programme qui permet aux emprunteurs prudents qui d\u00e9testent s'endetter d'obtenir un pr\u00eat hypoth\u00e9caire sans avoir \u00e0 se constituer un historique de cr\u00e9dit traditionnel pour obtenir un score de cr\u00e9dit.<\/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>No Credit Score? You Can Still Qualify for a Mortgage https:\/\/vimeo.com\/808059243 You can still qualify for a mortgage without a credit score. If you are a borrower who doesn\u2019t use traditional credit but have exemplary payment history with rent and other non-reporting creditors, which can include Utilities, insurance carriers, and phone bills as well as [&hellip;]<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3971","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>You Can Still Qualify for a Mortgage - Heide International LLC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heideinternational.com\/fr\/vous-pouvez-encore-vous-qualifier-pour-un-pret-hypothecaire-2\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"You Can Still Qualify for a Mortgage - Heide International LLC\" \/>\n<meta property=\"og:description\" content=\"No Credit Score? 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