{"id":1181,"date":"2025-05-07T10:36:49","date_gmt":"2025-05-07T10:36:49","guid":{"rendered":"https:\/\/isralegal.com\/?p=1181"},"modified":"2025-08-04T12:54:06","modified_gmt":"2025-08-04T12:54:06","slug":"le-pret-hypothecaire-inverse-en-israel","status":"publish","type":"post","link":"https:\/\/isralegal.com\/index.php\/2025\/05\/07\/le-pret-hypothecaire-inverse-en-israel\/","title":{"rendered":"Le pr\u00eat hypoth\u00e9caire \u00ab\u00a0invers\u00e9\u00a0\u00bb en Isra\u00ebl"},"content":{"rendered":"<p>Le <b>pr\u00eat hypoth\u00e9caire invers\u00e9<\/b>, ou \u00ab pr\u00eat de retraite \u00bb, permet aux propri\u00e9taires \u00ab\u00a0seniors\u00a0\u00bb d\u2019acc\u00e9der \u00e0 des liquidit\u00e9s, sans vendre leur logement.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>C\u2019est une solution flexible propos\u00e9e, en Isra\u00ebl, par des compagnies d\u2019assurance et par certaines banques en Isra\u00ebl.<\/p>\n<p><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/><\/p>\n<p>\ud83d\udc65<b> \u00c0 qui s\u2019adresse ce pr\u00eat ?<\/b><\/p>\n<p>Ce pr\u00eat est destin\u00e9 aux seniors, personnes \u00e2g\u00e9es de <b>55 ans ou plus <\/b>(parfois qu\u2019au-del\u00e0 de 60 ans) &#8211; selon l\u2019\u00e2ge du plus jeune des emprunteurs &#8211; <b>propri\u00e9taires d\u2019un bien immobilier<\/b> r\u00e9sidentiel.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Sans objectif limit\u00e9, il peut donc convenir \u00e0 ceux ayant besoin de fonds imm\u00e9diats pour :<\/p>\n<ul>\n<li>Subvenir \u00e0 leurs besoins quotidiens<\/li>\n<li>Financer des soins de sant\u00e9 pr\u00e9sents ou \u00e0 venir<\/li>\n<li>Pour d\u00e9m\u00e9nager vers une seigneurie ou une maison de retraite<\/li>\n<li>Aider leurs enfants<\/li>\n<li>R\u00e9nover leur logement<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/><\/p>\n<p>\ud83d\udd0d<b> Fonctionnement du pr\u00eat<\/b><\/p>\n<ul>\n<li><b>Aucune mensualit\u00e9<\/b> ni remboursement ne seront requis tant que vous vivez dans votre logement (jusqu\u2019\u00e0 30 ans maximum).<\/li>\n<li>Le remboursement (capital + indexations + int\u00e9r\u00eats compos\u00e9s) s\u2019effectue g\u00e9n\u00e9ralement \u00e0 la <b>vente du bien<\/b>,<b> <\/b>par vous-m\u00eames ou, fr\u00e9quemment, <b>apr\u00e8s votre d\u00e9c\u00e8s<\/b>,<b> <\/b>par vos h\u00e9ritiers.<\/li>\n<li>Si vous quittez le logement (ex. : pour une maison de retraite), le remboursement du pr\u00eat peut parfois devenir exigible.<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/><\/p>\n<p>\ud83c\udfe1<b> Conditions du bien<\/b><\/p>\n<ul>\n<li>Celui-ci ne doit \u00eatre que <b>r\u00e9sidentiel<\/b>, d\u00fbment enregistr\u00e9 \u00e0 vos noms propres (propri\u00e9taires exclusifs), et libre de toute servitudes<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>Il peut cependant parfois remplacer un <b>pr\u00eat hypoth\u00e9caire classique existant<\/b>.<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/><\/p>\n<p>\ud83d\udcb8<b> Montant et conditions financi\u00e8res<\/b><\/p>\n<ul>\n<li>Montant : <b>30 % \u00e0 60 %<\/b> de la valeur estim\u00e9e du bien (par un expert tiers)<\/li>\n<li>D\u00e9pend de vos <b>\u00e2ges respectifs et de vos esp\u00e9rances de vie<\/b> (selon des bar\u00e8mes objectifs)<\/li>\n<li><b>Aucune v\u00e9rification de solvabilit\u00e9<\/b> : le bien est la seule garantie du pr\u00eat<\/li>\n<li>Pas besoin d\u2019assurance-vie ni de garants (sauf habituellement l\u2019aval des h\u00e9ritiers potentiels)<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/><\/p>\n<p>\ud83d\udcb3<b> Modalit\u00e9s de reception des fonds<\/b><\/p>\n<ul>\n<li>En <b>versement unique <\/b>(en \u201cbouquet\u201d), ou<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>En <b>mensualit\u00e9s fixes, ou index\u00e9es, ou croissantes<\/b>, selon vos besoins<\/li>\n<\/ul>\n<p>Le remboursement peut \u00eatre fait :<\/p>\n<ul>\n<li>En une fois, \u00e0 la fin de la vie du pr\u00eat<\/li>\n<li>Par paiements progressifs (par exemple, int\u00e9r\u00eats seuls)<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/><\/p>\n<p>\ud83d\udd01<b> Remboursement anticip\u00e9<\/b><\/p>\n<p>Le pr\u00eat peut g\u00e9n\u00e9ralement \u00eatre <b>rembours\u00e9 \u00e0 tout moment sans p\u00e9nalit\u00e9,<\/b> vous permettant, ou \u00e0 vos h\u00e9ritiers, de conserver le bien.<\/p>\n<p><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/><\/p>\n<p>\ud83d\udcc8<b> Taux d\u2019int\u00e9r\u00eat<\/b><\/p>\n<ul>\n<li>Taux <b>plus \u00e9lev\u00e9s<\/b> que ceux d\u2019un pr\u00eat classique<\/li>\n<li>Attention au montant total tr\u00e8s important \u00e0 rembourser \u2013 capital + indexations + int\u00e9r\u00eats compos\u00e9s &#8211; si le pr\u00eat n\u2019est rembours\u00e9 int\u00e9gralement qu\u2019\u00e0 la fin de la vie du pr\u00eat<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/><\/p>\n<p>\ud83d\udcc2<b> Frais associ\u00e9s<\/b><\/p>\n<ul>\n<li><b>Frais de dossier<\/b><b><\/b><\/li>\n<li><b>\u00c9valuation du bien<\/b> par un professionnel<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/><\/p>\n<p>\u2696\ufe0f<b> Accompagnement conseill\u00e9<\/b><\/p>\n<p>Ce type de pr\u00eat \u00e9tant relativement complexe, bien plus qu\u2019un pr\u00eat classique, nous recommandons vivement de consulter un <b>professionnel sp\u00e9cialis\u00e9<\/b> :<\/p>\n<ul>\n<li>Avocat<\/li>\n<li>Agent hypoth\u00e9caire<\/li>\n<li>Expert-comptable<\/li>\n<\/ul>\n<p>\ud83d\udcac Pour nous c<b>ontacter &#8211;<\/b><br \/>\n<i>Me. Sally Zajfman <\/i>\ud83d\udce7 <a href=\"mailto:sally@isralegal.com\">sally@isralegal.com<\/a><\/p>\n<p>\u00a9 Zajfman-Kornitzer Law<span class=\"Apple-converted-space\">\u00a0 <\/span><a href=\"http:\/\/www.isralegal.com\">www.isralegal.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le pr\u00eat hypoth\u00e9caire invers\u00e9, ou \u00ab pr\u00eat de retraite \u00bb, permet aux propri\u00e9taires \u00ab\u00a0seniors\u00a0\u00bb d\u2019acc\u00e9der \u00e0 des liquidit\u00e9s, sans vendre leur logement.\u00a0 C\u2019est une solution flexible propos\u00e9e, en Isra\u00ebl, par des compagnies d\u2019assurance et par certaines banques en Isra\u00ebl. \ud83d\udc65 \u00c0 qui s\u2019adresse ce pr\u00eat ? Ce pr\u00eat est destin\u00e9 aux seniors, personnes \u00e2g\u00e9es de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[41],"tags":[],"class_list":["post-1181","post","type-post","status-publish","format-standard","hentry","category-publications-juridiques"],"_links":{"self":[{"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/posts\/1181","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/comments?post=1181"}],"version-history":[{"count":4,"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/posts\/1181\/revisions"}],"predecessor-version":[{"id":2066,"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/posts\/1181\/revisions\/2066"}],"wp:attachment":[{"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/media?parent=1181"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/categories?post=1181"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/isralegal.com\/index.php\/wp-json\/wp\/v2\/tags?post=1181"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}