{"id":20365,"date":"2025-10-04T13:00:23","date_gmt":"2025-10-04T11:00:23","guid":{"rendered":"https:\/\/blog.tmgrupoinmobiliario.com\/fr\/?p=20365"},"modified":"2026-01-19T11:12:13","modified_gmt":"2026-01-19T10:12:13","slug":"financer-achat-immobilier-espagne","status":"publish","type":"post","link":"https:\/\/blog.tmgrupoinmobiliario.com\/fr\/2025\/10\/04\/financer-achat-immobilier-espagne\/","title":{"rendered":"Comment financer son achat immobilier en Espagne en tant qu&#8217;\u00e9tranger"},"content":{"rendered":"<p><strong>Acheter un bien immobilier en Espagne est un projet de vie s\u00e9duisant. Climat ensoleill\u00e9, qualit\u00e9 de vie, proximit\u00e9 avec la mer\u2026 les raisons de franchir le pas ne manquent pas. Mais une question revient souvent parmi les futurs acheteurs \u00e9trangers : comment financer son achat immobilier en Espagne ? Entre d\u00e9marches bancaires, fiscalit\u00e9 et apports personnels, voici tout ce que vous devez savoir pour concr\u00e9tiser votre projet dans les meilleures conditions.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000\">Un achat immobilier accessible aux non-r\u00e9sidents<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400\">Premi\u00e8re bonne nouvelle : il n\u2019est pas n\u00e9cessaire d\u2019\u00eatre r\u00e9sident espagnol pour acheter un bien immobilier dans le pays. De nombreux \u00e9trangers \u2014 notamment des Belges, des Fran\u00e7ais, des N\u00e9erlandais ou encore des Britanniques \u2014 investissent chaque ann\u00e9e sur la c\u00f4te m\u00e9diterran\u00e9enne. En tant que non-r\u00e9sident, vous pouvez tout \u00e0 fait acqu\u00e9rir un appartement, une maison ou un bien en r\u00e9sidence, que ce soit pour un usage personnel ou locatif.<\/span><\/p>\n<p><span style=\"font-weight: 400\">L\u2019\u00e9l\u00e9ment indispensable \u00e0 toute transaction est l\u2019obtention du NIE (N\u00famero de Identificaci\u00f3n de Extranjero), un num\u00e9ro d\u2019identification pour les \u00e9trangers. Ce num\u00e9ro unique vous sera demand\u00e9 par les banques, le notaire, ou encore les administrations fiscales espagnoles.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000\">Financer son achat avec un pr\u00eat hypoth\u00e9caire espagnol<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400\">De nombreux acheteurs font le choix de financer leur bien \u00e0 l\u2019aide d\u2019un pr\u00eat immobilier contract\u00e9 en Espagne. Cela pr\u00e9sente plusieurs avantages, notamment la possibilit\u00e9 de b\u00e9n\u00e9ficier de taux souvent attractifs et d\u2019adapter le financement au contexte local.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Les banques espagnoles sont g\u00e9n\u00e9ralement ouvertes \u00e0 l\u2019id\u00e9e d\u2019accorder un pr\u00eat hypoth\u00e9caire \u00e0 des non-r\u00e9sidents. Toutefois, elles exigent certaines garanties, notamment un apport personnel de 30 \u00e0 40 % du prix du bien, ainsi que la capacit\u00e9 de d\u00e9montrer des revenus stables.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Les crit\u00e8res d\u2019octroi peuvent varier d\u2019une banque \u00e0 l\u2019autre, mais les documents suivants sont souvent demand\u00e9s :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Pi\u00e8ce d\u2019identit\u00e9 valide<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">NIE<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Preuve de revenus (fiches de paie, d\u00e9claration d\u2019imp\u00f4ts, etc.)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Relev\u00e9s de compte<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Contrat de r\u00e9servation du bien immobilier<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Il est conseill\u00e9 de se faire accompagner par un courtier ou un conseiller sp\u00e9cialis\u00e9, capable de faciliter les \u00e9changes avec les \u00e9tablissements bancaires et d\u2019optimiser les conditions du pr\u00eat.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000\">Faire appel \u00e0 un financement dans son pays d\u2019origine<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400\">Une autre option consiste \u00e0 solliciter un pr\u00eat hypoth\u00e9caire dans votre pays de r\u00e9sidence. Cette solution peut \u00eatre pertinente si vous avez d\u00e9j\u00e0 un bien immobilier que vous pouvez mettre en garantie ou si vous disposez d\u2019une relation de confiance avec votre banque locale.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Cependant, ce type de financement implique souvent des d\u00e9marches plus longues et des taux d\u2019int\u00e9r\u00eat diff\u00e9rents, sans oublier la question du change si vous devez convertir des euros ou d\u2019autres devises pour l\u2019achat. Il est donc essentiel de bien comparer les co\u00fbts globaux de chaque option.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000\">L\u2019achat comptant : simplicit\u00e9 et rapidit\u00e9<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400\">Certains acqu\u00e9reurs optent pour un achat comptant, particuli\u00e8rement lorsqu\u2019ils disposent d\u2019un capital personnel ou d\u2019un produit d\u2019\u00e9pargne cons\u00e9quent. Cette solution, bien que moins fr\u00e9quente, permet de simplifier les d\u00e9marches administratives et d\u2019acc\u00e9l\u00e9rer la transaction.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Un achat comptant signifie \u00e9galement que vous n\u2019aurez pas \u00e0 supporter de mensualit\u00e9s de cr\u00e9dit, ce qui peut s\u2019av\u00e9rer rassurant sur le long terme, notamment pour les projets de r\u00e9sidence secondaire ou de retraite.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000\">Ne pas oublier les frais annexes<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400\">Quel que soit votre mode de financement, il est crucial de bien anticiper les frais li\u00e9s \u00e0 l\u2019achat immobilier en Espagne. En moyenne, ces frais repr\u00e9sentent entre 10 et 14 % du prix du bien et comprennent :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Les frais de notaire<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Les droits de mutation ou la TVA (selon qu\u2019il s\u2019agit d\u2019un bien neuf ou ancien)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Les frais d\u2019enregistrement<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Les frais bancaires (si pr\u00eat local)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Les honoraires d\u2019un avocat ou conseiller ind\u00e9pendant, le cas \u00e9ch\u00e9ant<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Chez TM Grupo, nous vous accompagnons dans la transparence la plus totale afin que vous disposiez d\u2019une vision claire de l\u2019ensemble des frais li\u00e9s \u00e0 votre acquisition.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000\">L\u2019importance de bien planifier son projet<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400\">Au-del\u00e0 du financement en tant que tel, un achat immobilier en Espagne demande une bonne dose de pr\u00e9paration. Il est vivement recommand\u00e9 de :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">D\u00e9finir un budget global r\u00e9aliste, incluant les frais d\u2019acquisition<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Comparer les offres de financement disponibles<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Simuler plusieurs sc\u00e9narios de pr\u00eat<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Anticiper les impacts fiscaux dans votre pays d\u2019origine et en Espagne<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">S\u2019entourer de professionnels de confiance pour s\u00e9curiser chaque \u00e9tape du processus<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Avec une planification rigoureuse et un bon accompagnement, financer un achat en Espagne peut devenir un parcours fluide et ma\u00eetris\u00e9.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000\">TM Grupo : votre partenaire de confiance<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400\">Sp\u00e9cialiste de l\u2019immobilier sur la c\u00f4te m\u00e9diterran\u00e9enne depuis plus de 50 ans, TM Grupo propose des biens neufs pens\u00e9s pour le confort, la durabilit\u00e9 et la qualit\u00e9 de vie. Mais au-del\u00e0 de la construction, nous offrons \u00e9galement un accompagnement personnalis\u00e9 \u00e0 chaque client, d\u00e8s les premi\u00e8res \u00e9tapes du projet et jusqu\u2019\u00e0 la remise des cl\u00e9s.<\/span><\/p>\n<p><strong>Notre \u00e9quipe multilingue vous aide \u00e0 comprendre les d\u00e9marches, \u00e0 pr\u00e9parer votre dossier de financement, et \u00e0 choisir les solutions les plus adapt\u00e9es \u00e0 votre situation.Pr\u00eat \u00e0 concr\u00e9tiser votre r\u00eave immobilier en Espagne ? <a href=\"https:\/\/www.tmgrupoinmobiliario.com\/fr#\">Contactez-nous d\u00e8s aujourd\u2019hui<\/a> pour discuter de votre projet et d\u00e9couvrir nos r\u00e9sidences en bord de mer.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acheter un bien immobilier en Espagne est un projet de vie s\u00e9duisant. Climat ensoleill\u00e9, qualit\u00e9 de vie, proximit\u00e9 avec la mer\u2026 les raisons de franchir le pas ne manquent pas. Mais une question revient souvent parmi les futurs acheteurs \u00e9trangers : comment financer son achat immobilier en Espagne ? Entre d\u00e9marches bancaires, fiscalit\u00e9 et apports [&hellip;]<\/p>\n","protected":false},"author":11710,"featured_media":20373,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[182,334],"class_list":["post-20365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad-tm","tag-achat-immobilier-espagne","tag-financer","formato-blog"],"better_featured_image":{"id":20373,"alt_text":"","caption":"","description":"","media_type":"image","media_details":{"width":726,"height":481,"file":"2025\/10\/Diseno-sin-titulo-4.png","filesize":133767,"sizes":{},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]}},"post":20365,"source_url":"https:\/\/blog.tmgrupoinmobiliario.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/10\/Diseno-sin-titulo-4.png"},"acf":{"imagen_destacada_desktop":"https:\/\/blog.tmgrupoinmobiliario.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/10\/Imagen-destacada-para-slider-Escritorio-Tamano-1920x870px-5.png","imagen_destacada_mobile":"https:\/\/blog.tmgrupoinmobiliario.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/10\/Imagen-destacada-para-slider-Mobile-Tamano-540x540px-5.png","formato":{"term_id":37,"name":"Blog","slug":"blog","term_group":0,"term_taxonomy_id":37,"taxonomy":"formato","description":"","parent":0,"count":109,"filter":"raw"},"entradilla":"","etiquetas":"","cabecera_escritorio":"https:\/\/blog.tmgrupoinmobiliario.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/10\/Imagen-de-cabecera-escritorio-1200x300-5.png","cabecera_mobile":"https:\/\/blog.tmgrupoinmobiliario.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/10\/Imagen-de-cabecera-mobile-768x768px-jpg-5.png","galeria":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.6 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comment financer son achat immobilier en Espagne en tant qu&#039;\u00e9tranger - Francais<\/title>\n<meta name=\"description\" content=\"Comment financer son achat immobilier en Espagne ? 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