{"id":29324,"date":"2025-08-07T20:59:17","date_gmt":"2025-08-07T20:59:17","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29324"},"modified":"2026-02-17T14:02:33","modified_gmt":"2026-02-17T14:02:33","slug":"credit-maison-au-portugal","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/fr\/credit-maison-au-portugal\/","title":{"rendered":"Cr\u00e9dit maison au Portugal"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_prive_pour_employe%C2%B7e%C2%B7s_de_maison_devenez_proprietaire_au_Portugal_ou_renovez_sans_limites\"><\/span>Cr\u00e9dit priv\u00e9 pour employ\u00e9\u00b7e\u00b7s de maison : devenez propri\u00e9taire au <strong>Portugal<\/strong> ou r\u00e9novez sans limites<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Vous \u00eates chef(fe) gouvernant\u00b7e, majordome ou intendant\u00b7e d\u2019un domaine priv\u00e9 ? Vos \u00e9moluments confortables vous ouvrent les portes du cr\u00e9dit priv\u00e9 haut de gamme <strong>MultiCredit<\/strong> pour acqu\u00e9rir une villa de r\u00eave au Portugal \u2013 de l\u2019Algarve \u00e0 Comporta \u2013 ou transformer votre r\u00e9sidence existante en \u00e9crin de prestige, le tout sous des conditions exclusives.<\/p>\n\n\n\n<iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/5kxs9eCLY8M?si=tSV8LbGpLFUO2QWa\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Pourquoi_opter_pour_un_credit_prive_premium\"><\/span>1. Pourquoi opter pour un cr\u00e9dit priv\u00e9 premium ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Atout<\/th><th>Ce que cela change pour vous<\/th><\/tr><\/thead><tbody><tr><td><strong>Plafond \u00e9tendu<\/strong><\/td><td>Empruntez de <strong>50 000 CHF \u00e0 400 000 CHF<\/strong> selon votre capacit\u00e9.<\/td><\/tr><tr><td><strong>Taux n\u00e9goci\u00e9s sur mesure<\/strong><\/td><td>Notre desk institutionnel obtient pour vous la meilleure marge CHF-EUR.<\/td><\/tr><tr><td><strong>Aucun nantissement<\/strong><\/td><td>Votre portefeuille actions &amp; obligations reste investi.<\/td><\/tr><tr><td><strong>D\u00e9caissement \u00e9clair<\/strong><\/td><td>Fonds vers\u00e9s <strong>en 24 h<\/strong> apr\u00e8s signature \u00e9lectronique.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Acheter_une_propriete_dexception_au_Portugal\"><\/span>2. Acheter une propri\u00e9t\u00e9 d\u2019exception au Portugal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"a_Zones_prime_a_privilegier\"><\/span>a. Zones prime \u00e0 privil\u00e9gier<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Algarve Ouest<\/strong> : Lagos, Praia da Luz, terrains golf front-line.<\/li>\n\n\n\n<li><strong>Triangle d\u2019or<\/strong> : Quinta do Lago, Vale do Lobo, Vilamoura Marina.<\/li>\n\n\n\n<li><strong>Riviera lisbo\u00e8te<\/strong> : Cascais, Estoril, Costa da Caparica.<\/li>\n\n\n\n<li><strong>Comporta &amp; Melides<\/strong> : la \u00ab Hamptons \u00bb portugaise, plages sauvages.<\/li>\n\n\n\n<li><strong>Mad\u00e8re &amp; A\u00e7ores<\/strong> : micro-climats, vols directs de Zurich &amp; Gen\u00e8ve.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"b_Budgetez_10_de_frais_dacquisition\"><\/span>b. Budgetez ~10 % de frais d\u2019acquisition<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Poste<\/th><th>Pourcentage indicatif<\/th><\/tr><\/thead><tbody><tr><td><strong>IMT (droit de mutation)<\/strong><\/td><td>6\u20137,5 % (bar\u00e8me progressif)<\/td><\/tr><tr><td><strong>Droit de timbre (IS)<\/strong><\/td><td>0,8 %<\/td><\/tr><tr><td><strong>Notaire + enregistrement<\/strong><\/td><td>0,5\u20131 %<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td><strong>\u2248 8\u201310 %<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"c_Couverture_de_change_integree\"><\/span>c. Couverture de change int\u00e9gr\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vous empruntez en <strong>CHF<\/strong> : protection naturelle contre la volatilit\u00e9 EUR\/CHF.<\/li>\n\n\n\n<li>Option de <strong>swap fixe<\/strong> si vous souhaitez passer en EUR plus tard.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"d_Optimisation_fiscale_suisse\"><\/span>d. Optimisation fiscale suisse<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les int\u00e9r\u00eats sont <strong>d\u00e9ductibles dans votre canton<\/strong> ; aucune contrainte d\u2019hypoth\u00e8que locale.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Renovations_premium_et_agrandissements_de_standing\"><\/span>3. R\u00e9novations premium et agrandissements de standing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>Le vrai luxe ? Personnaliser sans compter.<\/em><\/p>\n<\/blockquote>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Efficience \u00e9nerg\u00e9tique<\/strong> : panneaux solaires, pompe \u00e0 chaleur, g\u00e9othermie c\u00f4ti\u00e8re.<\/li>\n\n\n\n<li><strong>Wellness &amp; loisirs<\/strong> : piscine \u00e0 d\u00e9bordement salinis\u00e9e, spa hamac, golf-simulator TrackMan\u00ae.<\/li>\n\n\n\n<li><strong>Architecture signature<\/strong> : patio ib\u00e9rique, fa\u00e7ades rideau en verre, toiture v\u00e9g\u00e9talis\u00e9e.<\/li>\n\n\n\n<li><strong>Espaces passion<\/strong> : garage climatis\u00e9 pour collection de supercars, atelier d\u2019art, cave \u00e0 vins \u00e0 hygrom\u00e9trie contr\u00f4l\u00e9e.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Les_avantages_exclusifs_MultiCredit\"><\/span>4. Les avantages exclusifs MultiCredit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Avantage<\/th><th>B\u00e9n\u00e9fice concret<\/th><\/tr><\/thead><tbody><tr><td><strong>Analyse patrimoniale 360\u00b0<\/strong><\/td><td>Comptabilise vos bonus, primes d\u2019anciennet\u00e9, revenus issus de trusts ou SICAV.<\/td><\/tr><tr><td><strong>Acc\u00e8s Priority Banking<\/strong><\/td><td>RDV priv\u00e9 (ou visioconf\u00e9rence) avec un\u00b7e conseiller\u00b7\u00e8re senior d\u00e9di\u00e9\u00b7e.<\/td><\/tr><tr><td><strong>Assurance capital-d\u00e9c\u00e8s Premium<\/strong><\/td><td>Couverture jusqu\u2019\u00e0 <strong>1 000 000 CHF<\/strong>, prime r\u00e9duite pour profils \u00e0 hauts revenus.<\/td><\/tr><tr><td><strong>Remboursement anticip\u00e9 gratuit<\/strong><\/td><td>Liquidez tout ou partie d\u00e8s qu\u2019un bonus exceptionnel tombe.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Conditions_deligibilite\"><\/span>5. Conditions d\u2019\u00e9ligibilit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revenu net mensuel<\/strong> > <strong>10 000 CHF<\/strong>.<\/li>\n\n\n\n<li><strong>CDI<\/strong> ou contrat longue dur\u00e9e au sein d\u2019une famille \/ r\u00e9sidence.<\/li>\n\n\n\n<li><strong>Dossier ZEK<\/strong> sans incident majeur.<\/li>\n\n\n\n<li>Ratio <strong>endettement post-cr\u00e9dit \u2264 33 %<\/strong> pour pr\u00e9server votre capacit\u00e9 d\u2019\u00e9pargne.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Processus_simple_en_3_etapes\"><\/span>6. Processus simple en 3 \u00e9tapes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u00c9tape<\/th><th>D\u00e9lai<\/th><th>Ce que vous faites<\/th><th>Ce que nous faisons<\/th><\/tr><\/thead><tbody><tr><td>1. <strong>Simulation VIP<\/strong><\/td><td>30 s<\/td><td>Renseignez revenu &amp; montant d\u00e9sir\u00e9.<\/td><td>Calcule un taux indicatif.<\/td><\/tr><tr><td>2. <strong>Upload s\u00e9curis\u00e9<\/strong><\/td><td>&lt; 15 min<\/td><td>D\u00e9posez fiches de salaire, bonus, relev\u00e9 titres.<\/td><td>Analyse express en conformit\u00e9 LBA.<\/td><\/tr><tr><td>3. <strong>Signature \u00e9lectronique<\/strong><\/td><td>5 min<\/td><td>Validez le contrat depuis votre mobile.<\/td><td>Vire les fonds <strong>le lendemain<\/strong>.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Conseils_pour_maximiser_vos_atouts\"><\/span>7. Conseils pour maximiser vos atouts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Mon\u00e9tisez vos revenus variables<\/strong> : bonus, heures suppl\u00e9mentaires, perks logement.<\/li>\n\n\n\n<li><strong>Mettez en avant votre stabilit\u00e9<\/strong> : obtenez une lettre de recommandation de l\u2019employeur (famille r\u00e9sidente).<\/li>\n\n\n\n<li><strong>Pr\u00e9parez un apport strat\u00e9gique<\/strong> : 20 % d\u2019avance peut r\u00e9duire la marge de 0,5 pt.<\/li>\n\n\n\n<li><strong>Conservez vos investissements performants<\/strong> : le cr\u00e9dit priv\u00e9 compense l\u2019arbitrage fiscal sans vendre vos actions Swiss-SMI.<\/li>\n\n\n\n<li><strong>Anticipez la fiscalit\u00e9 portugaise<\/strong> : explorez le r\u00e9gime NHR (Non-Habitual Resident) pour des s\u00e9jours prolong\u00e9s.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pret_a_franchir_le_pas\"><\/span>Pr\u00eat \u00e0 franchir le pas ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Une villa contemporaine \u00e0 Quinta do Lago ou un manoir surf-chic \u00e0 Comporta n\u2019attendent plus que vous. <strong>MultiCredit<\/strong> transforme votre pouvoir d\u2019achat en <strong>libert\u00e9 immobili\u00e8re<\/strong> \u2013 sans compromis sur vos placements. Demandez votre simulation VIP d\u00e8s maintenant !<\/p>\n\n\n\n<p>Un article propos\u00e9 par <a href=\"https:\/\/ch.linkedin.com\/in\/m%C3%BCn%C3%BCr-aslan-credit-leasing-factoring\/en\" target=\"_blank\" rel=\"noopener\">Munur Aslan<\/a> directeur de la soci\u00e9t\u00e9 MultiCredit<\/p>\n\n\n\n<iframe\u00a0 src=\"https:\/\/maps.google.com\/maps?q=Multicredit&#038;z=15&#038;output=embed\"\n\u00a0 width=\"600\"\n\u00a0 height=\"450\"\n\u00a0 style=\"border:0;\"\n\u00a0 loading=\"lazy\"\n\u00a0 allowfullscreen>\n<\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Cr\u00e9dit priv\u00e9 pour employ\u00e9\u00b7e\u00b7s de maison : devenez propri\u00e9taire au Portugal ou r\u00e9novez sans limites Vous \u00eates chef(fe) gouvernant\u00b7e, majordome ou intendant\u00b7e d\u2019un domaine priv\u00e9 ? Vos \u00e9moluments confortables vous ouvrent les portes du cr\u00e9dit priv\u00e9 haut de gamme MultiCredit pour acqu\u00e9rir une villa de r\u00eave au Portugal \u2013 de l\u2019Algarve \u00e0 Comporta \u2013 ou [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":28925,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[787,8],"tags":[],"class_list":["post-29324","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-credit-immobilier"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29324","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/comments?post=29324"}],"version-history":[{"count":4,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29324\/revisions"}],"predecessor-version":[{"id":29331,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29324\/revisions\/29331"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/media\/28925"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/media?parent=29324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/categories?post=29324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/tags?post=29324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}