{"id":29358,"date":"2025-08-20T07:30:52","date_gmt":"2025-08-20T07:30:52","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29358"},"modified":"2025-09-04T18:37:49","modified_gmt":"2025-09-04T18:37:49","slug":"credit-maison-en-italie","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/fr\/credit-maison-en-italie\/","title":{"rendered":"Cr\u00e9dit maison en Italie"},"content":{"rendered":"\n<p>Cr\u00e9dit priv\u00e9 pour employ\u00e9\u00b7e\u00b7s de maison : devenez propri\u00e9taire en Italie ou r\u00e9novez sans limites<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<pre class=\"wp-block-verse\">Vous \u00eates <strong>chef(fe) gouvernant\u00b7e<\/strong>, <strong>majordome<\/strong> ou <strong>intendant\u00b7e<\/strong> d\u2019un domaine priv\u00e9 ? Vos \u00e9moluments \u00e9lev\u00e9s vous ouvrent les portes du <strong>cr\u00e9dit priv\u00e9 haut de gamme MultiCredit<\/strong> pour acqu\u00e9rir une villa d\u2019exception en <strong>Italie<\/strong>, des <strong>Lacs du Nord<\/strong> \u00e0 la <strong>Costa Smeralda<\/strong>, de la <strong>Toscane<\/strong> \u00e0 la <strong>C\u00f4te Amalfitaine<\/strong> ou m\u00e9tamorphoser votre r\u00e9sidence actuelle en v\u00e9ritable <strong>\u00e9crin de prestige<\/strong>, avec des <strong>conditions exclusives<\/strong> et une ex\u00e9cution rapide.<\/pre>\n<\/div>\n<\/div>\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><strong>Atout<\/strong><\/th><th><strong>Ce que cela change pour vous<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Plafond \u00e9tendu<\/strong><\/td><td>Empruntez <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 <strong>optimise la marge CHF\u2194EUR<\/strong> pour vous.<\/td><\/tr><tr><td><strong>Aucun nantissement<\/strong><\/td><td><strong>Pas de gage<\/strong> sur votre portefeuille : vos actions &amp; obligations <strong>restent investies<\/strong>.<\/td><\/tr><tr><td><strong>D\u00e9caissement \u00e9clair<\/strong><\/td><td><strong>Fonds vers\u00e9s en 24 h<\/strong> apr\u00e8s <strong>signature \u00e9lectronique<\/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=\"2_Acheter_une_propriete_dexception_en_Italie\"><\/span>2) Acheter une propri\u00e9t\u00e9 d\u2019exception en Italie<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_%C2%AB_prime_%C2%BB_a_privilegier\"><\/span>a) Zones \u00ab prime \u00bb \u00e0 privil\u00e9gier<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lacs du Nord<\/strong> : <strong>C\u00f4me<\/strong>, <strong>Garde<\/strong>, <strong>Majeur<\/strong> (eau, montagnes, acc\u00e8s Zurich\/Gen\u00e8ve).<\/li>\n\n\n\n<li><strong>Toscane<\/strong> : <strong>Chianti<\/strong>, <strong>Val d\u2019Orcia<\/strong>, collines de <strong>Florence<\/strong> et <strong>Sienne<\/strong> (casali, domaines).<\/li>\n\n\n\n<li><strong>C\u00f4te ligure<\/strong> : <strong>Portofino<\/strong>, <strong>Santa Margherita<\/strong>, <strong>Cinque Terre<\/strong> (vues mer iconiques).<\/li>\n\n\n\n<li><strong>Rome &amp; Lazio<\/strong> : quartiers <strong>Parioli<\/strong>, <strong>Olgiata<\/strong>, <strong>Castelli Romani<\/strong> (villas avec parc).<\/li>\n\n\n\n<li><strong>C\u00f4te Amalfitaine<\/strong> : <strong>Positano<\/strong>, <strong>Sorrente<\/strong>, <strong>Capri<\/strong> (prestige &amp; raret\u00e9).<\/li>\n\n\n\n<li><strong>Pouilles<\/strong> : <strong>Ostuni<\/strong>, <strong>Valle d\u2019Itria<\/strong> (trulli &amp; masserie modernis\u00e9es).<\/li>\n\n\n\n<li><strong>Sardaigne<\/strong> : <strong>Costa Smeralda<\/strong> (<strong>Porto Cervo<\/strong>), <strong>Villasimius<\/strong> (plages turquoise).<\/li>\n\n\n\n<li><strong>Sicile<\/strong> : <strong>Taormina<\/strong>, <strong>Noto<\/strong>, <strong>Ortigia<\/strong> (baroque, panoramas mer\/Etna).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"b_Budgetez_les_frais_dacquisition_ordre_de_grandeur\"><\/span>b) Budgetez les frais d\u2019acquisition (ordre de grandeur)<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><strong>Poste<\/strong><\/th><th><strong>Indication<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Imposta di registro \/ IVA<\/strong><\/td><td>Environ <strong>2 % (prima casa)<\/strong> \u00e0 <strong>9 % (seconde r\u00e9sidence)<\/strong> selon neuf\/ancien et base cadastrale.<\/td><\/tr><tr><td><strong>Imposte ipotecaria &amp; catastale<\/strong><\/td><td><strong>Forfaitaires ou proportionnelles<\/strong> selon le type d\u2019op\u00e9ration.<\/td><\/tr><tr><td><strong>Notaire &amp; formalit\u00e9s<\/strong><\/td><td>Environ <strong>1\u20132 %<\/strong>.<\/td><\/tr><tr><td><strong>Agence immobili\u00e8re<\/strong><\/td><td>Souvent <strong>2\u20134 %<\/strong> du prix.<\/td><\/tr><tr><td><strong>Total indicatif<\/strong><\/td><td>Environ <strong>7\u201312 %<\/strong> selon le dossier et la commune.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Les bar\u00e8mes varient selon <strong>neuf\/ancien<\/strong>, <strong>r\u00e9sidence principale\/secondaire<\/strong> et la <strong>commune<\/strong>. Nous int\u00e9grons une <strong>marge de s\u00e9curit\u00e9<\/strong> et, si besoin, coordonnons avec un <strong>notaio\/fiscaliste<\/strong> local.<\/p>\n<\/blockquote>\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> : <strong>protection naturelle<\/strong> contre la volatilit\u00e9 <strong>EUR\/CHF<\/strong>.<\/li>\n\n\n\n<li><strong>Option de swap<\/strong> ou <strong>passage en EUR<\/strong> si vous souhaitez aligner l\u2019emprunt sur la devise du bien.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"d_Optimisation_cote_Suisse\"><\/span>d) Optimisation c\u00f4t\u00e9 Suisse<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Int\u00e9r\u00eats d\u00e9ductibles<\/strong> (selon canton).<\/li>\n\n\n\n<li><strong>Aucune contrainte d\u2019hypoth\u00e8que locale<\/strong> : vous gardez la main sur votre montage.<\/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_agrandissements_de_standing\"><\/span>3) R\u00e9novations premium &amp; agrandissements de standing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Le vrai luxe ? <strong>Personnaliser sans compter<\/strong> \u2014 avec un budget financ\u00e9, planifi\u00e9 et d\u00e9bloqu\u00e9 <strong>vite<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Efficience \u00e9nerg\u00e9tique<\/strong> : isolation \u00ab cappotto \u00bb, <strong>pompe \u00e0 chaleur<\/strong>, <strong>solaire<\/strong>, triple vitrage.<\/li>\n\n\n\n<li><strong>Wellness &amp; loisirs<\/strong> : <strong>piscine \u00e0 d\u00e9bordement<\/strong> salinis\u00e9e, spa\/hammam, <strong>home-cin\u00e9ma<\/strong>, <strong>golf-simulator TrackMan\u00ae<\/strong>.<\/li>\n\n\n\n<li><strong>Architecture signature<\/strong> : <strong>travertin<\/strong>, <strong>terrazzo v\u00e9nitien<\/strong>, <strong>pierre de Lecce<\/strong>, loggias &amp; patios.<\/li>\n\n\n\n<li><strong>Domotique<\/strong> : KNX\/HomeKit pour l\u2019\u00e9clairage, la s\u00e9curit\u00e9, la gestion \u00e9nerg\u00e9tique.<\/li>\n\n\n\n<li><strong>Espaces passion<\/strong> : <strong>garage climatis\u00e9<\/strong> (collection), <strong>atelier d\u2019art<\/strong>, <strong>cantina<\/strong> \u00e0 hygrom\u00e9trie contr\u00f4l\u00e9e, <strong>orangerie<\/strong>.<\/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_Avantages_exclusifs_MultiCredit\"><\/span>4) 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><strong>Avantage<\/strong><\/th><th><strong>B\u00e9n\u00e9fice concret<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Analyse patrimoniale 360\u00b0<\/strong><\/td><td>Int\u00e8gre salaires, <strong>bonus<\/strong>, primes, revenus (trusts\/SICAV), stock-options.<\/td><\/tr><tr><td><strong>Acc\u00e8s Priority Banking<\/strong><\/td><td>RDV priv\u00e9 (ou visio) avec un\u00b7e <strong>conseiller\u00b7\u00e8re senior<\/strong> 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> avec <strong>prime r\u00e9duite<\/strong> pour hauts revenus.<\/td><\/tr><tr><td><strong>Remboursement anticip\u00e9 gratuit<\/strong><\/td><td><strong>Soldez \u00e0 tout moment<\/strong> (prime, bonus, arbitrage patrimonial).<\/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 &gt; 10 000 CHF<\/strong>.<\/li>\n\n\n\n<li><strong>CDI<\/strong> ou <strong>contrat long<\/strong> 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><strong>Taux d\u2019endettement post-cr\u00e9dit \u2264 33 %<\/strong> pour pr\u00e9server l\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><strong>\u00c9tape<\/strong><\/th><th><strong>D\u00e9lai<\/strong><\/th><th><strong>Ce que vous faites<\/strong><\/th><th><strong>Ce que nous faisons<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>1. Simulation VIP<\/strong><\/td><td><strong>30 s<\/strong><\/td><td>Indiquez revenu &amp; montant d\u00e9sir\u00e9.<\/td><td>Nous calculons un <strong>taux indicatif<\/strong>.<\/td><\/tr><tr><td><strong>2. Upload s\u00e9curis\u00e9<\/strong><\/td><td><strong>&lt; 15 min<\/strong><\/td><td>D\u00e9posez fiches de salaire, bonus, relev\u00e9 titres.<\/td><td><strong>Analyse express<\/strong> conforme LBA.<\/td><\/tr><tr><td><strong>3. Signature \u00e9lectronique<\/strong><\/td><td><strong>5 min<\/strong><\/td><td>Validez le contrat sur mobile.<\/td><td><strong>Virement le lendemain<\/strong> (ouvr\u00e9).<\/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<ul class=\"wp-block-list\">\n<li><strong>Mon\u00e9tisez vos variables<\/strong> : bonus, heures sup\u2019, perks logement, avantages en nature.<\/li>\n\n\n\n<li><strong>Prouvez votre stabilit\u00e9<\/strong> : lettre de recommandation de l\u2019employeur (famille r\u00e9sidente).<\/li>\n\n\n\n<li><strong>Apport strat\u00e9gique<\/strong> : <strong>20 %<\/strong> d\u2019avance peut <strong>r\u00e9duire la marge<\/strong> de ~0,5 pt.<\/li>\n\n\n\n<li><strong>Gardez vos placements<\/strong> : le <strong>cr\u00e9dit priv\u00e9<\/strong> \u00e9vite de <strong>vendre<\/strong> vos positions performantes.<\/li>\n\n\n\n<li><strong>Anticipez la fiscalit\u00e9 italienne<\/strong> : r\u00e9sidence secondaire, taxes locales (<strong>IMU<\/strong>, TARI) ou r\u00e9gimes d\u2019attraction pour nouveaux r\u00e9sidents  <strong>faites valider<\/strong> par votre fiscaliste.<\/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=\"Pret_a_franchir_le_pas\"><\/span>Pr\u00eat \u00e0 franchir le pas ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Qu\u2019il s\u2019agisse d\u2019une <strong>villa contemporaine \u00e0 Porto Cervo<\/strong>, d\u2019un <strong>casale toscan<\/strong> aux volets patin\u00e9s ou d\u2019un <strong>palazzo<\/strong> avec terrasse sur la <strong>C\u00f4te Amalfitaine<\/strong>, <strong>MultiCredit<\/strong> transforme votre <strong>pouvoir d\u2019achat<\/strong> en <strong>libert\u00e9 immobili\u00e8re<\/strong>  <strong>sans compromettre<\/strong> vos investissements avec un <a href=\"https:\/\/multicredit.ch\/fr\/\">cr\u00e9dit <\/a>adapt\u00e9 !<\/p>\n\n\n\n<p><strong>Demandez votre simulation VIP maintenant.<\/strong><\/p>\n\n\n\n<p>\u2014<\/p>\n\n\n\n<p><em>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 <strong>MultiCredit<\/strong>.<\/em><\/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 en Italie ou r\u00e9novez sans limites Vous \u00eates chef(fe) gouvernant\u00b7e, majordome ou intendant\u00b7e d\u2019un domaine priv\u00e9 ? Vos \u00e9moluments \u00e9lev\u00e9s vous ouvrent les portes du cr\u00e9dit priv\u00e9 haut de gamme MultiCredit pour acqu\u00e9rir une villa d\u2019exception en Italie, des Lacs du Nord \u00e0 la Costa Smeralda, [&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-29358","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\/29358","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=29358"}],"version-history":[{"count":7,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29358\/revisions"}],"predecessor-version":[{"id":29437,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29358\/revisions\/29437"}],"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=29358"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/categories?post=29358"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/tags?post=29358"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}