{"id":3204,"date":"2020-12-18T18:04:20","date_gmt":"2020-12-18T17:04:20","guid":{"rendered":"https:\/\/alplifestyle.com\/?page_id=3204"},"modified":"2021-07-28T15:52:56","modified_gmt":"2021-07-28T13:52:56","slug":"property-purchase-process","status":"publish","type":"page","link":"https:\/\/alplifestyle.com\/fr\/property-purchase-process\/","title":{"rendered":"Processus d'achat d'une propri\u00e9t\u00e9 (Guide)"},"content":{"rendered":"

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Achat de propri\u00e9t\u00e9 Processus<\/strong><\/h1>\n

[\/et_pb_text][et_pb_divider divider_weight=\"2px\" _builder_version=\"4.7.6\u2033 _module_preset=\"default\" custom_margin=\"-10px||||false|false\"][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.7.7\u2033 _module_preset=\"default\" width_tablet=\"\" width_phone=\"\" width_last_edited=\"on|phone\" max_width_tablet=\"\" max_width_phone=\"\" max_width_last_edited=\"on|phone\" custom_margin=\"-40px||||false|false\" custom_padding=\"||40px||false|false\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.7.6\u2033 _module_preset=\"default\"] [et_pb_text content_tablet=\"\" content_phone=\"<\/p>\n

L'achat d'une propri\u00e9t\u00e9 peut parfois \u00eatre un processus intimidant. Ce ph\u00e9nom\u00e8ne peut \u00eatre accentu\u00e9 si le bien est situ\u00e9 \u00e0 l'\u00e9tranger.<\/p>\n

Chez AlpLifestyle, nous veillons \u00e0 ce que tous nos clients soient assist\u00e9s \u00e0 chaque \u00e9tape de l'achat de leur propri\u00e9t\u00e9. Cela inclut toute l'assistance n\u00e9cessaire pour investir dans une propri\u00e9t\u00e9 avec l'intention de la louer.<\/p>\n

\" content_last_edited=\"on|phone\" _builder_version=\"4.7.7\u2033 _module_preset=\"default\" text_font=\"Montserrat||||||||\" text_font_size=\"15px\" text_orientation=\"center\" width_tablet=\"\" width_phone=\"\" width_last_edited=\"on|phone\" custom_padding=\"|100px||100px|false|false\" custom_padding_tablet=\"\" custom_padding_phone=\"|0px||0px|false|false\" custom_padding_last_edited=\"on|phone\"]<\/p>\n

L'achat d'une propri\u00e9t\u00e9 peut parfois \u00eatre un processus intimidant. Ceci peut \u00eatre accentu\u00e9 si la propri\u00e9t\u00e9 est situ\u00e9e \u00e0 l'\u00e9tranger. Chez AlpLifestyle, nous veillons \u00e0 ce que tous nos clients soient assist\u00e9s \u00e0 chaque \u00e9tape de l'achat de leur propri\u00e9t\u00e9. Cela inclut toute l'assistance n\u00e9cessaire pour investir dans une propri\u00e9t\u00e9 en vue d'en tirer un revenu locatif.<\/p>\n

[\/et_pb_text][et_pb_divider divider_weight=\"2px\" _builder_version=\"4.7.6\u2033 _module_preset=\"default\" width=\"90%\" module_alignment=\"center\" custom_margin=\"-10px||||false|false\"][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_2,1_2\u2033 _builder_version=\"4.7.6\u2033 _module_preset=\"default\" custom_margin=\"-40px||||false|false\"][et_pb_column type=\"1_2\u2033 _builder_version=\"4.7.6\u2033 _module_preset=\"default\"][et_pb_text _builder_version=\"4.9.2\u2033 _module_preset=\"default\" text_font=\"Montserrat||||||||\" text_font_size=\"15px\" header_font=\"|||on|||||\" header_2_font=\"Montserrat|300||on|||||\" header_2_font_size=\"28px\"]<\/p>\n

Propri\u00e9t\u00e9 suisse R\u00e9glementation<\/strong><\/h2>\n

 <\/p>\n

Les r\u00e8gles de la Lex Koller r\u00e9gissent l'achat de logements en Suisse par des investisseurs \u00e9trangers. Ces r\u00e8gles sont r\u00e9gies par le droit f\u00e9d\u00e9ral suisse.<\/p>\n

Les non-r\u00e9sidents de la Suisse sont tenus de satisfaire \u00e0 tous les crit\u00e8res requis par cette r\u00e9glementation et par les r\u00e8gles locales du canton (r\u00e9gion) dans lequel ils ach\u00e8tent une propri\u00e9t\u00e9. Cela prend g\u00e9n\u00e9ralement la forme d'un permis d\u00e9livr\u00e9 par les autorit\u00e9s f\u00e9d\u00e9rales et le canton concern\u00e9.<\/p>\n

La r\u00e9glementation de la Lex Koller permet l'achat de biens immobiliers dans les principaux cantons du Valais, de Fribourg, de Vaud, de Neuch\u00e2tel, des Grisons, de Berne et du Tessin. Ces cantons sont d\u00e9sign\u00e9s pour un nombre limit\u00e9 de ventes de biens immobiliers par an (actuellement 1 440). Il est donc possible d'acheter des biens immobiliers dans les principales stations de ski, ces r\u00e9gions repr\u00e9sentant la meilleure opportunit\u00e9 d'investissement.<\/p>\n

Les r\u00e8gles de la Lex Koller ne s'appliquent pas lorsqu'un non-r\u00e9sident ach\u00e8te sa propri\u00e9t\u00e9 suisse pour en faire sa r\u00e9sidence principale.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_2\u2033 _builder_version=\"4.7.6\u2033 _module_preset=\"default\"][et_pb_image src=\"https:\/\/alplifestyle.com\/wp-content\/uploads\/2020\/12\/Graph.png\" alt=\"Housing Prices Graph\" title_text=\"Graph\" align_tablet=\"center\" align_phone=\"center\" align_last_edited=\"on|phone\" _builder_version=\"4.8.2\u2033 _module_preset=\"default\" width=\"70%\" width_tablet=\"45%\" width_phone=\"\" width_last_edited=\"on|tablet\" custom_padding=\"90px||||false|false\" custom_padding_tablet=\"20px||||false|false\" custom_padding_phone=\"0px||||false|false\" custom_padding_last_edited=\"on|phone\" module_alignment_tablet=\"center\" module_alignment_phone=\"\" module_alignment_last_edited=\"on|tablet\"][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 _builder_version=\"4.7.6\u2033 _module_preset=\"default\" background_image=\"https:\/\/alplifestyle.com\/wp-content\/uploads\/2020\/12\/imageedit_13_4563901450.jpg\" custom_margin=\"-20px||||false|false\"][et_pb_row _builder_version=\"4. 7.6\u2033 _module_preset=\"default\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.7.6\u2033 _module_preset=\"default\"][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 _builder_version=\"4.7.6\u2033 _module_preset=\"default\"][et_pb_row _builder_version=\"4.9.2\u2033 _module_preset=\"default\" custom_margin=\"-30px||||false|false\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.7.6\u2033 _module_preset=\"default\"][et_pb_text _builder_version=\"4.9.2\u2033 _module_preset=\"default\" text_font=\"Montserrat||||||||\" text_font_size=\"15px\" header_2_font=\"Montserrat|300||on|||||\" header_2_text_align=\"center\" header_2_font_size=\"28px\" text_orientation=\"center\"]<\/p>\n

Quelle est la proc\u00e9dure \u00e0 suivre pour acheter un Propri\u00e9t\u00e9 suisse<\/strong>?<\/h2>\n

Tous les \u00e9trangers sont tenus de demander un permis pour acheter une maison de vacances en Suisse. Le processus d'achat de la propri\u00e9t\u00e9 est r\u00e9gi par les r\u00e8gles de la Lex Koller, qui s'appliquent \u00e0 tous les achats en Suisse, sauf si la propri\u00e9t\u00e9 doit servir de r\u00e9sidence principale \u00e0 l'acheteur.<\/p>\n

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Un notaire public suisse local agira \u00e0 la fois pour l'acheteur et le vendeur afin de conclure la transaction. Il est l\u00e0 pour prot\u00e9ger les int\u00e9r\u00eats des deux parties et il r\u00e9digera les actes et les documents n\u00e9cessaires \u00e0 la propri\u00e9t\u00e9 l\u00e9gale. Les frais de notaire, les frais de registre foncier et les taxes d'achat du gouvernement varient d'un canton \u00e0 l'autre.<\/p>\n

En Valais par exemple, vous devrez pr\u00e9voir un budget de 3%. Les frais sont \u00e0 la charge de l'acqu\u00e9reur et non du vendeur. Tous les contrats sont effectu\u00e9s en francs suisses. Une fois que l'acheteur a choisi un appartement, la proc\u00e9dure d'achat chez le notaire est simple. Le processus est le suivant :<\/p>\n

▶<\/p>\n

Remplir les formulaires de renseignements personnels et la documentation relative \u00e0 la procuration.<\/p>\n

▶<\/p>\n

Versement du d\u00e9p\u00f4t convenu sur le compte du notaire.<\/p>\n

▶<\/p>\n

Signature de l'acte de vente.<\/p>\n

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Le site Ach\u00e8vement<\/strong> de la vente<\/h2>\n

Si la propri\u00e9t\u00e9 est achet\u00e9e par un r\u00e9sident non suisse, le notaire s'adressera en son nom aux autorit\u00e9s cantonales pour obtenir un permis d'autorisation. Le d\u00e9lai d'obtention de l'autorisation varie d'un village \u00e0 l'autre et d\u00e9pend de l'\u00e9tat actuel des allocations de permis dans chaque r\u00e9gion.<\/p>\n

Une fois l'autorisation re\u00e7ue et la propri\u00e9t\u00e9 achev\u00e9e, le notaire enregistrera l'acte de vente aupr\u00e8s du registre foncier.<\/p>\n

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Achats<\/strong> Nouvelles constructions hors plan en Suisse<\/h2>\n

Les nouvelles constructions, les d\u00e9veloppements sur plan sont g\u00e9n\u00e9ralement pay\u00e9s par \u00e9tapes via le notaire. L'acheteur signe un contrat de r\u00e9servation et verse un acompte. La banque effectue les autres paiements \u00e9chelonn\u00e9s au fur et \u00e0 mesure de l'avancement de la construction (g\u00e9n\u00e9ralement lorsque les fondations et la toiture sont commenc\u00e9es), le dernier paiement \u00e9tant effectu\u00e9 apr\u00e8s une inspection satisfaisante.<\/p>\n

Les nouvelles constructions b\u00e9n\u00e9ficient d'une garantie de 5 ans pour les d\u00e9fauts de construction et de 10 ans pour les vices cach\u00e9s.<\/p>\n

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Quoi<\/strong> Quels sont les co\u00fbts d'achat ?<\/h2>\n

Les co\u00fbts d'achat varient en fonction du canton. En Valais (o\u00f9 se trouvent les propri\u00e9t\u00e9s de ski AlpLifestyle), vous devrez payer 3% comprenant les frais de notaire, les frais de registre foncier et les taxes d'achat gouvernementales. En outre, il faut payer des frais d'inscription hypoth\u00e9caire. En Valais, ces frais repr\u00e9sentent 1,6% de la valeur du pr\u00eat.<\/p>\n

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Suisse Hypoth\u00e8ques<\/strong><\/h2>\n

\u25b6<\/p>\n

Les banques locales pr\u00eatent jusqu'\u00e0 70% de la valeur de la propri\u00e9t\u00e9, en fonction de votre situation financi\u00e8re. Des pourcentages de pr\u00eat plus \u00e9lev\u00e9s sont possibles si vous investissez vos actifs aupr\u00e8s de la banque.<\/p>\n

\u25b6<\/p>\n

Vous devez payer le d\u00e9p\u00f4t 30% et ensuite la banque d\u00e9bloquera l'hypoth\u00e8que.<\/p>\n

\u25b6<\/p>\n

Les taux d'int\u00e9r\u00eat sont les plus bas du monde d\u00e9velopp\u00e9 et les banques pr\u00eatent sur 50 ans \u00e0 des taux fixes (5-15 ans) inf\u00e9rieurs \u00e0 2% par an.<\/p>\n

\u25b6<\/p>\n

Un pr\u00eat hypoth\u00e9caire suisse (\u00e0 taux variable ou fixe) est en fait un d\u00e9couvert garanti par le bien immobilier, l'emprunteur payant des int\u00e9r\u00eats sur le capital chaque trimestre.<\/p>\n

\u25b6<\/p>\n

Les appartements de plus de 2 millions de francs sont consid\u00e9r\u00e9s comme des investissements lux. Cela implique un LTV maximum de 60% et un remboursement du capital de 3% minimum.<\/p>\n

\u25b6<\/p>\n

Les remboursements de capital peuvent \u00eatre effectu\u00e9s sur une p\u00e9riode allant jusqu'\u00e0 50 ans et sont pay\u00e9s annuellement.<\/p>\n

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Les \u00e9tapes finales de Achat<\/strong><\/h2>\n

Pour \u00e9viter qu'une propri\u00e9t\u00e9 soit d\u00e9tenue par deux personnes en m\u00eame temps, l'acheteur et le vendeur de toutes les propri\u00e9t\u00e9s associ\u00e9es doivent se mettre d'accord sur le moment o\u00f9 les contrats seront sign\u00e9s et o\u00f9 l'emm\u00e9nagement aura lieu. Une fois que les pr\u00eats hypoth\u00e9caires ont \u00e9t\u00e9 confirm\u00e9s par la banque choisie, vous serez invit\u00e9 \u00e0 une r\u00e9union avec le notaire, avec le vendeur. C'est \u00e0 ce moment-l\u00e0 que les contrats seront discut\u00e9s et convenus.<\/p>\n

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Le site Notaire<\/strong><\/h2>\n

Le co\u00fbt du notaire sera un pourcentage du co\u00fbt de la propri\u00e9t\u00e9. Selon le canton, ce pourcentage peut \u00eatre divis\u00e9 \u00e0 parts \u00e9gales entre l'acheteur et le vendeur.<\/p>\n

Vous \u00eates libre de choisir le notaire ou le conseiller juridique que vous souhaitez. Cela signifie que vous n'\u00eates pas oblig\u00e9 d'accepter le notaire qui vous est recommand\u00e9. Votre notaire s'occupera des formalit\u00e9s administratives li\u00e9es \u00e0 l'achat, y compris la taxe de transfert de propri\u00e9t\u00e9 et les actes du registre foncier.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_2\u2033 _builder_version=\"4.7.6\u2033 _module_preset=\"default\"][et_pb_image src=\"https:\/\/alplifestyle.com\/wp-content\/uploads\/2020\/04\/Photo_67b.jpg\" alt=\"Achat de propri\u00e9t\u00e9\" title_text=\"Photo_67b\" _builder_version=\"4.7.6\u2033 _module_preset=\"default\" custom_padding=\"||||false|false\"][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 _builder_version=\"4.9.1\u2033 _module_preset=\"default\" background_image=\"https:\/\/alplifestyle.com\/wp-content\/uploads\/2020\/11\/Matterhorn-min.jpg\" parallax=\"on\" parallax_method=\"off\" max_width=\"1920px\" module_alignment=\"center\" min_height=\"208px\" custom_margin=\"||||false|false\" custom_padding=\"||90px||false|false\"][et_pb_row _builder_version=\"4.7.0\u2033 _module_preset=\"default\" custom_margin=\"-20px||||false|false\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.7.0\u2033 _module_preset=\"default\"][et_pb_text _builder_version=\"4.9.2\u2033 _module_preset=\"default\" text_font=\"Montserrat||||||||\" text_text_color=\"#4a5660\u2033 text_font_size=\"20px\" header_font=\"ABeeZee||||||||\" header_2_font=\"Montserrat||on|||||\" header_2_font_size=\"40px\"]<\/p>\n

Guides d'achat de propri\u00e9t\u00e9s<\/h2>\n

Apprenez \u00e0 conna\u00eetre le march\u00e9 immobilier alpin et comprenez le processus d'achat gr\u00e2ce \u00e0 nos guides de l'acheteur immobilier.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_3,1_3,1_3\u2033 module_id=\"mountain\" module_class=\"mountain1\u2033 _builder_version=\"4.7.0\u2033 _module_preset=\"default\"][et_pb_column type=\"1_3\u2033 _builder_version=\"4.7.0\u2033 _module_preset=\"default\"][et_pb_text _builder_version=\"4.9.2\u2033 _module_preset=\"default\" text_font=\"Montserrat||||||||\" text_text_color=\"#ffffff\" text_font_size=\"16px\" header_font=\"|700|||||||\" header_2_font=\"Montserrat|||on|||||\" header_2_text_color=\"#ffffff\" background_color=\"#0d77ba\" custom_padding=\"20px|40px|40px|40px|40px|false|false\" link_option_url=\"\/buying-property-in-switzerland\/\" border_width_all=\"2px\" border_color_all=\"#ffffff\" box_shadow_style=\"preset2\u2033 box_shadow_blur=\"21px\"]<\/p>\n

Acheter
La propri\u00e9t\u00e9 dans
Suisse<\/h2>\n

En savoir plus ><\/p>\n

[\/et_pb_text][et_pb_image src=\"https:\/\/alplifestyle.com\/wp-content\/uploads\/2020\/11\/alp-logo-png-bleu-copy-1.png\" alt=\"Logo AlpLifestyle blanc\" title_text=\"alp-logo-png-bleu copy (1)\" _builder_version=\"4.7.0\u2033 _module_preset=\"default\" custom_margin=\"-110px||||false|false\" custom_padding=\"|||20px|false|false\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"1_3\u2033 _builder_version=\"4.7.0\u2033 _module_preset=\"default\"][et_pb_text _builder_version=\"4.9.2\u2033 _module_preset=\"default\" text_font=\"Montserrat||||||||\" text_text_color=\"#ffffff\" text_font_size=\"16px\" header_font=\"|800|||||||\" header_2_font=\"Montserrat|||on|||||\" header_2_text_color=\"#ffffff\" background_color=\"#0d77ba\" custom_padding=\"20px|40px|40px|40px|40px|false|false\" link_option_url=\"\/swiss-property-rentals\/\" border_width_all=\"2px\" border_color_all=\"#ffffff\" box_shadow_style=\"preset2\u2033 box_shadow_blur=\"21px\"]<\/p>\n

Suisse
Propri\u00e9t\u00e9
Location<\/h2>\n

En savoir plus ><\/p>\n

[\/et_pb_text][et_pb_image src=\"https:\/\/alplifestyle.com\/wp-content\/uploads\/2020\/11\/alp-logo-png-bleu-copy-1.png\" alt=\"Logo AlpLifestyle blanc\" title_text=\"alp-logo-png-bleu copy (1)\" _builder_version=\"4.7.0\u2033 _module_preset=\"default\" custom_margin=\"-110px||||false|false\" custom_padding=\"|||20px|false|false\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"1_3\u2033 _builder_version=\"4.7.0\u2033 _module_preset=\"default\"][et_pb_text _builder_version=\"4.9.2\u2033 _module_preset=\"default\" text_font=\"Montserrat||||||||\" text_text_color=\"#ffffff\" text_font_size=\"16px\" header_font=\"|800|||||||\" header_2_font=\"Montserrat|||on|||||\" header_2_text_color=\"#ffff\" background_color=\"#0d77ba\" custom_padding=\"20px|40px|40px|40px|false|false\" border_width_all=\"2px\" border_color_all=\"#ffffff\" box_shadow_style=\"preset2\u2033 box_shadow_blur=\"21px\"]<\/p>\n

Propri\u00e9t\u00e9
Achat
Processus<\/h2>\n

En savoir plus > <\/p>\n

[\/et_pb_text][et_pb_image src=\"https:\/\/alplifestyle.com\/wp-content\/uploads\/2020\/11\/alp-logo-png-bleu-copy-1.png\" alt=\"Logo AlpLifestyle blanc\" title_text=\"alp-logo-png-bleu copy (1)\" _builder_version=\"4.7.0\u2033 _module_preset=\"default\" custom_margin=\"-110px||||false|false\" custom_padding=\"|||20px|false|false\"][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>","protected":false},"excerpt":{"rendered":"

Processus d'achat d'une propri\u00e9t\u00e9L'achat d'une propri\u00e9t\u00e9 peut parfois \u00eatre un processus intimidant. Ceci peut \u00eatre accentu\u00e9 si la propri\u00e9t\u00e9 est situ\u00e9e \u00e0 l'\u00e9tranger. Ici, \u00e0 AlpLifestyle, nous veillons \u00e0 ce que tous nos clients soient assist\u00e9s \u00e0 chaque \u00e9tape de l'achat de leur propri\u00e9t\u00e9. Cela inclut toute l'assistance n\u00e9cessaire pour investir dans une propri\u00e9t\u00e9 [...].<\/p>","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","ngg_post_thumbnail":0,"footnotes":""},"class_list":["post-3204","page","type-page","status-publish","hentry"],"yoast_head":"\nSwiss Property Purchase Process (Guide) - Alplifestyle<\/title>\n<meta name=\"description\" content=\"Find out more about the process involved in buying your swiss ski property, from taxes to mortgages, we cover everything in this handy guide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alplifestyle.com\/fr\/property-purchase-process\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Swiss Property Purchase Process (Guide) - 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