{"id":6613,"date":"2026-10-02T14:35:27","date_gmt":"2026-10-02T14:35:27","guid":{"rendered":"https:\/\/bred.mg\/?page_id=6613"},"modified":"2026-10-20T07:42:18","modified_gmt":"2026-10-20T07:42:18","slug":"credit-immobilier-residence-principale","status":"publish","type":"page","link":"https:\/\/bred.mg\/mg\/credit-immobilier-residence-principale\/","title":{"rendered":"Cr\u00e9dit immobilier R\u00e9sidence Principale"},"content":{"rendered":"<style>\r\n\/* --- 1. 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APPARITION DES TEXTES DEPUIS LE BAS --- *\/\r\n@keyframes fadeInUpOnce {\r\n    from {\r\n        opacity: 0;\r\n        transform: translateY(40px);\r\n    }\r\n    to {\r\n        opacity: 1;\r\n        transform: translateY(0);\r\n    }\r\n}\r\n\r\n\/* Masque les textes au d\u00e9part *\/\r\n.scroll-section h2,\r\n.scroll-section p,\r\n.scroll-section ul {\r\n    opacity: 0;\r\n}\r\n\r\n\/* D\u00e9clenche l'animation une fois visible \u00e0 l'\u00e9cran *\/\r\n.scroll-section.is-visible h2,\r\n.scroll-section.is-visible p,\r\n.scroll-section.is-visible ul {\r\n    animation: fadeInUpOnce 0.8s ease-out forwards;\r\n}\r\n<\/style>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    const observerOptions = {\r\n        root: null,\r\n        rootMargin: '0px',\r\n        threshold: 0.15\r\n    };\r\n\r\n    const observer = new IntersectionObserver((entries, observer) => {\r\n        entries.forEach(entry => {\r\n            if (entry.isIntersecting) {\r\n                entry.target.classList.add('is-visible');\r\n                observer.unobserve(entry.target);\r\n            }\r\n        });\r\n    }, observerOptions);\r\n\r\n    \/\/ Cible automatiquement tous les blocs avec la classe commune\r\n    document.querySelectorAll('.scroll-section').forEach(container => {\r\n        observer.observe(container);\r\n    });\r\n});\r\n<\/script>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2146\" height=\"801\" src=\"https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/vdef-cmp-immo_site-web.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/vdef-cmp-immo_site-web.jpg 2146w, https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/vdef-cmp-immo_site-web-300x112.jpg 300w, https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/vdef-cmp-immo_site-web-1024x382.jpg 1024w, https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/vdef-cmp-immo_site-web-768x287.jpg 768w, https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/vdef-cmp-immo_site-web-1536x573.jpg 1536w, https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/vdef-cmp-immo_site-web-2048x764.jpg 2048w, https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/vdef-cmp-immo_site-web-18x7.jpg 18w\" sizes=\"auto, (max-width: 2146px) 100vw, 2146px\" \/><\/figure>\n\n\n<section class=\"wp-block-bred-section-text is-align-center is-width-wide espace-titre-reduit\"><div class=\"wp-block-bred-section-text__inner\"><h2 class=\"wp-block-bred-section-text__title\"><strong>Des solutions immobili\u00e8res adapt\u00e9es \u00e0 chaque situation<\/strong><\/h2><p class=\"wp-block-bred-section-text__body\">Particuliers, fonctionnaires, salari\u00e9s ou entrepreneurs : \u00e9changez avec nos experts pour faire avancer votre projet.<\/p><div class=\"wp-block-bred-section-text__extra\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div><\/section>\n\n\n\n<style>\n.espace-titre-reduit {\n    padding-bottom: 10px !important;\n    margin-bottom: 0 !important;\n}\n<\/style>\n\n\n\n<section class=\"wp-block-bred-text-media is-media-right has-media\" id=\"kb-image-zoom-scroll-exit-left\"><div class=\"wp-block-bred-text-media__content\"><p class=\"wp-block-bred-text-media__eyebrow\">particulierS<\/p><h2 class=\"wp-block-bred-text-media__title\"><strong><strong>Votre <em>r\u00e9sidence principale <\/em>devient <em>plus accessible<\/em><\/strong><\/strong><\/h2><p class=\"wp-block-bred-text-media__body\">Vous r\u00eavez d\u2019acheter votre appartement, de construire votre maison ou de financer un terrain pour votre futur logement ?<br>Avec BRED Madagasikara Banque Populaire, b\u00e9n\u00e9ficiez d\u2019une solution pens\u00e9e pour vous aider \u00e0 devenir propri\u00e9taire plus facilement.<br><br><strong>Pour votre projet :<\/strong><\/p><div class=\"wp-block-bred-text-media__extra\">\n<div class=\"wp-block-bred-list is-marker-check is-tone-primary\" role=\"list\">\n<p class=\"wp-block-paragraph\"><strong>Achat ou construction<\/strong> d\u2019une r\u00e9sidence principale<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Appartement<\/strong>, <strong>maison <\/strong>ou <strong>terrain <\/strong>titr\u00e9 et born\u00e9<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financement jusqu\u2019\u00e0&nbsp;<strong>100 % du projet hors frais<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dur\u00e9e de remboursement jusqu\u2019\u00e0&nbsp;<strong>20 ans<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Aucun frais<\/strong> de remboursement anticip\u00e9<\/p>\n<\/div>\n<\/div><div class=\"wp-block-bred-text-media__ctas\"><a class=\"wp-block-bred-text-media__cta is-primary\" href=\"https:\/\/bred.mg\/mg\/prise-de-contact\/\"><span class=\"wp-block-bred-text-media__cta-label\">Contacter un expert<\/span><\/a><\/div><\/div><figure class=\"wp-block-bred-text-media__media\"><div class=\"wp-block-bred-text-media__frame\"><img class=\"wp-block-bred-text-media__image\" src=\"https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/cest-notre-projet-01-scaled.jpg\" alt=\"\" loading=\"lazy\" decoding=\"async\"\/><\/div><\/figure><\/section>\n\n\n\n<section class=\"wp-block-bred-section-info is-layout-horizontal has-cols-3 is-bg-support-yellow is-header-top-left has-header\"><header class=\"wp-block-bred-section-info__header\"><p class=\"wp-block-bred-section-info__eyebrow\"><strong>CONDITIONS DE FINANCEMENT<\/strong><\/p><h2 class=\"wp-block-bred-section-info__title\"><strong>Un cr\u00e9dit pens\u00e9 pour faciliter l\u2019acc\u00e8s <em>\u00e0 la maison de vos r\u00eaves<\/em><\/strong><\/h2><p class=\"wp-block-bred-section-info__body\"><br>Nos conditions ont \u00e9t\u00e9 con\u00e7ues pour vous permettre de b\u00e9n\u00e9ficier de :<br><strong>\u2022<\/strong> <em><strong>Mensualit\u00e9s adapt\u00e9es <\/strong><\/em>\u00e0 votre budget,<br><strong>\u2022<\/strong> Solutions de <strong><em>garantie adapt\u00e9es <\/em><\/strong>\u00e0 votre situation,<br><strong>\u2022<\/strong> Accompagnement par nos <em><strong>Experts en Cr\u00e9dit Immobilier<\/strong><\/em>.<br><br><strong>Vos rep\u00e8res cl\u00e9s :<\/strong><\/p><\/header><div class=\"wp-block-bred-section-info__grid\"><article class=\"wp-block-bred-section-info__item\"><span class=\"wp-block-bred-section-info__icon\" aria-hidden=\"true\"><i class=\"ph ph-clock\" aria-hidden=\"true\"><\/i><\/span><div class=\"wp-block-bred-section-info__content\"><h3 class=\"wp-block-bred-section-info__item-title\"><strong>Jusqu&rsquo;\u00e0 20ans <\/strong><\/h3><p class=\"wp-block-bred-section-info__item-description\">Dur\u00e9e de remboursement<\/p><\/div><\/article><article class=\"wp-block-bred-section-info__item\"><span class=\"wp-block-bred-section-info__icon\" aria-hidden=\"true\"><i class=\"ph ph-chart-line-up\" aria-hidden=\"true\"><\/i><\/span><div class=\"wp-block-bred-section-info__content\"><h3 class=\"wp-block-bred-section-info__item-title\"><strong>9%, 10%, 12%<\/strong><\/h3><p class=\"wp-block-bred-section-info__item-description\">Selon la dur\u00e9e choisie :<br>jusqu\u2019\u00e0 10 ans, 15 ans ou 20 ans <\/p><\/div><\/article><article class=\"wp-block-bred-section-info__item\"><span class=\"wp-block-bred-section-info__icon\" aria-hidden=\"true\"><i class=\"ph ph-money-wavy\" aria-hidden=\"true\"><\/i><\/span><div class=\"wp-block-bred-section-info__content\"><h3 class=\"wp-block-bred-section-info__item-title\"><strong>0 p\u00e9nalit\u00e9<\/strong><\/h3><p class=\"wp-block-bred-section-info__item-description\">En cas de remboursement <br>anticip\u00e9<\/p><\/div><\/article><\/div><\/section>\n\n\n\n<style>\n\/* --- CONTR\u00d4LE DE LA TAILLE ET CENTRAGE DU BLOC PRINCIPAL --- *\/\n.section-texte-centre {\n    text-align: center !important;\n    display: flex !important;\n    flex-direction: column !important;\n    align-items: center !important;\n    justify-content: center !important;\n    width: 100% !important;\n    max-width: 1200px !important;\n    margin-left: auto !important;\n    margin-right: auto !important;\n    box-sizing: border-box !important;\n    padding-left: 20px !important;\n    padding-right: 20px !important;\n}\n\n\/* Le titre et les paragraphes du haut restent centr\u00e9s *\/\n.section-texte-centre h2,\n.section-texte-centre p {\n    text-align: center !important;\n    max-width: 100% !important;\n    margin-left: auto !important;\n    margin-right: auto !important;\n    box-sizing: border-box !important;\n}\n\n\/* --- SECTION DU BAS (LES 3 \u00c9L\u00c9MENTS SUR BUREAU) --- *\/\n.section-texte-centre > *:last-child {\n    display: flex !important;\n    flex-direction: row !important;\n    justify-content: space-between !important;\n    align-items: center !important;\n    width: 100% !important;\n}\n\n\/* Force les 3 \u00e9l\u00e9ments du bas et leurs textes \u00e0 s'aligner \u00e0 gauche *\/\n.section-texte-centre > *:last-child,\n.section-texte-centre > *:last-child * {\n    text-align: left !important;\n}\n\n\/* --- VERSION MOBILE : SUPERPOSITION (COLONNE) --- *\/\n@media screen and (max-width: 768px) {\n    .section-texte-centre > *:last-child {\n        flex-direction: column !important; \/* Empile les \u00e9l\u00e9ments en colonne *\/\n        align-items: flex-start !important; \/* Aligne les blocs \u00e0 gauche sur mobile *\/\n        gap: 20px !important;            \/* Espace vertical entre chaque bloc *\/\n    }\n}\n<\/style>\n\n\n\n<section class=\"wp-block-bred-text-media is-media-left has-media\"><div class=\"wp-block-bred-text-media__content\"><p class=\"wp-block-bred-text-media__eyebrow\"><strong>\u00c9LIGIBILIT\u00c9<\/strong><\/p><h2 class=\"wp-block-bred-text-media__title\"><strong>Une <\/strong><em>offre accessible<\/em><strong> au plus grand nombre !<\/strong><\/h2><p class=\"wp-block-bred-text-media__body\">Que vous soyez&nbsp;<strong>salari\u00e9, fonctionnaire, entrepreneur, consultant ou profession lib\u00e9rale<\/strong>, nos conseillers \u00e9tudient votre situation pour construire une solution adapt\u00e9e \u00e0 votre projet de r\u00e9sidence principale.<\/p><div class=\"wp-block-bred-text-media__extra\">\n<p class=\"wp-block-paragraph\"><strong>Les principaux crit\u00e8res \u00e0 r\u00e9unir :<\/strong><\/p>\n\n\n\n<div class=\"wp-block-bred-list is-marker-check is-tone-primary\" role=\"list\">\n<p class=\"wp-block-paragraph\">Un projet destin\u00e9 \u00e0 votre<strong>&nbsp;<strong>r\u00e9sidence principale<\/strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des revenus emprunteurs \u00e0 partir de&nbsp;<strong>500 000 MGA<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des revenus domicili\u00e9s chez BRED Madagasikara Banque Populaire<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une fin de pr\u00eat pr\u00e9vue au plus tard \u00e0&nbsp;<strong>65 ans<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une garantie adapt\u00e9e :&nbsp;<strong>Solidis privil\u00e9gi\u00e9e<\/strong>&nbsp;ou hypoth\u00e8que<\/p>\n<\/div>\n<\/div><div class=\"wp-block-bred-text-media__ctas\"><a class=\"wp-block-bred-text-media__cta is-primary\" href=\"https:\/\/bred.mg\/mg\/estimation-credit\/\"><span class=\"wp-block-bred-text-media__cta-label\">V\u00e9rifier mon \u00e9ligibilit\u00e9<\/span><\/a><\/div><\/div><figure class=\"wp-block-bred-text-media__media\"><div class=\"wp-block-bred-text-media__frame\"><img class=\"wp-block-bred-text-media__image\" src=\"https:\/\/bred.mg\/wp-content\/uploads\/2026\/10\/visuel-cresit-immo-site-01-scaled.jpg\" alt=\"\" loading=\"lazy\" decoding=\"async\"\/><\/div><\/figure><\/section>\n\n\n\n<section class=\"wp-block-bred-section-accordion is-bg-none is-header-top-center has-header is-single\" data-allow-multiple=\"false\"><header class=\"wp-block-bred-section-accordion__header\"><p class=\"wp-block-bred-section-accordion__eyebrow\"><strong>PR\u00c9PARER VOTRE DEMANDE<\/strong><\/p><h2 class=\"wp-block-bred-section-accordion__title\"><strong><strong>Pour souscrire, pensez \u00e0 pr\u00e9parer vos <em>justificatifs<\/em><\/strong><\/strong><\/h2><p class=\"wp-block-bred-section-accordion__body\">Afin de gagner du temps lors de votre rendez-vous, munissez-vous des pi\u00e8ces n\u00e9cessaires selon votre profil et la nature de votre projet immobilier.<\/p><\/header><div class=\"wp-block-bred-section-accordion__list\">\n<details class=\"wp-block-bred-accordion-item\" open><summary class=\"wp-block-bred-accordion-item__row\"><span class=\"wp-block-bred-accordion-item__question\"><strong>1. Vos pi\u00e8ces personnelles<\/strong><\/span><span class=\"wp-block-bred-accordion-item__icon\" aria-hidden=\"true\"><i class=\"ph ph-caret-down\" aria-hidden=\"true\"><\/i><\/span><\/summary><div class=\"wp-block-bred-accordion-item__panel\"><div class=\"wp-block-bred-accordion-item__answer\"><p>&#8211; Copie certifi\u00e9e de la&nbsp;<strong>CIN<\/strong><br>&#8211; Certificat de r\u00e9sidence de moins de&nbsp;<strong>3 mois<\/strong><br>&#8211; Copie certifi\u00e9e du livret de famille ou certificat de c\u00e9libat<\/p><\/div><\/div><\/details>\n\n\n\n<details class=\"wp-block-bred-accordion-item\"><summary class=\"wp-block-bred-accordion-item__row\"><span class=\"wp-block-bred-accordion-item__question\"><strong>2. Selon votre situation<\/strong><\/span><span class=\"wp-block-bred-accordion-item__icon\" aria-hidden=\"true\"><i class=\"ph ph-caret-down\" aria-hidden=\"true\"><\/i><\/span><\/summary><div class=\"wp-block-bred-accordion-item__panel\"><div class=\"wp-block-bred-accordion-item__answer\"><p><strong>Si vous \u00eates rentier :<\/strong><br>&#8211; Contrat de bail l\u00e9galis\u00e9<br>&#8211; Photos des maisons en location<\/p><p><br><strong>Si vous \u00eates consultant :<\/strong><br>&#8211; Contrat de consultance mentionnant la dur\u00e9e du contrat<\/p><p><br><strong>Si vous \u00eates entrepreneur ou profession lib\u00e9rale :<\/strong><br>&#8211; Copie du NIF<br>&#8211; Carte professionnelle<br>&#8211; Statistique<br>&#8211; Registre du commerce<br>&#8211; Statuts si SARLU ou SARL<br>&#8211; \u00c9tats financiers des 3 derni\u00e8res ann\u00e9es, ou depuis le d\u00e9but de l\u2019activit\u00e9 si moins de 3 ans<br>&#8211; Carte professionnelle ou carte de l\u2019ordre pour les professions lib\u00e9rales<br>&#8211; Contrat pr\u00e9cisant la dur\u00e9e, s\u2019il existe un revenu fixe<\/p><\/div><\/div><\/details>\n\n\n\n<details class=\"wp-block-bred-accordion-item\"><summary class=\"wp-block-bred-accordion-item__row\"><span class=\"wp-block-bred-accordion-item__question\"><strong>3. Selon votre projet immobilier<\/strong><\/span><span class=\"wp-block-bred-accordion-item__icon\" aria-hidden=\"true\"><i class=\"ph ph-caret-down\" aria-hidden=\"true\"><\/i><\/span><\/summary><div class=\"wp-block-bred-accordion-item__panel\"><div class=\"wp-block-bred-accordion-item__answer\"><p><strong>Pour une construction :<\/strong><br>&#8211; Certificat de Situation Juridique de moins de&nbsp;<strong>3 mois<\/strong><br>&#8211; Copie int\u00e9grale du duplicata du titre foncier<br>&#8211; Devis estimatif des travaux<br>&#8211; Plan de la maison<br>&#8211; Photo du terrain<br>&#8211; Plan topo<br>&#8211; Plan Google<\/p><p><br><strong>Pour une acquisition :<\/strong><br>&#8211; Certificat de Situation Juridique de moins de&nbsp;<strong>3 mois<\/strong><br>&#8211; Copie int\u00e9grale du duplicata du titre foncier<br>&#8211; Promesse de vente du vendeur<br>&#8211; Pi\u00e8ce personnelle du vendeur<br>&#8211; Photo du terrain<br>&#8211; Plan topo<br>&#8211; Plan Google<\/p><p><br><strong>Pour une acquisition cl\u00e9 en main :<\/strong><br>&#8211; Certificat de Situation Juridique de moins de&nbsp;<strong>3 mois<\/strong><br>&#8211; Copie int\u00e9grale du duplicata du titre foncier<br>&#8211; Contrat de r\u00e9servation de la maison<br>&#8211; Planning de construction<br>&#8211; Photo du terrain<br>&#8211; Plan topo<br>&#8211; Plan Google<\/p><\/div><\/div><\/details>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-bred-push-glyphe alignwide is-bg-support-yellow is-layout-centered is-glyph-bottom-right has-glyph has-cta\"><img class=\"wp-block-bred-push-glyphe__glyph\" src=\"\/wp-content\/themes\/bred-theme\/assets\/images\/glyph-madagasikara.svg\" alt=\"\" aria-hidden=\"true\" loading=\"lazy\" decoding=\"async\"\/><div class=\"wp-block-bred-push-glyphe__content\"><h2 class=\"wp-block-bred-push-glyphe__title\"><strong><strong>Pr\u00eat \u00e0 <em>concr\u00e9tiser <\/em>votre r\u00e9sidence principale ?<\/strong><\/strong><\/h2><p class=\"wp-block-bred-push-glyphe__body\">Votre projet avance d\u00e8s maintenant. Nos experts vous accompagnent pour simuler votre financement, \u00e9valuer votre capacit\u00e9 de remboursement et pr\u00e9parer votre dossier.<\/p><div class=\"wp-block-bred-push-glyphe__cta-row\"><a class=\"wp-block-bred-push-glyphe__cta\" href=\"https:\/\/bred.mg\/mg\/prise-de-contact\/\"><span class=\"wp-block-bred-push-glyphe__cta-label\">\u00catre accompagn\u00e9<\/span><\/a><\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":8,"featured_media":6781,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"Relevanssi image attachment filter Yoast SEO Relevanssi index exclude","bred_audience":"particuliers","footnotes":""},"bred_page_cat":[46],"class_list":["post-6613","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - 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