{"id":46358,"date":"2025-10-26T07:45:01","date_gmt":"2025-10-26T07:45:01","guid":{"rendered":"https:\/\/www.asesoriaorihuelacosta.com\/?p=46358"},"modified":"2025-10-26T09:08:57","modified_gmt":"2025-10-26T09:08:57","slug":"calculatrice-pret-immobilier","status":"publish","type":"post","link":"https:\/\/www.asesoriaorihuelacosta.com\/fr\/calculatrice-pret-immobilier\/","title":{"rendered":"Calculatrice pr\u00eat immobilier en Espagne: TAE et fonds propres"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46358\" class=\"elementor elementor-46358\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-96728d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"96728d9\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d574a1c\" data-id=\"d574a1c\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-261d825 elementor-widget elementor-widget-text-editor\" data-id=\"261d825\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vous achetez en Espagne et voulez savoir <strong data-start=\"349\" data-end=\"384\">combien vous paierez r\u00e9ellement<\/strong> \u2014 et <strong data-start=\"390\" data-end=\"431\">combien d\u2019\u00e9pargne vous devez apporter<\/strong> ? Notre <strong data-start=\"440\" data-end=\"477\">calculatrice de pr\u00eat immobilier en Espagne <\/strong>vous pouvez estimez votre <strong data-start=\"514\" data-end=\"528\">mensualit\u00e9<\/strong>, la <strong data-start=\"533\" data-end=\"546\">TAE <\/strong>, les <strong data-start=\"552\" data-end=\"571\">int\u00e9r\u00eats totaux<\/strong> et le <strong data-start=\"578\" data-end=\"601\">co\u00fbt global du pr\u00eat<\/strong>, et calcule aussi votre <strong data-start=\"626\" data-end=\"655\">pr\u00eat maximum selon le LTV<\/strong> (80 % r\u00e9sidents \u00b7 70 % non-r\u00e9sidents, modifiable), les <strong data-start=\"711\" data-end=\"728\">taxes d\u2019achat<\/strong> et les <strong data-start=\"736\" data-end=\"753\">fonds propres<\/strong> n\u00e9cessaires.\u00a0<\/p><p>Elle inclut des <strong data-start=\"783\" data-end=\"829\">pr\u00e9r\u00e9glages pour la Communaut\u00e9 Valencienne<\/strong>, \u00e9ditables pour toute autre r\u00e9gion.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b3cc344 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3cc344\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8cb4e46\" data-id=\"8cb4e46\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d51058 elementor-widget elementor-widget-heading\" data-id=\"2d51058\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment utiliser notre calculatrice de pr\u00eat immobilier (guide rapide)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4cbf016 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4cbf016\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ca98dd\" data-id=\"8ca98dd\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1a982e elementor-widget elementor-widget-text-editor\" data-id=\"b1a982e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"19826\" data-end=\"20146\"><p data-start=\"19829\" data-end=\"19846\"><strong data-start=\"19829\" data-end=\"19844\">Achat &amp; LTV<\/strong><\/p><ul data-start=\"19850\" data-end=\"20146\"><li data-start=\"19850\" data-end=\"19907\"><p data-start=\"19852\" data-end=\"19907\">Saisissez <strong data-start=\"19862\" data-end=\"19878\">Prix d\u2019achat<\/strong> et <strong data-start=\"19882\" data-end=\"19904\">Valeur d\u2019expertise<\/strong>.<\/p><\/li><li data-start=\"19911\" data-end=\"20022\"><p data-start=\"19913\" data-end=\"20022\">Choisissez la <strong data-start=\"19927\" data-end=\"19939\">Base LTV<\/strong> : <em data-start=\"19942\" data-end=\"19953\">Expertise<\/em> ou <em data-start=\"19957\" data-end=\"19989\">Inf\u00e9rieur de (prix, expertise)<\/em> (r\u00e8gle fr\u00e9quente des banques).<\/p><\/li><li data-start=\"20026\" data-end=\"20146\"><p data-start=\"20028\" data-end=\"20146\">S\u00e9lectionnez <strong data-start=\"20041\" data-end=\"20054\">R\u00e9sidence<\/strong> (<em data-start=\"20056\" data-end=\"20071\">R\u00e9sident 80 %<\/em> \u00b7 <em data-start=\"20074\" data-end=\"20093\">Non-r\u00e9sident 70 %<\/em> \u00b7 <em data-start=\"20096\" data-end=\"20110\">Personnalis\u00e9<\/em>) et ajustez le <strong data-start=\"20126\" data-end=\"20135\">% LTV<\/strong> si besoin.<\/p><\/li><\/ul><\/li><li data-start=\"20148\" data-end=\"20511\"><p data-start=\"20151\" data-end=\"20171\"><strong data-start=\"20151\" data-end=\"20169\">R\u00e9gion &amp; taxes<\/strong><\/p><ul data-start=\"20175\" data-end=\"20511\"><li data-start=\"20175\" data-end=\"20288\"><p data-start=\"20177\" data-end=\"20288\"><strong data-start=\"20177\" data-end=\"20210\">Communaut\u00e9 Autonome (presets)<\/strong> : <em data-start=\"20213\" data-end=\"20237\">Communaut\u00e9 Valencienne<\/em> (par d\u00e9faut) ou <em data-start=\"20254\" data-end=\"20285\">Autre CCAA (\u00e9dition manuelle)<\/em>.<\/p><\/li><li data-start=\"20292\" data-end=\"20358\"><p data-start=\"20294\" data-end=\"20358\"><strong data-start=\"20294\" data-end=\"20310\">Type de bien<\/strong> : <em data-start=\"20313\" data-end=\"20333\">Seconde main (ITP)<\/em> ou <em data-start=\"20337\" data-end=\"20355\">Neuf (TVA + AJD)<\/em>.<\/p><\/li><li data-start=\"20362\" data-end=\"20511\"><p data-start=\"20364\" data-end=\"20511\">Le champ <strong data-start=\"20373\" data-end=\"20406\">\u00ab Taxes + frais d\u2019achat (%) \u00bb<\/strong> se <strong data-start=\"20410\" data-end=\"20437\">remplit automatiquement<\/strong> (Valencienne : ~12 % seconde main, ~11,5 % neuf) et reste <strong data-start=\"20496\" data-end=\"20510\">modifiable<\/strong>.<\/p><\/li><\/ul><\/li><li data-start=\"20513\" data-end=\"21016\"><p data-start=\"20516\" data-end=\"20551\"><strong data-start=\"20516\" data-end=\"20549\">Pr\u00eat &amp; conditions financi\u00e8res<\/strong><\/p><ul data-start=\"20555\" data-end=\"21016\"><li data-start=\"20555\" data-end=\"20655\"><p data-start=\"20557\" data-end=\"20655\">Entrez le <strong data-start=\"20567\" data-end=\"20594\">Montant de pr\u00eat demand\u00e9<\/strong> (la calculatrice le limite si le <strong data-start=\"20628\" data-end=\"20639\">max LTV<\/strong> est d\u00e9pass\u00e9).<\/p><\/li><li data-start=\"20659\" data-end=\"20775\"><p data-start=\"20661\" data-end=\"20775\">R\u00e9glez la <strong data-start=\"20671\" data-end=\"20689\">Dur\u00e9e (ann\u00e9es)<\/strong> et le <strong data-start=\"20696\" data-end=\"20714\">Type d\u2019int\u00e9r\u00eat<\/strong> : <em data-start=\"20717\" data-end=\"20740\">Fixe (nominal annuel)<\/em> ou <em data-start=\"20744\" data-end=\"20772\">Variable (Euribor + marge)<\/em>.<\/p><\/li><li data-start=\"20779\" data-end=\"20905\"><p data-start=\"20781\" data-end=\"20905\">Ajoutez <strong data-start=\"20789\" data-end=\"20809\">Frais de dossier<\/strong> (%, minimum \u20ac), <strong data-start=\"20826\" data-end=\"20844\">Co\u00fbts initiaux<\/strong>, et <strong data-start=\"20849\" data-end=\"20880\">Co\u00fbts mensuels des produits<\/strong> (assurances, compte\u2026).<\/p><\/li><li data-start=\"20909\" data-end=\"21016\"><p data-start=\"20911\" data-end=\"21016\">Si votre banque applique des bonus, indiquez la <strong data-start=\"20959\" data-end=\"20985\">remise totale (points)<\/strong> sur le nominal (ex. <strong data-start=\"21006\" data-end=\"21014\">0,60<\/strong>).<\/p><\/li><\/ul><\/li><li data-start=\"21018\" data-end=\"21329\"><p data-start=\"21021\" data-end=\"21035\"><strong data-start=\"21021\" data-end=\"21033\">Calculez<\/strong><\/p><ul data-start=\"21039\" data-end=\"21329\"><li data-start=\"21039\" data-end=\"21252\"><p data-start=\"21041\" data-end=\"21252\">Vous obtenez la <strong data-start=\"21057\" data-end=\"21078\">mensualit\u00e9 totale<\/strong> (annuit\u00e9 + produits), la <strong data-start=\"21104\" data-end=\"21119\">TAE estim\u00e9e<\/strong>, les <strong data-start=\"21125\" data-end=\"21144\">int\u00e9r\u00eats totaux<\/strong>, le <strong data-start=\"21149\" data-end=\"21163\">co\u00fbt total<\/strong>, le <strong data-start=\"21168\" data-end=\"21188\">pr\u00eat maximum LTV<\/strong>, le <strong data-start=\"21193\" data-end=\"21209\">LTV appliqu\u00e9<\/strong>, les <strong data-start=\"21215\" data-end=\"21224\">taxes<\/strong> et les <strong data-start=\"21232\" data-end=\"21249\">fonds propres<\/strong>.<\/p><\/li><li data-start=\"21256\" data-end=\"21329\"><p data-start=\"21258\" data-end=\"21329\">Affichez le <strong data-start=\"21270\" data-end=\"21313\">tableau d\u2019amortissement de la 1re ann\u00e9e<\/strong> pour le d\u00e9tail.<\/p><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4539d78 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4539d78\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70c4012\" data-id=\"70c4012\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a2ebcc elementor-widget elementor-widget-heading\" data-id=\"0a2ebcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">R\u00e9sultats fournis\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c543df5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c543df5\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-22a50f6\" data-id=\"22a50f6\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a17c95 elementor-widget elementor-widget-text-editor\" data-id=\"4a17c95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul data-start=\"21358\" data-end=\"21697\"><li data-start=\"21358\" data-end=\"21383\"><p data-start=\"21360\" data-end=\"21383\"><strong data-start=\"21360\" data-end=\"21381\">Mensualit\u00e9 totale<\/strong><\/p><\/li><li data-start=\"21384\" data-end=\"21440\"><p data-start=\"21386\" data-end=\"21440\"><strong data-start=\"21386\" data-end=\"21407\">TAE (APR) estim\u00e9e<\/strong> via IRR mensuel des flux r\u00e9els<\/p><\/li><li data-start=\"21441\" data-end=\"21491\"><p data-start=\"21443\" data-end=\"21491\"><strong data-start=\"21443\" data-end=\"21462\">Int\u00e9r\u00eats totaux<\/strong> et <strong data-start=\"21466\" data-end=\"21481\">co\u00fbt global<\/strong> du pr\u00eat<\/p><\/li><li data-start=\"21492\" data-end=\"21577\"><p data-start=\"21494\" data-end=\"21577\"><strong data-start=\"21494\" data-end=\"21516\">Valeur de base LTV<\/strong>, <strong data-start=\"21518\" data-end=\"21534\">LTV appliqu\u00e9<\/strong>, <strong data-start=\"21536\" data-end=\"21557\">pr\u00eat max autoris\u00e9<\/strong>, <strong data-start=\"21559\" data-end=\"21575\">pr\u00eat utilis\u00e9<\/strong><\/p><\/li><li data-start=\"21578\" data-end=\"21633\"><p data-start=\"21580\" data-end=\"21633\"><strong data-start=\"21580\" data-end=\"21603\">Taxes\/frais d\u2019achat<\/strong> (preset ou valeur modifi\u00e9e)<\/p><\/li><li data-start=\"21634\" data-end=\"21697\"><p data-start=\"21636\" data-end=\"21697\"><strong data-start=\"21636\" data-end=\"21665\">Fonds propres n\u00e9cessaires<\/strong> <em data-start=\"21666\" data-end=\"21697\">(prix + taxes \u2212 pr\u00eat utilis\u00e9)<\/em><\/p><\/li><\/ul><blockquote data-start=\"21699\" data-end=\"21845\"><p data-start=\"21701\" data-end=\"21845\">Astuce : comparez <strong data-start=\"21719\" data-end=\"21733\">sans bonus<\/strong> et <strong data-start=\"21737\" data-end=\"21751\">avec bonus<\/strong>. Un nominal plus bas n\u2019est pas toujours le moins cher si les <strong data-start=\"21813\" data-end=\"21825\">produits<\/strong> ajoutent des co\u00fbts.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-bd6f0e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd6f0e2\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c3ccec\" data-id=\"1c3ccec\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-07f4152 elementor-widget elementor-widget-heading\" data-id=\"07f4152\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fixe ou variable : que choisir ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b7f6ddc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b7f6ddc\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31167c5\" data-id=\"31167c5\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c0fb9c elementor-widget elementor-widget-text-editor\" data-id=\"3c0fb9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"21889\" data-end=\"21934\"><p data-start=\"21891\" data-end=\"21934\"><strong data-start=\"21891\" data-end=\"21899\">Fixe<\/strong> : vous achetez la <strong data-start=\"21918\" data-end=\"21931\">stabilit\u00e9<\/strong>.<\/p><\/li><li data-start=\"21935\" data-end=\"22248\"><p data-start=\"21937\" data-end=\"22248\"><strong data-start=\"21937\" data-end=\"21949\">Variable<\/strong> : index\u00e9 sur <strong data-start=\"21963\" data-end=\"21976\">l\u2019Euribor<\/strong>. Cette version LITE vous permet de <strong data-start=\"22012\" data-end=\"22032\">r\u00e9gler l\u2019Euribor<\/strong> manuellement ; elle ne simule pas les r\u00e9visions p\u00e9riodiques automatiques.<br data-start=\"22106\" data-end=\"22109\" \/>Besoin de sc\u00e9narios de <strong data-start=\"22132\" data-end=\"22154\">r\u00e9vision 6\/12 mois<\/strong> et de tests de sensibilit\u00e9 ? Nous proposons une <strong data-start=\"22203\" data-end=\"22218\">version PRO<\/strong> avec calendrier de r\u00e9visions.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-31ab0de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31ab0de\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7cab082\" data-id=\"7cab082\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c91d609 elementor-widget elementor-widget-html\" data-id=\"c91d609\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\nCALCULATRICE HYPOTH\u00c9CAIRE LITE \u2014 COMPATIBLE ELEMENTOR (v3 FR avec LTV, fonds propres & presets C. Valencienne)\n\u2022 Collez tout ce bloc dans un widget HTML d\u2019Elementor.\n\u2022 Aucune d\u00e9pendance externe. Pas d\u2019ES6.\n\u2022 Styles\/IDs pr\u00e9fix\u00e9s aoc-mcalc pour \u00e9viter les conflits th\u00e8me\/plugins.\n-->\n<div id=\"aoc-mcalc-1\" class=\"aoc-mcalc\">\n  <style>\n    \/* \u2014\u2014 Styles minimaux et isol\u00e9s \u2014\u2014 *\/\n    .aoc-mcalc{font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,\"Helvetica Neue\",Arial; max-width:980px; margin:0 auto; background:#00544D; padding:8px; border-radius:14px}\n    .aoc-mcalc *{box-sizing:border-box}\n    \/* Forcer le texte en blanc (\u00e9vite les overrides du th\u00e8me\/Elementor) *\/\n    .aoc-mcalc, .aoc-mcalc * { color:#ffffff !important; }\n    .aoc-mcalc a { color:#ffffff !important; }\n    .aoc-mcalc input::placeholder, .aoc-mcalc textarea::placeholder { color:#ffffff; opacity:.8; }\n    .aoc-mcalc input::-webkit-input-placeholder{ color:#ffffff; opacity:.8; }\n    .aoc-mcalc input:-ms-input-placeholder{ color:#ffffff; }\n    .aoc-mcalc input::-ms-input-placeholder{ color:#ffffff; }\n\n    .aoc-mcalc .aoc-card{background:#00544D;border:1px solid rgba(255,255,255,.25);border-radius:14px;padding:16px}\n    .aoc-mcalc h2{margin:0 0 10px;font-size:20px}\n    .aoc-mcalc label{display:block;font-size:13px;margin:8px 0 6px}\n    .aoc-mcalc input,.aoc-mcalc select{width:100%;padding:10px 12px;border-radius:10px;border:1px solid rgba(255,255,255,.35);background:#00453F}\n    .aoc-mcalc select option{ background:#00453F; color:#ffffff; }\n    .aoc-mcalc .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}\n    .aoc-mcalc .row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}\n    .aoc-mcalc .cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}\n    .aoc-mcalc button{cursor:pointer;border-radius:10px;border:1px solid rgba(255,255,255,.4);background:transparent;padding:10px 14px}\n    .aoc-mcalc button.primary{background:#007c72;border-color:#007c72}\n    .aoc-mcalc .kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}\n    .aoc-mcalc .kpi{background:#00453F;border:1px solid rgba(255,255,255,.25);border-radius:12px;padding:12px}\n    .aoc-mcalc .kpi h3{margin:0 0 4px;font-size:12px}\n    .aoc-mcalc .kpi div{font-size:18px}\n    .aoc-mcalc table{width:100%;border-collapse:collapse;border-spacing:0;margin-top:8px}\n    .aoc-mcalc th,.aoc-mcalc td{border-bottom:1px solid rgba(255,255,255,.25);padding:8px;text-align:right}\n    .aoc-mcalc th:first-child,.aoc-mcalc td:first-child{text-align:left}\n    .aoc-mcalc .muted{font-size:12px}\n    .aoc-mcalc .note{font-size:12px;margin-top:6px}\n    .aoc-mcalc .warn{font-size:12px;margin-top:6px;border:1px dashed rgba(255,255,255,.5);padding:8px;border-radius:10px}\n    .aoc-mcalc .hide{display:none}\n    @media (max-width: 900px){\n      .aoc-mcalc .row,.aoc-mcalc .row3{grid-template-columns:1fr}\n      .aoc-mcalc .kpis{grid-template-columns:1fr 1fr}\n    }\n    @media (max-width: 520px){\n      .aoc-mcalc .kpis{grid-template-columns:1fr}\n    }\n  <\/style>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>Calculatrice Pr\u00eat Immobilier (Espagne) \u2013 (m\u00e9thode de  fran\u00e7aise)<\/h2>\n    <p class=\"muted\" style=\"color:#ffffff !important\">Mensualit\u00e9, TAE (APR) estim\u00e9e, int\u00e9r\u00eats totaux et co\u00fbt global. Inclut frais de dossier, co\u00fbts initiaux et <strong>estimation des fonds propres<\/strong> selon LTV par r\u00e9sidence. <strong>Pr\u00e9r\u00e9glages Communaut\u00e9 Valencienne<\/strong> (\u00e9ditables).<\/p>\n  <\/div>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>Donn\u00e9es d\u2019achat & politique LTV<\/h2>\n    <div class=\"row3\">\n      <div>\n        <label>Prix d\u2019achat (\u20ac)<\/label>\n        <input id=\"aoc_price\" type=\"number\" step=\"1000\" min=\"0\" placeholder=\"p.ex., 225000\">\n      <\/div>\n      <div>\n        <label>Valeur d\u2019expertise (\u20ac)<\/label>\n        <input id=\"aoc_appraise\" type=\"number\" step=\"1000\" min=\"0\" placeholder=\"p.ex., 230000\">\n      <\/div>\n      <div>\n        <label>Base LTV<\/label>\n        <select id=\"aoc_ltv_base\">\n          <option value=\"tasacion\">Expertise<\/option>\n          <option value=\"menor\">Inf\u00e9rieur de (prix, expertise)<\/option>\n        <\/select>\n      <\/div>\n    <\/div>\n    <div class=\"row3\">\n      <div>\n        <label>R\u00e9sidence<\/label>\n        <select id=\"aoc_residency\">\n          <option value=\"res\">R\u00e9sident (80 %)<\/option>\n          <option value=\"nres\">Non-r\u00e9sident (70 %)<\/option>\n          <option value=\"custom\">Personnalis\u00e9<\/option>\n        <\/select>\n      <\/div>\n      <div>\n        <label>LTV (%)<\/label>\n        <input id=\"aoc_ltv_pct\" type=\"number\" step=\"1\" value=\"80\">\n      <\/div>\n      <div>\n        <label>Communaut\u00e9 Autonome (presets)<\/label>\n        <select id=\"aoc_region\">\n          <option value=\"cv\" selected>Communaut\u00e9 Valencienne (par d\u00e9faut)<\/option>\n          <option value=\"otra\">Autre CCAA (\u00e9dition manuelle)<\/option>\n        <\/select>\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Type de bien<\/label>\n        <select id=\"aoc_property_type\">\n          <option value=\"resale\" selected>Seconde main (ITP)<\/option>\n          <option value=\"new\">Neuf (TVA + AJD)<\/option>\n        <\/select>\n      <\/div>\n      <div>\n        <label>Taxes + frais d\u2019achat (%)<\/label>\n        <input id=\"aoc_tax_pct\" type=\"number\" step=\"0.1\" value=\"12.0\">\n        <div class=\"note\">Preset CV : Seconde main ~12 % (ITP + frais). Neuf ~11,5 % (TVA 10 % + AJD 1,5 %). Modifiable.<\/div>\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Montant de pr\u00eat demand\u00e9 (\u20ac)<\/label>\n        <input id=\"aoc_loan\" type=\"number\" step=\"1000\" min=\"1000\" value=\"180000\">\n      <\/div>\n      <div>\n        <label>&nbsp;<\/label>\n        <div class=\"note\">Si la demande > max LTV, la calculatrice limite le pr\u00eat utilis\u00e9 au maximum autoris\u00e9.<\/div>\n      <\/div>\n    <\/div>\n    <div class=\"warn\" id=\"aoc_ltv_warn\" style=\"display:none\"><\/div>\n  <\/div>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>Param\u00e8tres financiers<\/h2>\n    <div class=\"row\">\n      <div>\n        <label>Dur\u00e9e (ann\u00e9es)<\/label>\n        <input id=\"aoc_years\" type=\"number\" step=\"1\" min=\"1\" max=\"40\" value=\"30\">\n      <\/div>\n      <div>\n        <label>Type d\u2019int\u00e9r\u00eat<\/label>\n        <select id=\"aoc_rate_mode\">\n          <option value=\"fixed\">Fixe (nominal annuel)<\/option>\n          <option value=\"variable\">Variable (Euribor + marge)<\/option>\n        <\/select>\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div id=\"aoc_fixed_box\">\n        <label>Taux nominal fixe (%)<\/label>\n        <input id=\"aoc_tin\" type=\"number\" step=\"0.05\" value=\"3.50\">\n      <\/div>\n      <div id=\"aoc_var_box\" class=\"hide\">\n        <label>Euribor 12 m (%) & Marge (%)<\/label>\n        <div class=\"row\">\n          <input id=\"aoc_eur\" type=\"number\" step=\"0.05\" value=\"2.50\">\n          <input id=\"aoc_spread\" type=\"number\" step=\"0.05\" value=\"1.20\">\n        <\/div>\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Frais de dossier (%)<\/label>\n        <input id=\"aoc_open_pct\" type=\"number\" step=\"0.05\" value=\"0.50\">\n      <\/div>\n      <div>\n        <label>Frais minimum (\u20ac)<\/label>\n        <input id=\"aoc_open_min\" type=\"number\" step=\"50\" value=\"0\">\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Co\u00fbts initiaux fixes (\u20ac) <span class=\"muted\">expertise\/agence<\/span><\/label>\n        <input id=\"aoc_upfront\" type=\"number\" step=\"50\" value=\"600\">\n      <\/div>\n      <div>\n        <label>Co\u00fbts mensuels des produits (\u20ac) <span class=\"muted\">assurance, compte\u2026<\/span><\/label>\n        <input id=\"aoc_monthly_cost\" type=\"number\" step=\"1\" value=\"0\">\n      <\/div>\n    <\/div>\n    <div class=\"row\">\n      <div>\n        <label>Remise (bonus) en points sur nominal<\/label>\n        <input id=\"aoc_bonus_pp\" type=\"number\" step=\"0.05\" value=\"0.00\">\n        <div class=\"note\">Ex. : salaire + assurances \u2193 0,60 point \u2192 saisir 0.60<\/div>\n      <\/div>\n      <div>\n        <label>Plancher nominal (%)<\/label>\n        <input id=\"aoc_min_tin\" type=\"number\" step=\"0.05\" value=\"0.50\">\n      <\/div>\n    <\/div>\n    <div class=\"cta\">\n      <button class=\"primary\" id=\"aoc_calc\">Calculer<\/button>\n      <button id=\"aoc_toggle_table\">Afficher\/Masquer tableau (1re ann\u00e9e)<\/button>\n      <button id=\"aoc_run_tests\" title=\"Tests rapides\">Tests<\/button>\n    <\/div>\n  <\/div>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>R\u00e9sultats financiers<\/h2>\n    <div class=\"kpis\">\n      <div class=\"kpi\"><h3>Mensualit\u00e9 estim\u00e9e<\/h3><div id=\"aoc_kpi_cuota\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>TAE (APR) estim\u00e9e<\/h3><div id=\"aoc_kpi_tae\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>Int\u00e9r\u00eats totaux<\/h3><div id=\"aoc_kpi_interest\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>Co\u00fbt total du pr\u00eat<\/h3><div id=\"aoc_kpi_total\">\u2014<\/div><\/div>\n    <\/div>\n    <div class=\"note\">La TAE est approch\u00e9e via l\u2019IRR mensuel en consid\u00e9rant le d\u00e9caissement net initial et les paiements (mensualit\u00e9 + produits). Indicatif, non contractuel.<\/div>\n  <\/div>\n\n  <div class=\"aoc-card\" style=\"margin-bottom:12px\">\n    <h2>Fonds propres & LTV<\/h2>\n    <div class=\"kpis\">\n      <div class=\"kpi\"><h3>Valeur de base LTV<\/h3><div id=\"aoc_kpi_base\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>LTV appliqu\u00e9<\/h3><div id=\"aoc_kpi_ltv\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>Pr\u00eat max autoris\u00e9<\/h3><div id=\"aoc_kpi_maxloan\">\u2014<\/div><\/div>\n      <div class=\"kpi\"><h3>Pr\u00eat utilis\u00e9<\/h3><div id=\"aoc_kpi_usedloan\">\u2014<\/div><\/div>\n    <\/div>\n    <div class=\"row\">\n      <div class=\"kpi\" style=\"width:100%\"><h3>Taxes estim\u00e9es<\/h3><div id=\"aoc_kpi_taxes\">\u2014<\/div><\/div>\n      <div class=\"kpi\" style=\"width:100%\"><h3>Fonds propres estim\u00e9s<\/h3><div id=\"aoc_kpi_own\">\u2014<\/div><\/div>\n    <\/div>\n  <\/div>\n\n  <div id=\"aoc_table_card\" class=\"aoc-card hide\">\n    <h2>Tableau d\u2019amortissement (1re ann\u00e9e)<\/h2>\n    <table>\n      <thead><tr><th>Mois<\/th><th>Mensualit\u00e9<\/th><th>Int\u00e9r\u00eats<\/th><th>Amortissement<\/th><th>Solde<\/th><\/tr><\/thead>\n      <tbody id=\"aoc_tbody\"><\/tbody>\n    <\/table>\n  <\/div>\n\n  <div id=\"aoc_tests_card\" class=\"aoc-card hide\">\n    <h2>R\u00e9sultats des tests<\/h2>\n    <pre id=\"aoc_testlog\" style=\"white-space:pre-wrap\"><\/pre>\n  <\/div>\n\n  <script>\n  (function(){\n    \/\/ \u2014\u2014 Utilitaires \u2014\u2014\n    function $(id){ return document.getElementById(id); }\n    function euro(x){ try{ return new Intl.NumberFormat('fr-FR',{style:'currency',currency:'EUR'}).format(x); } catch(e){ return (Number(x).toFixed(2)+' \u20ac'); } }\n    function annuity(P, i_m, n){ if(i_m===0){return P\/n;} var f=Math.pow(1+i_m,n); return P*i_m*f\/(f-1); }\n    function schedule(P, i_m, n){ var out=[], bal=P, c=annuity(P,i_m,n), k, it, am; for(k=1;k<=n;k++){ it=bal*i_m; am=c-it; bal=Math.max(0, bal-am); out.push({m:k,c:c,i:it,a:am,s:bal}); } return out; }\n    function irrMonthly(cflows){ var low=-0.99, high=1.0, mid, k, fLow=npv(low), fHigh=npv(high), fMid; if(fLow*fHigh>0){ return NaN; } for(k=0;k<120;k++){ mid=(low+high)\/2; fMid=npv(mid); if(Math.abs(fMid)<1e-7){ return mid; } if(fLow*fMid<0){ high=mid; fHigh=fMid; } else { low=mid; fLow=fMid; } } return (low+high)\/2; function npv(r){ var s=0, t; for(t=0;t<cflows.length;t++){ s += cflows[t]\/Math.pow(1+r,t); } return s; } }\n\n    \/\/ \u2014\u2014 Presets taxes \u2014\u2014\n    \/\/ C. Valencienne : Seconde main ~12 % (ITP + frais) ; Neuf ~11,5 % (TVA 10 % + AJD 1,5 %).\n    \/\/ Autre CCAA : pas de changement auto \u2014 \u00e9dition manuelle.\n    var manualTaxOverride = false;\n    function applyRegionPreset(){\n      var region = $('aoc_region').value;\n      var ptype  = $('aoc_property_type').value; \/\/ 'resale'|'new'\n      if(region === 'cv' && !manualTaxOverride){\n        var v = (ptype==='resale')? 12.0 : 11.5;\n        $('aoc_tax_pct').value = v.toFixed(1);\n      }\n    }\n\n    \/\/ \u2014\u2014 \u00c9l\u00e9ments \u2014\u2014 \n    var residency=$('aoc_residency'); var ltvPctInput=$('aoc_ltv_pct'); var ltvBaseSel=$('aoc_ltv_base');\n    var rateMode=$('aoc_rate_mode'); var fixedBox=$('aoc_fixed_box'); var varBox=$('aoc_var_box');\n\n    residency.addEventListener('change', function(){\n      if(residency.value==='res'){ ltvPctInput.value=80; }\n      else if(residency.value==='nres'){ ltvPctInput.value=70; }\n    });\n\n    rateMode.addEventListener('change', function(){\n      if(rateMode.value==='variable'){ fixedBox.classList.add('hide'); varBox.classList.remove('hide'); }\n      else{ varBox.classList.add('hide'); fixedBox.classList.remove('hide'); }\n    });\n\n    $('aoc_region').addEventListener('change', function(){ manualTaxOverride=false; applyRegionPreset(); });\n    $('aoc_property_type').addEventListener('change', function(){ applyRegionPreset(); });\n    $('aoc_tax_pct').addEventListener('input', function(){ manualTaxOverride=true; });\n\n    $('aoc_toggle_table').addEventListener('click', function(e){ e.preventDefault(); $('aoc_table_card').classList.toggle('hide'); });\n    $('aoc_calc').addEventListener('click', function(e){ e.preventDefault(); compute(); });\n\n    \/\/ Appliquer le preset initial (CV)\n    applyRegionPreset();\n\n    function compute(){\n      \/\/ \u2014\u2014 Entr\u00e9es \u2014\u2014 \n      var price = parseFloat(($('aoc_price').value||'0'));\n      var appraise = parseFloat(($('aoc_appraise').value||'0'));\n      var ltvBase = $('aoc_ltv_base').value; \/\/ 'tasacion' | 'menor'\n      var ltvPct = parseFloat(($('aoc_ltv_pct').value||'0'))\/100;\n      var P_req = parseFloat(($('aoc_loan').value||'0'));\n      var years = parseInt(($('aoc_years').value||'0'),10);\n      var n = years*12;\n\n      var openPct = parseFloat(($('aoc_open_pct').value||'0'))\/100;\n      var openMin = parseFloat(($('aoc_open_min').value||'0'));\n      var upfront = parseFloat(($('aoc_upfront').value||'0'));\n      var monthlyCost = parseFloat(($('aoc_monthly_cost').value||'0'));\n      var bonusPP = parseFloat(($('aoc_bonus_pp').value||'0'));\n      var minTin = parseFloat(($('aoc_min_tin').value||'0'));\n      var taxPct = parseFloat(($('aoc_tax_pct').value||'0'))\/100;\n\n      if(!(n>0)){ alert('V\u00e9rifiez la dur\u00e9e (ann\u00e9es).'); return; }\n\n      \/\/ \u2014\u2014 Valeur de base LTV \u2014\u2014 \n      var baseVal = 0;\n      if(ltvBase==='tasacion'){\n        baseVal = appraise>0? appraise : price;\n      } else {\n        if(price>0 && appraise>0){ baseVal = Math.min(price, appraise); }\n        else { baseVal = (price||0) + (appraise||0); if(baseVal>0){ baseVal = (price>0?price:appraise); } }\n      }\n\n      \/\/ \u2014\u2014 Pr\u00eat max par LTV \u2014\u2014 \n      var maxLoan = baseVal * ltvPct;\n      var warning = '';\n      if(P_req>maxLoan && maxLoan>0){ warning = 'Le pr\u00eat demand\u00e9 d\u00e9passe le maximum LTV. Utilisation du maximum ('+euro(maxLoan)+').'; }\n      $('aoc_ltv_warn').style.display = warning? 'block':'none';\n      $('aoc_ltv_warn').innerHTML = warning;\n\n      var P = (maxLoan>0)? Math.min(P_req, maxLoan) : P_req;\n      if(!(P>0)){ alert('Saisissez un montant de pr\u00eat valide.'); return; }\n\n      \/\/ \u2014\u2014 Taux nominal effectif \u2014\u2014 \n      var baseTin;\n      if(rateMode.value==='variable'){\n        var eur = parseFloat(($('aoc_eur').value||'0'));\n        var sp  = parseFloat(($('aoc_spread').value||'0'));\n        baseTin = eur + sp;\n      } else {\n        baseTin = parseFloat(($('aoc_tin').value||'0'));\n      }\n      var effTin = baseTin - (isNaN(bonusPP)?0:bonusPP); if(effTin<minTin){ effTin=minTin; }\n\n      \/\/ \u2014\u2014 Mensualit\u00e9, int\u00e9r\u00eats, TAE \u2014\u2014 \n      var i_m = (effTin\/100)\/12;\n      var c = annuity(P, i_m, n);\n      var sch = schedule(P, i_m, n);\n      var interests = 0, idx; for(idx=0; idx<sch.length; idx++){ interests += sch[idx].i; }\n      var openFee = Math.max(openMin, openPct * P);\n      var cfs=[ P - openFee - upfront ]; for(idx=1; idx<=n; idx++){ cfs.push( -(c + monthlyCost) ); }\n      var r_m = irrMonthly(cfs); var tae = isNaN(r_m)? NaN : (Math.pow(1+r_m,12)-1);\n\n      \/\/ \u2014\u2014 Taxes & fonds propres \u2014\u2014 \n      var taxes = (price>0)? price * taxPct : 0;\n      var own = (price>0)? Math.max(0, price + taxes - P) : 0;\n      var ltvUsed = (baseVal>0)? (P\/baseVal*100) : 0;\n\n      \/\/ \u2014\u2014 KPIs \u2014\u2014 \n      $('aoc_kpi_cuota').innerHTML = euro(c + monthlyCost);\n      $('aoc_kpi_tae').innerHTML   = isNaN(tae)? '\u2014' : ( (tae*100).toFixed(2) + '%');\n      $('aoc_kpi_interest').innerHTML = euro(interests);\n      $('aoc_kpi_total').innerHTML = euro(P + interests + openFee + upfront + monthlyCost*n);\n\n      $('aoc_kpi_base').innerHTML = baseVal>0? euro(baseVal): '\u2014';\n      $('aoc_kpi_ltv').innerHTML = (ltvUsed>0)? ltvUsed.toFixed(1)+'%' : '\u2014';\n      $('aoc_kpi_maxloan').innerHTML = (maxLoan>0)? euro(maxLoan) : '\u2014';\n      $('aoc_kpi_usedloan').innerHTML = euro(P);\n\n      $('aoc_kpi_taxes').innerHTML = (taxes>0)? euro(taxes) : '\u2014';\n      $('aoc_kpi_own').innerHTML = (price>0)? euro(own) : '\u2014';\n\n      \/\/ \u2014\u2014 Tableau (1re ann\u00e9e) \u2014\u2014 \n      var tb=$('aoc_tbody'); if(tb){ tb.innerHTML=''; var first=sch.slice(0,12); for(idx=0; idx<first.length; idx++){ var r=first[idx]; var tr=document.createElement('tr'); tr.innerHTML='<td>'+r.m+'<\/td><td>'+euro(r.c)+'<\/td><td>'+euro(r.i)+'<\/td><td>'+euro(r.a)+'<\/td><td>'+euro(r.s)+'<\/td>'; tb.appendChild(tr);} }\n    }\n\n    \/\/ \u2014\u2014 Tests rapides \u2014\u2014 \n    function logTest(arr, name, ok, extra){ arr.push((ok?'\u2705 ':'\u274c ') + name + (extra?(' \u2014 '+extra):'')); }\n    function approx(a,b,t){ return Math.abs(a-b) <= (t||0.6); }\n    $('aoc_run_tests').addEventListener('click', function(e){\n      e.preventDefault();\n      var out=[];\n      \/\/ Test 1 : 100k, 3 %, 30 ans \u2248 421,60 \u20ac\/mois\n      var P=100000, im=(3\/100)\/12, n=360; var c=annuity(P,im,n); logTest(out,'Mensualit\u00e9 100k@3%\/30a', approx(c,421.60), 'calc='+c.toFixed(2));\n      \/\/ Test 2 : 0 % \u2192 mensualit\u00e9 = capital\/n\n      var c2=annuity(12000,0,12); logTest(out,'Mensualit\u00e9 12k@0%\/12m', c2===1000, 'calc='+c2.toFixed(2));\n      \/\/ Test 3 : IRR mensuelle \u2248 i_m avec 421,60\n      var cfs=[P]; var k; for(k=1;k<=n;k++){ cfs.push(-421.60); } var irr=irrMonthly(cfs); logTest(out,'IRR mensuelle \u2248 i_m', Math.abs(irr-im)<1e-3, 'irr='+(irr*100).toFixed(3)+'%');\n      \/\/ Test 4 : Preset CV seconde main \u2192 12,0 %\n      document.getElementById('aoc_region').value='cv'; document.getElementById('aoc_property_type').value='resale'; manualTaxOverride=false; applyRegionPreset();\n      var tcv = document.getElementById('aoc_tax_pct').value; logTest(out,'Preset CV 2nde main', tcv==='12.0' || tcv==='12', 'tax='+tcv);\n      \/\/ Test 5 : Preset CV neuf \u2192 11,5 %\n      document.getElementById('aoc_property_type').value='new'; manualTaxOverride=false; applyRegionPreset();\n      var tcvn = document.getElementById('aoc_tax_pct').value; logTest(out,'Preset CV neuf', tcvn==='11.5', 'tax='+tcvn);\n      \/\/ Test 6 : Format \u20ac\n      var f=euro(1234.56); logTest(out,'Format monnaie', f.indexOf('\u20ac')>-1 || \/\\d\/.test(f), f);\n      document.getElementById('aoc_tests_card').classList.remove('hide');\n      document.getElementById('aoc_testlog').textContent = out.join('\\n');\n    });\n\n  })();\n  <\/script>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-242002d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"242002d\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-05654b0\" data-id=\"05654b0\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9008b63 elementor-widget elementor-widget-heading\" data-id=\"9008b63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pour qui est-ce utile ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-40edbab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"40edbab\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-529e289\" data-id=\"529e289\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8782582 elementor-widget elementor-widget-text-editor\" data-id=\"8782582\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"22283\" data-end=\"22379\"><p data-start=\"22285\" data-end=\"22379\"><strong data-start=\"22285\" data-end=\"22315\">R\u00e9sidents et non-r\u00e9sidents<\/strong> achetant \u00e0 <strong data-start=\"22327\" data-end=\"22356\">Orihuela Costa (Alicante)<\/strong> et dans la province.<\/p><\/li><li data-start=\"22380\" data-end=\"22467\"><p data-start=\"22382\" data-end=\"22467\"><strong data-start=\"22382\" data-end=\"22410\">Acheteurs internationaux<\/strong> (accompagnement en <strong data-start=\"22430\" data-end=\"22463\">espagnol, anglais et fran\u00e7ais<\/strong>).<\/p><\/li><li data-start=\"22468\" data-end=\"22569\"><p data-start=\"22470\" data-end=\"22569\"><strong data-start=\"22470\" data-end=\"22498\">Ind\u00e9pendants et soci\u00e9t\u00e9s<\/strong> comparant les offres avec de vrais crit\u00e8res <strong data-start=\"22543\" data-end=\"22568\">financiers et fiscaux<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-06f842b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"06f842b\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e4ba5f\" data-id=\"2e4ba5f\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a26c776 elementor-widget elementor-widget-heading\" data-id=\"a26c776\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4a68d7e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a68d7e\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f02db1\" data-id=\"7f02db1\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6f169f elementor-widget elementor-widget-text-editor\" data-id=\"d6f169f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"22584\" data-end=\"22763\"><strong data-start=\"22584\" data-end=\"22610\">Qu\u2019est-ce que le LTV ?<\/strong><br data-start=\"22610\" data-end=\"22613\" \/>Le <strong data-start=\"22616\" data-end=\"22633\">Loan-to-Value<\/strong> est le pr\u00eat divis\u00e9 par la valeur de r\u00e9f\u00e9rence (expertise ou <strong data-start=\"22694\" data-end=\"22728\">inf\u00e9rieur de prix et expertise<\/strong>, selon la banque), en pourcentage.<\/p><p data-start=\"22765\" data-end=\"22930\"><strong data-start=\"22765\" data-end=\"22805\">Combien la banque peut-elle pr\u00eater ?<\/strong><br data-start=\"22805\" data-end=\"22808\" \/>En g\u00e9n\u00e9ral jusqu\u2019\u00e0 <strong data-start=\"22827\" data-end=\"22854\">80 % pour les r\u00e9sidents<\/strong> et <strong data-start=\"22858\" data-end=\"22889\">70 % pour les non-r\u00e9sidents<\/strong>. Le pourcentage est <strong data-start=\"22910\" data-end=\"22929\">personnalisable<\/strong>.<\/p><p data-start=\"22932\" data-end=\"23147\"><strong data-start=\"22932\" data-end=\"22975\">Les taxes d\u2019achat sont-elles incluses ?<\/strong><br data-start=\"22975\" data-end=\"22978\" \/>Oui. La calculatrice propose des <strong data-start=\"23011\" data-end=\"23045\">presets pour la C. Valencienne<\/strong> (~12 % seconde main ; ~11,5 % neuf). Vous pouvez <strong data-start=\"23095\" data-end=\"23107\">modifier<\/strong> le pourcentage pour toute autre r\u00e9gion.<\/p><p data-start=\"23149\" data-end=\"23316\"><strong data-start=\"23149\" data-end=\"23191\">Quel mode de calcul de la mensualit\u00e9 ?<\/strong><br data-start=\"23191\" data-end=\"23194\" \/>La <strong data-start=\"23197\" data-end=\"23218\">m\u00e9thode fran\u00e7aise<\/strong> (annuit\u00e9 constante). La TAE est approch\u00e9e via <strong data-start=\"23265\" data-end=\"23280\">IRR mensuel<\/strong> en incluant frais et produits li\u00e9s.<\/p><p data-start=\"23318\" data-end=\"23466\"><strong data-start=\"23318\" data-end=\"23354\">Est-ce une offre contractuelle ?<\/strong><br data-start=\"23354\" data-end=\"23357\" \/>Non. C\u2019est une <strong data-start=\"23372\" data-end=\"23397\">simulation indicative<\/strong>. Les conditions finales d\u00e9pendent de l\u2019\u00e9tude de risque de la banque.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b0cd73a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b0cd73a\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cfd7255\" data-id=\"cfd7255\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1da2c3 elementor-widget elementor-widget-heading\" data-id=\"a1da2c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Besoin d\u2019une \u00e9tude personnalis\u00e9e ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e58150e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e58150e\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-898ab4d\" data-id=\"898ab4d\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8babebb elementor-widget elementor-widget-text-editor\" data-id=\"8babebb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Chez Asesor\u00eda Orihuela Costa, nous recommandons l&rsquo;experte en cr\u00e9dit hypoth\u00e9caire et en pr\u00eats <strong>Karine<\/strong> qui parle fran\u00e7ais de la soci\u00e9t\u00e9 <a href=\"https:\/\/vivahomecredit.com\/fr\/?ved=2ahUKEwiK5KyNmc6NAxUBTaQEHUPxHPcQgU96BAguEA0\" target=\"_blank\" rel=\"noopener\">Viva Home Credit<\/a><\/p><p>Il vous pr\u00e9parera un rapport comparatif (plusieurs entit\u00e9s), en optimisant le TAEG et le co\u00fbt total avec ou sans bonus, et nous coordonnerons la fiscalit\u00e9 de l&rsquo;op\u00e9ration (r\u00e9sidents et non-r\u00e9sidents).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-72c3dae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72c3dae\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f019cd\" data-id=\"1f019cd\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap\">\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5c54ae5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c54ae5\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f94ac6\" data-id=\"7f94ac6\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab4757d elementor-widget elementor-widget-heading\" data-id=\"ab4757d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Avertissement\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4cd7af2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4cd7af2\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-adcb313\" data-id=\"adcb313\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d957e57 elementor-widget elementor-widget-text-editor\" data-id=\"d957e57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Asesoria Orihuela Costa n&rsquo;est pas une agence de conseil financier, mais oui, nous vous fournissons cet outil que nous avons est tr\u00e8s complet pour calculer et comparer les hypoth\u00e8ques de votre maison.<\/p><p>Les pr\u00e9r\u00e9glages fiscaux sont indicatifs. V\u00e9rifiez toujours avec la r\u00e9glementation en vigueur et l&rsquo;offre de la banque\/notaire.<\/p><p>Cet outil n&rsquo;est qu&rsquo;informatif. V\u00e9rifiez les chiffres avec votre entit\u00e9 avant de contracter.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Vous achetez en Espagne et voulez savoir combien vous paierez r\u00e9ellement \u2014 et combien d\u2019\u00e9pargne vous devez apporter ? Notre calculatrice de pr\u00eat immobilier en Espagne vous pouvez estimez votre mensualit\u00e9, la TAE , les int\u00e9r\u00eats totaux et le co\u00fbt global du pr\u00eat, et calcule aussi votre pr\u00eat maximum selon le LTV (80 % r\u00e9sidents [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":46315,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","inline_featured_image":false,"footnotes":""},"categories":[46],"tags":[],"class_list":["post-46358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"featured_image_src":{"landsacpe":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/10\/calculadora-hipoteca-1140x445.webp",1140,445,true],"list":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/10\/calculadora-hipoteca-463x348.webp",463,348,true],"medium":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/10\/calculadora-hipoteca-300x169.webp",300,169,true],"full":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/10\/calculadora-hipoteca.webp",1920,1080,false]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Calculatrice pr\u00eat immobilier en Espagne: TAE et fonds propres - Asesor\u00eda Orihuela Costa<\/title>\n<meta name=\"description\" content=\"Calculez mensualit\u00e9, TAE et co\u00fbt total. 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