{"id":100087,"date":"2026-02-17T08:34:52","date_gmt":"2026-02-17T07:34:52","guid":{"rendered":"https:\/\/www.fotocasa.es\/fotocasa-life\/?p=100087"},"modified":"2026-02-17T08:34:52","modified_gmt":"2026-02-17T07:34:52","slug":"hypotheque-espagne-non-resident","status":"publish","type":"post","link":"https:\/\/www.fotocasa.es\/fotocasa-life\/acheter\/hypotheque-espagne-non-resident\/?lang=fr","title":{"rendered":"Conditions pour demander un pr\u00eat immobilier en Espagne depuis l\u2019\u00e9tranger"},"content":{"rendered":"<p data-start=\"72\" data-end=\"307\"><a href=\"https:\/\/www.fotocasa.es\/fotocasa-life\/acheter\/acheter-maison-en-espagne-etranger-non-resident\/?lang=fr\">Acheter un logement en Espagne<\/a> en vivant \u00e0 l\u2019\u00e9tranger est possible (et assez courant), mais la cl\u00e9 consiste \u00e0 comprendre deux choses : <strong>ce que la banque nous demandera pour nous accorder un pr\u00eat immobilier<\/strong> et <strong>quelles d\u00e9marches de la transaction nous pouvons effectuer \u00e0 distance<\/strong>.<\/p>\n<p data-start=\"309\" data-end=\"541\">Chez Fotocasa, nous l\u2019analysons \u00e9tape par \u00e9tape afin que nous sachions clairement <strong>ce dont nous avons besoin<\/strong>, <strong>quand nous devrons venir (ou non)<\/strong> et <strong>pourquoi, en r\u00e8gle g\u00e9n\u00e9rale, nous ne pouvons pas le financer avec un pr\u00eat immobilier de notre pays<\/strong>.<\/p>\n<p data-start=\"309\" data-end=\"541\"><section class=\"mini-posts\"><div class=\"row align-items-center\"><div class=\"col-4 col-md-3 pt-2 pb-2\"><div class=\"mini-posts__image\"><a href=\"https:\/\/www.fotocasa.es\/fotocasa-life\/acheter\/combien-coute-lachat-dune-maison-en-espagne\/?lang=fr\"><img decoding=\"async\" src=\"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-content\/uploads\/2020\/01\/Combien-coute-lachat-dune-maison-en-Espagne-355x230.png\" alt=\"Combien co\u00fbte l&#039;achat d&#039;une maison en Espagne? [2026]\" title=\"-\"><\/a><\/div><\/div><div class=\"col-8 col-md-9 pt-2 pb-2\"><h3 class=\"mini-posts__title\"><a href=\"https:\/\/www.fotocasa.es\/fotocasa-life\/acheter\/combien-coute-lachat-dune-maison-en-espagne\/?lang=fr\">Combien co\u00fbte l&#039;achat d&#039;une maison en Espagne? [2026]<\/a><\/h3><\/div><\/div><\/section><\/p>\n<p data-start=\"309\" data-end=\"541\"><!--more--><\/p>\n<h2 data-start=\"902\" data-end=\"977\">Premi\u00e8re \u00e9tape : que signifie \u00ab vivre \u00e0 l\u2019\u00e9tranger \u00bb aux yeux d\u2019un pr\u00eat immobilier<\/h2>\n<p data-start=\"979\" data-end=\"1032\">Est consid\u00e9r\u00e9e comme <strong>non-r\u00e9sidente<\/strong> toute personne qui <strong>n\u2019a pas s\u00e9journ\u00e9 en Espagne plus de 183 jours<\/strong> au cours d\u2019une ann\u00e9e civile et <strong>n\u2019y a pas sa r\u00e9sidence fiscale<\/strong>. Cela implique que, m\u00eame si nous avons la nationalit\u00e9 espagnole, si nous payons nos imp\u00f4ts \u00e0 l\u2019\u00e9tranger, <strong>nous ne pourrons pas demander un pr\u00eat immobilier \u00ab traditionnel \u00bb<\/strong> : nous devrons recourir \u00e0 un <strong>pr\u00eat immobilier pour non-r\u00e9sidents<\/strong>.<\/p>\n<h3 data-start=\"1235\" data-end=\"1299\">Est-il possible de demander un pr\u00eat immobilier et d\u2019acheter une maison en Espagne si je vis \u00e0 l\u2019\u00e9tranger ?<\/h3>\n<p data-start=\"1301\" data-end=\"1450\">Oui. Les banques espagnoles accordent des pr\u00eats immobiliers aux personnes qui vivent hors d\u2019Espagne, mais elles le font sous la formule du <strong>pr\u00eat immobilier pour non-r\u00e9sidents<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fotocasa est le portail immobilier expert si vous recherchez votre logement en Espagne et souhaitez dissiper vos doutes en mati\u00e8re de logement<\/p>\n","protected":false},"author":282,"featured_media":100092,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[13490],"tags":[13850,13702,13698,13712,13851,13852,13701,13700,13853,13854,13855,13863,13699,13693,13695],"class_list":["post-100087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-acheter","tag-abaratar-cuota-hipoteca","tag-acheter","tag-acheter-en-espagne","tag-compra-de-vivienda-por-extranjeros","tag-compradores-extranjeros","tag-concesion-de-hipotecas","tag-doutes-logement","tag-experts-en-logement-en-espagne","tag-extranjeros-compra-vivienda","tag-finanzas","tag-hipotecas-extranjeros","tag-hypotheque-en-espagne-non-resident","tag-marche-achat-logement-espagne","tag-marche-immobilier","tag-vivre-en-espagne"],"modified_by":"Agustina Battioli","_links":{"self":[{"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/posts\/100087","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/users\/282"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/comments?post=100087"}],"version-history":[{"count":0,"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/posts\/100087\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/media\/100092"}],"wp:attachment":[{"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/media?parent=100087"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/categories?post=100087"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fotocasa.es\/fotocasa-life\/wp-json\/wp\/v2\/tags?post=100087"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}