{"id":985,"date":"2024-11-13T16:46:17","date_gmt":"2024-11-13T15:46:17","guid":{"rendered":"https:\/\/renouvelable-habitat.fr\/?p=985"},"modified":"2024-10-08T17:06:41","modified_gmt":"2024-10-08T16:06:41","slug":"buying-alone-at-40","status":"publish","type":"post","link":"https:\/\/renouvelable-habitat.fr\/en\/buying-alone-at-40\/","title":{"rendered":"Buying alone at 40: Tips and advice for single women"},"content":{"rendered":"<p class=\"wp-block-paragraph\">For many women, reaching their forties is often synonymous with professional and personal stability. It's also a time when the desire to invest in real estate can become more pressing. Buying on your own at 40 may seem like a challenge, but with the right information and preparation, it's perfectly feasible. Let's take a look at&nbsp;<strong>borrowing criteria<\/strong>the&nbsp;<strong>budget required<\/strong>how&nbsp;<strong>convince your bank<\/strong>&nbsp;and&nbsp;<strong>potential risks<\/strong>&nbsp;associated with buying solo.<\/p>\n\n\n\n<blockquote class=\"tiktok-embed\" cite=\"https:\/\/www.tiktok.com\/@pap.fr\/video\/7252361073641180442\" data-video-id=\"7252361073641180442\" style=\"max-width: 605px;min-width: 325px;\" > <section> <a target=\"_blank\" title=\"@pap.fr\" href=\"https:\/\/www.tiktok.com\/@pap.fr?refer=embed\" rel=\"noopener\">@pap.fr<\/a> If you haven't bought by the time you're 40, you've missed your life? \ud83d\ude29\ud83d\ude22 <a title=\"buyapartment\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/acheterappartement?refer=embed\" rel=\"noopener\">#acheterapartment<\/a> <a title=\"buyhome\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/achetermaison?refer=embed\" rel=\"noopener\">1TP5Housecoat<\/a> <a title=\"creditimmobilier\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/creditimmobilier?refer=embed\" rel=\"noopener\">#creditimmobilier<\/a> <a title=\"achatimmobilier\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/achatimmobilier?refer=embed\" rel=\"noopener\">#achatimmobilier<\/a> <a title=\"buyoulouer\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/acheteroulouer?refer=embed\" rel=\"noopener\">#acheteroulouer<\/a> <a title=\"first-time buyers\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/primoacc%C3%A9dant?refer=embed\" rel=\"noopener\">#first-time buyer<\/a> <a title=\"becomeanowner\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/devenirproprietaire?refer=embed\" rel=\"noopener\">#becoming an owner<\/a> <a title=\"conseilimmobilier\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/conseilimmobilier?refer=embed\" rel=\"noopener\">1TP5Real estate consulting<\/a> <a title=\"anniversary40years\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/anniversaire40ans?refer=embed\" rel=\"noopener\">1TP540th Birthday<\/a> <a title=\"40yearsold\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/40ansdeja?refer=embed\" rel=\"noopener\">#40yearsold<\/a> <a title=\"40ansfabulous\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/40ansfabulous?refer=embed\" rel=\"noopener\">#40ansfabulous<\/a> <a title=\"buyordon&#039;tbuy\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/acheterounepasacheter?refer=embed\" rel=\"noopener\">1TP5BuyorDon'tBuy<\/a>  @PAP.fr <a target=\"_blank\" title=\"\u266c original sound - PAP.fr\" href=\"https:\/\/www.tiktok.com\/music\/son-original-7252361036160977690?refer=embed\" rel=\"noopener\">\u266c original sound - PAP.fr<\/a> <\/section> <\/blockquote> <script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\">Borrowing criteria to consider<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When a single woman is considering&nbsp;<strong>real-estate loan<\/strong>There are several criteria that banks generally take into account. The first, and undoubtedly the most important, is the&nbsp;<strong>borrowing capacity<\/strong>. This depends on the&nbsp;<strong>salary required<\/strong>&nbsp;as well as other sources of regular income. In general, financial institutions will not lend above 33% debt-to-income ratio.<\/p>\n\n\n<div class=\"gb-container gb-container-20cd16ab\">\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>To know more<\/strong><br>I recommend that you check your borrowing capacity before consulting a bank. If you have a personal contribution, you'll increase your chances of obtaining a mortgage.<\/p>\n\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Secondly, the<strong>personal contribution<\/strong>. The higher your capital contribution, the greater your chances of obtaining a loan at a favorable rate. Finally, financial history also plays a crucial role. A person with no debts or with a good credit history will find it easier to obtain a mortgage.<\/p>\n\n\n<div class=\"gb-container gb-container-54a88884\">\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-4-3 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Real estate: 5 tips for buying alone | lesfurets\" width=\"1200\" height=\"900\" src=\"https:\/\/www.youtube.com\/embed\/OihxetXZOKo?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">The importance of the debt ratio<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Another essential concept is that of the&nbsp;<strong>debt ratio<\/strong>. It represents the proportion of monthly income devoted to loan repayments. To secure a property loan, it is imperative that this rate is kept below the recommended threshold of 33%. This guarantees the banks that the borrower will be able to manage his repayments without undue difficulty.<\/p>\n\n\n<div class=\"gb-container gb-container-c96b9d86\">\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Note<\/strong><br>I think it's important to keep your debt level low for a smooth real estate project. You need to assess your debt capacity before buying a property.<\/p>\n\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">The term of the mortgage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The term of the loan also has a significant impact. Longer periods mean lower monthly payments, although they also mean higher costs due to accumulated interest. Every woman needs to assess the duration that's right for her, based on her age, future plans and financial security.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What budget for a single woman?<\/h2>\n\n\n\n<figure class=\"gb-block-image gb-block-image-d78d1d22\"><img decoding=\"async\" width=\"1024\" height=\"576\" class=\"gb-image gb-image-d78d1d22\" src=\"https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/acheter-seule.webp\" alt=\"buy alone\" title=\"buy alone\" srcset=\"https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/acheter-seule.webp 1024w, https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/acheter-seule-300x169.webp 300w, https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/acheter-seule-768x432.webp 768w, https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/acheter-seule-18x10.webp 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Develop a&nbsp;<strong>property budget<\/strong>&nbsp;is a crucial step. It's essential to start with an honest estimate of your income and fixed expenses, in order to determine how much you'll be able to allocate to loan repayments each month. This not only helps to define the amount you can afford to borrow, but also to avoid unpleasant financial surprises.<\/p>\n\n\n<div class=\"gb-container gb-container-77d17d00\">\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>My advice<\/strong><br>I advise you to calculate the total cost of your real estate project carefully. In my opinion, a good budget also includes administrative costs and ancillary charges.<\/p>\n\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The overall budget must include not only the cost of purchasing the property, but also ancillary expenses such as&nbsp;<strong>notarial costs<\/strong>and any necessary renovations. For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Notary fees: approximately 7 to 8% of the sale price for older homes.<\/li>\n\n\n\n<li>Condominium fees: vary according to location and apartment size.<\/li>\n\n\n\n<li>Cost of work: allow for contingencies.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How do you convince the bank?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Convincing the bank to lend to a&nbsp;<strong>solo owner<\/strong>&nbsp;may require a few solid arguments. The preparation of the file plays a fundamental role here. A well-prepared application, highlighting the&nbsp;<strong>job stability<\/strong>&nbsp;and career prospects, will reassure lenders about repayment capacity.<\/p>\n\n\n<div class=\"gb-container gb-container-16ee5114\">\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Note<\/strong><br>I recommend that you prepare a complete file showing your stable income. You need to show the bank that you have sufficient personal funds.<\/p>\n\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">In addition to showing a stable income, it's a good idea to keep other financial commitments to a minimum before applying for a loan. In addition, demonstrating sound banking management, with a current account free of incidents, will boost the bank's confidence.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Optimizing your personal contribution<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A key element often highly valued by banking institutions is the increase in<strong>personal contribution<\/strong>. The larger the savings, the more favorable the loan conditions. So, increasing your savings before submitting your application can go a long way towards securing a loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Simulate your loan to plan ahead<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Using&nbsp;<strong>loan simulators<\/strong>&nbsp;online gives you a clear view of future monthly payments and enables you to adjust your project if necessary. It also gives a realistic idea of what the bank will receive, and facilitates discussions during appointments with the financial advisor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the risks of buying alone?<\/h2>\n\n\n\n<blockquote class=\"tiktok-embed\" cite=\"https:\/\/www.tiktok.com\/@alechenry\/video\/7148446333769108742\" data-video-id=\"7148446333769108742\" style=\"max-width: 605px;min-width: 325px;\" > <section> <a target=\"_blank\" title=\"@alechenry\" href=\"https:\/\/www.tiktok.com\/@alechenry?refer=embed\" rel=\"noopener\">@alechenry<\/a> Starting all over again at 40 <a title=\"creersonbusiness\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/creersonbusiness?refer=embed\" rel=\"noopener\">#creersonbusiness<\/a> <a title=\"recommencerazero\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/recommencerazero?refer=embed\" rel=\"noopener\">#recommencerazero<\/a> <a title=\"advicebusiness\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/conseilsbusiness?refer=embed\" rel=\"noopener\">1TP5Business advice<\/a> <a target=\"_blank\" title=\"\u266c original sound - Alec Henry\" href=\"https:\/\/www.tiktok.com\/music\/son-original-7148446369336789765?refer=embed\" rel=\"noopener\">\u266c original sound - Alec Henry<\/a> <\/section> <\/blockquote> <script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script>\n\n\n\n<p class=\"wp-block-paragraph\">Buying on your own has certain advantages, but it also entails risks that every&nbsp;<strong>single woman<\/strong>&nbsp;should know about. One of the main dangers lies in the<strong>financial instability<\/strong>. In the absence of a second income, any professional change or job loss can have an immediate and serious impact on the ability to repay the loan.<\/p>\n\n\n<div class=\"gb-container gb-container-6d980c72\">\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>My advice<\/strong><br>I advise you to take out loan insurance to avoid these risks. You should always have an amount saved for the unexpected.<\/p>\n\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Similarly, as the sole decision-maker, there is no division of unexpected costs. Whether for major repairs or increases in condominium charges, all these costs will have to be absorbed individually. To mitigate these risks, it is advisable to maintain a&nbsp;<strong>savings reserve<\/strong>&nbsp;when the going gets tough.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Anticipating market fluctuations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Visit&nbsp;<strong>real estate market fluctuations<\/strong>&nbsp;must also be taken into account. A drop in the value of the property purchased could pose a problem, especially in the event of a rapid resale. That said, investing in real estate remains a safe investment over the long term, provided you choose the right location and keep an eye on local economic trends.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Covering your bases<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Think also of&nbsp;<strong>loan insurance<\/strong>. They offer protection in the event of major incidents such as disability or death, and guarantee that the bank will recover any sums due. Being well-insured eases the pressure of unforeseen circumstances and protects your assets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Last but not least, don't hesitate to call on&nbsp;<strong>wealth management advisors<\/strong>&nbsp;or specialized brokers who can provide invaluable expertise and help optimize loan structuring, savings strategies and real estate choices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In conclusion, buying on your own at the age of 40 is a daring adventure, but perfectly feasible with the right tools and preparation. The key lies in rigorous organization, anticipation of possible hazards and in-depth knowledge of the resources available to optimize each stage of the property purchase.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How did I get my credit financing on a small salary?<\/h2>\n\n\n\n<figure class=\"gb-block-image gb-block-image-f688bca4\"><img decoding=\"async\" width=\"1024\" height=\"576\" class=\"gb-image gb-image-f688bca4\" src=\"https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/appartement-achat.webp\" alt=\"apartment purchase\" title=\"apartment purchase\" srcset=\"https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/appartement-achat.webp 1024w, https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/appartement-achat-300x169.webp 300w, https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/appartement-achat-768x432.webp 768w, https:\/\/renouvelable-habitat.fr\/wp-content\/uploads\/2024\/11\/appartement-achat-18x10.webp 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n<div class=\"gb-container gb-container-b6d9ac29\">\n\n<p class=\"wp-block-paragraph\">When I decided to<strong>buy<\/strong> my first <strong>home<\/strong> solo, I thought it was going to be quite an adventure. I had saved up for the<strong>contribution<\/strong>but I knew it wasn't enough. So I went to a <strong>broker<\/strong> to help me evaluate my <strong>borrowing capacity<\/strong>. After a few simulations, he offered me a <strong>mortgage loan<\/strong> with a <strong>rate<\/strong> relatively low. I have to admit that without his help, I would never have found such an attractive offer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then it's off to the <strong>banks<\/strong> to check the <strong>financing<\/strong>. I met with several consultants, and each time, the same question came up: \"What is your <strong>salary<\/strong> monthly?\" I explained to them that, even though I'm on my own, I earn a good living and I'm able to manage it. <strong>purchase<\/strong>. However, I sensed that there was a reluctance when you see a <strong>woman<\/strong> <strong>borrow<\/strong> alone for such a project.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then I heard about <strong>CAFPI<\/strong>. This <strong>broker<\/strong> not only helped me to review the <strong>amount<\/strong> of the loan, but he also advised me to take a good <strong>insurance<\/strong> to secure the whole thing. Finally, after a lot of back and forth and discussions, I got my loan. And what do you know? The <strong>average<\/strong> of the offers was much higher than the one I finally signed! I saved several thousand<strong>euros<\/strong> by choosing the right options.<\/p>\n\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Table of good and bad real estate buying practices<\/h2>\n\n\n<div class=\"gb-container gb-container-aa69531a\">\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Good Practices<\/strong><\/th><th><strong>Bad practices<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Provide a <strong>contribution<\/strong> to optimize the conditions for your <strong>purchase<\/strong> and negotiate a <strong>mortgage loan<\/strong> favorable.<\/td><td>Ignore<strong>insurance<\/strong> at the<strong>purchase<\/strong>increasing the risk of unforeseen events.<\/td><\/tr><tr><td>Take into account <strong>price<\/strong> from <strong>housing<\/strong> (house or <strong>apartment<\/strong>) as well as ancillary costs such as <strong>condominium<\/strong>.<\/td><td>Underestimating additional costs such as renovations or property expenses <strong>real estate<\/strong>.<\/td><\/tr><tr><td>For <strong>women<\/strong>check the aid available in <strong>France<\/strong> that facilitate<strong>purchase<\/strong> a <strong>housing<\/strong> solo or in <strong>couple<\/strong>.<\/td><td>Do not compare<strong>purchase<\/strong> and choose a property without assessing its real market value <strong>real estate<\/strong>.<\/td><\/tr><tr><td>Consult professionals such as <strong>CAFPI<\/strong> for advice tailored to your specific <strong>project<\/strong> d'<strong>purchase<\/strong>.<\/td><td>Embark on a <strong>purchase<\/strong> without preparing a solid file, especially as a new owner. <strong>woman<\/strong> or young <strong>borrower<\/strong>.<\/td><\/tr><tr><td>Think about the impact of age on the<strong>purchase<\/strong> real estate: when you're younger, you can consider a larger <strong>investment<\/strong>.<\/td><td>Neglecting to calculate average monthly costs can lead to long-term budgetary difficulties.<\/td><\/tr><tr><td>Assessing market trends <strong>real estate<\/strong> before<strong>buy<\/strong> to choose the right time to invest in a <strong>home<\/strong> or a <strong>apartment<\/strong>.<\/td><td>Buy a <strong>home<\/strong> thinking only of quick resale, without considering market fluctuations <strong>real estate<\/strong>.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>For many women, reaching their forties is often synonymous with professional and personal stability. It's also a time when the desire to invest in real estate can become more pressing. Buying on your own at 40 may seem like a challenge, but with the right information and preparation, it's perfectly feasible. Let's take a look ... <a title=\"Buying alone at 40: Tips and advice for single women\" class=\"read-more\" href=\"https:\/\/renouvelable-habitat.fr\/en\/buying-alone-at-40\/\" aria-label=\"Read more about Buying alone at 40: Tips and tricks for a single woman\">Read more<\/a><\/p>","protected":false},"author":3,"featured_media":996,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%title%% %%page%%","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"10","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"acheter seule \u00e0 40 ans","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"inline_featured_image":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-immobilier","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"_links":{"self":[{"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/posts\/985","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/comments?post=985"}],"version-history":[{"count":0,"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/posts\/985\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/media\/996"}],"wp:attachment":[{"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/media?parent=985"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/categories?post=985"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/renouvelable-habitat.fr\/en\/wp-json\/wp\/v2\/tags?post=985"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}