{"id":1109,"date":"2015-11-05T12:12:04","date_gmt":"2015-11-05T11:12:04","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-comment-bien-choisir-la-duree-du-remboursement_-n.html"},"modified":"2020-07-28T15:33:06","modified_gmt":"2020-07-28T13:33:06","slug":"credit-immobilier-comment-bien-choisir-la-duree-du-remboursement_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-comment-bien-choisir-la-duree-du-remboursement_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : comment bien choisir la dur\u00e9e du remboursement ?"},"content":{"rendered":"<h2>Les dur\u00e9es standards de cr\u00e9dit immobilier&nbsp;<\/h2>\n<p>En France, les banques sont habitu\u00e9es \u00e0 recevoir des demandes de cr\u00e9dits immobiliers sur 15 \u00e0 20 ans. Toutefois, il est de plus en plus courant de voir la dur\u00e9e des cr\u00e9dits s&rsquo;allonger \u00e0 25. Pour les jeunes acheteurs, cela permet notamment de b\u00e9n\u00e9ficier d&rsquo;un capital plus grand, et donc de profiter d&rsquo;un pouvoir d&rsquo;achat plus important, sans le ressentir sur le co\u00fbt des mensualit\u00e9s. Toutefois, cela s&rsquo;accompagne en contrepartie, d&rsquo;un co\u00fbt de cr\u00e9dit sup\u00e9rieur. &nbsp;<\/p>\n<h2>Remboursement anticip\u00e9 et modularit\u00e9<\/h2>\n<p>Ceci \u00e9tant, il est normal de se dire qu&rsquo;il est plus judicieux d&rsquo;acheter sur dix ans, \u00e0 un taux de cr\u00e9dit immobilier bas, afin de payer le moins d&rsquo;int\u00e9r\u00eat possible. Si vos revenus vous le permettent, cette solution est bien s\u00fbr la plus avantageuse. Toutefois, vous pouvez aussi garder en m\u00e9moire que ces cr\u00e9dits immobiliers sont g\u00e9n\u00e9ralement modulables et que vous avez la possibilit\u00e9, soit de rembourser une partie du cr\u00e9dit plus rapidement que pr\u00e9vu, soit d&rsquo;augmenter les mensualit\u00e9s et de faire baisser le co\u00fbt du cr\u00e9dit par la m\u00eame occasion, d\u00e8s que vos revenus vous le permettent.<\/p>\n<p>Dans tous les cas, vous pouvez demander conseil aux \u00e9quipes d&rsquo;ACE Cr\u00e9dit<\/a>. Nous pourrons vous accompagner et trouver les solutions qui s&rsquo;adaptent le mieux \u00e0 votre r\u00e9alit\u00e9.<br \/>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il n\u2019est pas toujours facile de choisir sa dur\u00e9e de remboursement. Si une dur\u00e9e courte assure un taux plus bas, une dur\u00e9e plus longue permet d\u2019emprunter davantage. Quel est le bon choix \u00e0 faire ?&#8230;<\/p>\n","protected":false},"author":4,"featured_media":1110,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit immobilier : comment bien choisir la dur\u00e9e du remboursement ? - Ace Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-comment-bien-choisir-la-duree-du-remboursement_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : comment bien choisir la dur\u00e9e du remboursement ? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Il n\u2019est pas toujours facile de choisir sa dur\u00e9e de remboursement. 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