{"id":1185,"date":"2016-03-18T13:56:46","date_gmt":"2016-03-18T12:56:46","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/comment-renegocier-son-credit-immobilier_-n.html"},"modified":"2020-07-28T15:33:04","modified_gmt":"2020-07-28T13:33:04","slug":"comment-renegocier-son-credit-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/comment-renegocier-son-credit-immobilier_-n.html","title":{"rendered":"Comment ren\u00e9gocier son cr\u00e9dit immobilier\u00a0?"},"content":{"rendered":"<p><strong>Pourquoi ren\u00e9gocier son cr\u00e9dit immobilier&nbsp;?<\/strong><br \/>\nAujourd&rsquo;hui, les taux des cr\u00e9dits immobiliers tournent autour des 2&nbsp;% pour un pr\u00eat sur 20 ans. Autant dire que si vous avez emprunt\u00e9 aux alentours de 3&nbsp;% et plus, vous avez la possibilit\u00e9 de faire de grosses \u00e9conomies sur le co\u00fbt de votre cr\u00e9dit, en le ren\u00e9gociant. A la cl\u00e9, vous pouvez soit diminuer vos mensualit\u00e9s, soit diminuer la dur\u00e9e de remboursement du cr\u00e9dit. Aussi, il ne s&rsquo;agit pas de gagner quelques centaines d&rsquo;euros dans l&rsquo;op\u00e9ration, mais bien plusieurs milliers d&rsquo;euros.<\/p>\n<p><strong>Ren\u00e9gocier avec sa banque<\/strong><br \/>\nVous pouvez commencer par vous tourner vers votre organisme bancaire pour la ren\u00e9gociation de votre cr\u00e9dit immobilier. Votre banque sera peut-\u00eatre en mesure de vous faire profiter des taux bas du moment. Un simple coup de fil ou un rendez-vous avec votre conseiller vous permettra rapidement de voir si votre banque est en mesure de vous faire une offre int\u00e9ressante.<\/p>\n<p><strong>Changer de banque<\/strong><br \/>\nVous pouvez aussi faire le choix de passer par un autre organisme bancaire, \u00e0 m\u00eame de vous proposer un meilleur taux de cr\u00e9dit. En passant par un courtier, vous pourrez proposer votre dossier facilement et rapidement \u00e0 plusieurs banques. N&rsquo;oubliez pas toutefois que, dans le cas de rachat de cr\u00e9dit, le taux n&rsquo;est pas la seule donn\u00e9e \u00e0 prendre en compte. En effet, vous aurez certainement des frais pour remboursement anticip\u00e9 \u00e0 verser aupr\u00e8s de votre banque actuelle et qui p\u00e8sent dans la balance. Votre conseiller ACE pourra vous conseiller sur cette question en vous indiquant clairement l&rsquo;offre la plus int\u00e9ressante pour vous.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A l\u2019heure o\u00f9 les taux de cr\u00e9dit sont au plus bas, il est possible de ren\u00e9gocier avantageusement son cr\u00e9dit immobilier. Le gain \u00e0 r\u00e9aliser se mesure souvent en milliers d\u2019euros.<\/p>\n","protected":false},"author":4,"featured_media":1186,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1185","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>Comment ren\u00e9gocier son cr\u00e9dit immobilier\u00a0? - 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\/comment-renegocier-son-credit-immobilier_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment ren\u00e9gocier son cr\u00e9dit immobilier\u00a0? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"A l\u2019heure o\u00f9 les taux de cr\u00e9dit sont au plus bas, il est possible de ren\u00e9gocier avantageusement son cr\u00e9dit immobilier. 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