{"id":1262,"date":"2016-09-30T11:52:11","date_gmt":"2016-09-30T09:52:11","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/profitez-de-la-baisse-des-taux-d-interet-faites-racheter-votre-credit-immobilier_-n.html"},"modified":"2020-07-28T15:31:33","modified_gmt":"2020-07-28T13:31:33","slug":"profitez-de-la-baisse-des-taux-d-interet-faites-racheter-votre-credit-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/profitez-de-la-baisse-des-taux-d-interet-faites-racheter-votre-credit-immobilier_-n.html","title":{"rendered":"Profitez de la baisse des taux d&rsquo;int\u00e9ret, faites racheter votre cr\u00e9dit immobilier !"},"content":{"rendered":"<p>Les taux d&rsquo;int\u00e9r\u00eat vont encore rester \u00e0 des niveaux tr\u00e8s bas, conform\u00e9ment \u00e0 la volont\u00e9 de la Banque Centrale Europ\u00e9enne. Les banques peuvent ainsi continuer \u00e0 proposer des pr\u00eats immobiliers tr\u00e8s attrayants. Dans ce contexte ultra favorable aux emprunteurs, ren\u00e9gocier son cr\u00e9dit immobilier est synonyme de belles \u00e9conomies. Quand&nbsp;? Pourquoi&nbsp;? Comment&nbsp;? Explications.<\/p>\n<h2>Ren\u00e9gocier son cr\u00e9dit<\/h2>\n<p>Faire racheter son cr\u00e9dit ou ren\u00e9gocier son pr\u00eat immobilier, c&rsquo;est le sc\u00e9nario id\u00e9al pour se d\u00e9sendetter. Certains en sont d\u00e9j\u00e0 \u00e0 leur deuxi\u00e8me, voire \u00e0 leur troisi\u00e8me op\u00e9ration. Pr\u00e8s d&rsquo;un nouveau cr\u00e9dit accord\u00e9 sur deux est en fait un pr\u00eat immobilier ren\u00e9goci\u00e9. Et pour cause&nbsp;! Les pr\u00eats se n\u00e9gocient actuellement en moyenne \u00e0 1.15 % sur 15 ans et m\u00eame \u00e0 0,90 % sur 10&nbsp;ans. C&rsquo;est quasiment du jamais vu&nbsp;! Pour en profiter pleinement, plusieurs hypoth\u00e8ses de travail sont possibles : elles visent essentiellement \u00e0 raccourcir la dur\u00e9e de remboursement du pr\u00eat et all\u00e9ger les mensualit\u00e9s, voire les deux. En r\u00e8gle g\u00e9n\u00e9rale, le cr\u00e9dit ne doit pas avoir d\u00e9pass\u00e9 le premier tiers de sa dur\u00e9e de vie. C&rsquo;est l\u00e0 que la baisse du taux d&rsquo;int\u00e9r\u00eat va avoir un maximum d&rsquo;impact, les int\u00e9r\u00eats \u00e0 rembourser \u00e9tant toujours plus lourds en d\u00e9but de cr\u00e9dit. Mais pour des contrats plus anciens, le simple fait de changer d&rsquo;assurance gr\u00e2ce \u00e0 une nouvelle offre de pr\u00eat peut g\u00e9n\u00e9rer de r\u00e9elles \u00e9conomies, suffisamment attractives pour justifier la d\u00e9marche.<\/p>\n<h2>Des \u00e9conomies sur l&rsquo;assurance et la garantie<\/h2>\n<p>Il faut donc avant tout conna\u00eetre le co\u00fbt global de rachat du cr\u00e9dit immobilier <\/a>initial et d\u00e9terminer si les gains procur\u00e9s par un changement d&#8217;emprunt seront plus importants que ces frais induits. En effet, au capital et aux int\u00e9r\u00eats restant dus, se rajoutent les indemnit\u00e9s de remboursement anticip\u00e9 lors de la rupture du contrat initial et, le cas \u00e9ch\u00e9ant, les frais de mainlev\u00e9e d&rsquo;hypoth\u00e8que. Outre le nouveaux taux d&rsquo;int\u00e9r\u00eat lui-m\u00eame, deux postes sont particuli\u00e8rement int\u00e9ressants \u00e0 \u00e9tudier et \u00e0 comparer car sources d&rsquo;\u00e9conomies&nbsp;: l&rsquo;assurance <\/a>et la nouvelle garantie pour le nouveau pr\u00eat. Leur co\u00fbt calcul\u00e9 proportionnellement au montant emprunt\u00e9, elles seront automatiquement moins on\u00e9reuses que celles du cr\u00e9dit immobilier initial.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les banques continuent \u00e0 proposer des pr\u00eats immobiliers tr\u00e8s attrayants. Dans ce contexte ultra favorable aux emprunteurs, ren\u00e9gocier son cr\u00e9dit immobilier est synonyme de belles \u00e9conomies. Quand\u00a0? Pourquoi\u00a0? Comment\u00a0? Explications.<\/p>\n","protected":false},"author":4,"featured_media":1263,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1262","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>Taux d&#039;int\u00e9rets en baisse : faites racheter votre cr\u00e9dit immobilier<\/title>\n<meta name=\"description\" content=\"Dans un contexte actuel ultra favorable aux emprunteurs, ren\u00e9gocier son cr\u00e9dit immobilier est synonyme de belles \u00e9conomies\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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