{"id":1288,"date":"2016-11-14T09:55:31","date_gmt":"2016-11-14T08:55:31","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-relais-revendre-pour-racheter_-n.html"},"modified":"2020-07-28T15:31:33","modified_gmt":"2020-07-28T13:31:33","slug":"le-pret-relais-revendre-pour-racheter_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-relais-revendre-pour-racheter_-n.html","title":{"rendered":"Le pr\u00eat  relais : revendre pour racheter"},"content":{"rendered":"<p>Plus pratique, cette formule<strong> <\/strong>doit n\u00e9anmoins \u00eatre utilis\u00e9e avec la plus grande vigilance. Les int\u00e9r\u00eats d&rsquo;un cr\u00e9dit relais peuvent \u00eatre \u00e9lev\u00e9s et donc co\u00fbter tr\u00e8s cher si le d\u00e9lai de vente est long.<br \/>\n&nbsp;<\/p>\n<h2>Le principe est simple&nbsp;<\/h2>\n<p>Le pr\u00eat relais finance la nouvelle acquisition, le temps de vendre son ancien bien. C&rsquo;est donc <strong>un cr\u00e9dit<\/strong> de transition, accord\u00e9 pour une dur\u00e9e relativement courte&nbsp;: de quelques semaines \u00e0 quelques mois, sans jamais exc\u00e9der deux ans. Il est possible d&rsquo;associer un cr\u00e9dit relais avec un autre cr\u00e9dit immobilier<\/a> : ce montage est appel\u00e9 <strong>pr\u00eat relais associ\u00e9<\/strong>.<br \/>\nDans le cas contraire, on parle de <strong>pr\u00eat relais sec<\/strong>, \u00e0 savoir&nbsp;: ne rembourser que de petites mensualit\u00e9s correspondant aux int\u00e9r\u00eats, et \u00e0 solder le capital en une seule mensualit\u00e9, gr\u00e2ce \u00e0 l&rsquo;argent de la vente. Attention, ce cr\u00e9dit est plus difficile \u00e0 obtenir car les banques pr\u00e9f\u00e8rent le pr\u00eat relais associ\u00e9, avec la certitude de pouvoir \u00ab\u00a0vendre\u00a0\u00bb un nouveau pr\u00eat immobilier.&nbsp;<br \/>\n&nbsp;<br \/>\nLe montant d&rsquo;un pr\u00eat relais<\/a> est toujours calcul\u00e9 en fonction de la valeur de maison ou l&rsquo;appartement \u00e0 vendre et non pas du logement en cours d&rsquo;acquisition. Les banques accordent, en moyenne, 70% du prix estim\u00e9 de la vente, d\u00e9duit du montant des capitaux restants dus (CRD) de l&#8217;emprunt souscrit pour l&rsquo;acquisition du premier bien. Mais ce chiffre peut varier entre 60 et 80 % selon les \u00e9tablissements bancaires.<br \/>\n&nbsp;<\/p>\n<h2>L&rsquo;importance de l&rsquo;estimation du bien \u00e0 vendre<\/h2>\n<p>Celle-ci est faite \u00e0 partir d&rsquo;une expertise immobili\u00e8re ind\u00e9pendante r\u00e9alis\u00e9e par un professionnel mandat\u00e9 par la banque ou l&#8217;emprunteur et qui va tenir compte de l&rsquo;\u00e9tat ext\u00e9rieur et int\u00e9rieur du logement, des travaux \u00e9ventuels et des ventes r\u00e9centes de biens similaires.<br \/>\n&nbsp;<\/p>\n<h2>Tout faire pour vendre vite<\/h2>\n<p>Une fois le bien positionn\u00e9 au prix du march\u00e9, il est donc essentiel de tout mettre en oeuvre pour acc\u00e9l\u00e9rer sa vente et d\u00e9clencher un coup de coeur. Les d\u00e9lais de vente ont plut\u00f4t tendance \u00e0 s&rsquo;allonger car le march\u00e9 reste encore toujours favorable aux acheteurs qui peuvent se permettre de se donner le temps de choisir. Un point important qui valorise toujours un bien : effectuer quelques petits travaux de rafraichissement de peinture ou d&rsquo;agencement de cloisons. L&rsquo;acheteur doit pouvoir se projeter dans son futur nouvel espace.<br \/>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vendre un bien immobilier actuel pour en acheter\u00a0un nouveau ?<br \/>\nSi on opte d\u2019abord pour la revente avant la nouvelle acquisition, dans la plupart des cas, il faudra trouver un logement temporaire entre les deux op\u00e9rations, \u00e0 moins de r\u00e9ussir \u00e0 faire co\u00efncider les deux. Pas toujours facile \u00e0 faire. Il existe pourtant une solution pour acheter son nouveau logement avant d&rsquo;avoir vendu l&rsquo;ancien\u00a0: le pr\u00eat relais<\/p>\n","protected":false},"author":4,"featured_media":1289,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1288","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>Le pr\u00eat relais pour faciliter la revente et le rachat<\/title>\n<meta name=\"description\" content=\"Vendre un bien immobilier actuel pour en acheter\u00a0un nouveau ? Il existe une solution pour acheter son nouveau logement avant d&#039;avoir vendu l&#039;ancien\u00a0: le pr\u00eat relais. Explications.\" \/>\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\/le-pret-relais-revendre-pour-racheter_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le pr\u00eat relais pour faciliter la revente et le rachat\" \/>\n<meta property=\"og:description\" content=\"Vendre un bien immobilier actuel pour en acheter\u00a0un nouveau ? Il existe une solution pour acheter son nouveau logement avant d&#039;avoir vendu l&#039;ancien\u00a0: le pr\u00eat relais. 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