{"id":1292,"date":"2016-11-16T16:41:45","date_gmt":"2016-11-16T15:41:45","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/quand-planifier-un-rachat-de-credit-immobilier_-n.html"},"modified":"2020-07-28T15:31:33","modified_gmt":"2020-07-28T13:31:33","slug":"quand-planifier-un-rachat-de-credit-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/quand-planifier-un-rachat-de-credit-immobilier_-n.html","title":{"rendered":"Quand planifier un rachat de cr\u00e9dit immobilier ?"},"content":{"rendered":"<p>En raison de la baisse en continue des taux d&rsquo;int\u00e9r\u00eats depuis deux ans et plus, un cr\u00e9dit immobilier actuellement contract\u00e9 sur deux est en r\u00e9alit\u00e9 un cr\u00e9dit d\u00e9j\u00e0 en cours et qui a \u00e9t\u00e9 ren\u00e9goci\u00e9 ou rachet\u00e9. Car les perspectives d&rsquo;\u00e9conomies sont r\u00e9elles et pour des montants qui sont loin d&rsquo;\u00eatre anodins, jusqu&rsquo;\u00e0 quelques dizaines de milliers d&rsquo;euros dans certains cas.<\/p>\n<p>La question n&rsquo;est plus de savoir S&rsquo;IL faut faire racheter son cr\u00e9dit immobilier mais QUAND entreprendre cette d\u00e9marche, source d&rsquo;\u00e9conomies multiples. En faisant une simulation en ligne de rachat de cr\u00e9dit immobilier<\/a>, il est tr\u00e8s facile et rapide comparer les gains potentiels.<br \/>\n&nbsp;<\/p>\n<h2>Des situations plus favorables que d&rsquo;autres<\/h2>\n<p>Les sp\u00e9cialistes du cr\u00e9dit immobilier sont formels, il existe traditionnellement une r\u00e8gle d&rsquo;or \u00e0 respecter, \u00e0 savoir&nbsp;: r\u00e9unir au moins deux des trois conditions suivantes&nbsp;:<br \/>\n&nbsp;<\/p>\n<ul>\n<li>Avoir encore au moins 7 ans de remboursement \u00e0 effectuer<\/li>\n<li>Devoir rembourser encore au minimum 100 000 euros<\/li>\n<li>Pouvoir obtenir un nouveau taux d&rsquo;int\u00e9r\u00eat qui sera inf\u00e9rieur au moins d&rsquo;un point au taux initial.<br \/>\n\tExemple&nbsp;: le rachat de cr\u00e9dit sera financi\u00e8rement int\u00e9ressant \u00e0 un taux de 1.20% (taux moyen constat\u00e9 pour 20 ans en octobre 2016) pour tout cr\u00e9dit initial \u00e0 un taux de 2.20 % minimum, m\u00eame si celui-ci est tr\u00e8s r\u00e9cent.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Il n&rsquo;y a pas de d\u00e9lai id\u00e9al pour faire racheter son cr\u00e9dit<\/h2>\n<p>En th\u00e9orie, l&rsquo;op\u00e9ration de rachat parait d&rsquo;autant plus rentable qu&rsquo;elle est r\u00e9alis\u00e9e en tout d\u00e9but de pr\u00eat, au moment o\u00f9 les int\u00e9r\u00eats \u00e0 rembourser sont les plus \u00e9lev\u00e9s. En effet, plus on rembourse et moins on paye d&rsquo;int\u00e9r\u00eats. Mais attention, c&rsquo;est aussi \u00e0 ce moment que les frais de remboursement anticip\u00e9 seront les plus \u00e9lev\u00e9s (limit\u00e9 n\u00e9anmoins \u00e0 6 mois d&rsquo;int\u00e9r\u00eats ou 3&nbsp;% du capital restant d\u00fb).<\/p>\n<p>Sur la fin du pr\u00eat, ce sont les gains sur l&rsquo;assurance emprunteur<\/a> qui vont \u00eatre tr\u00e8s importants.<br \/>\nFaire racheter son cr\u00e9dit autorise \u00e9galement un changement de l&rsquo;assurance de ce cr\u00e9dit. Pour l&#8217;emprunteur, c&rsquo;est la garantie de r\u00e9lles \u00e9conomies pour deux raisons :&nbsp;<br \/>\n&#8211; D&rsquo;une part, le&nbsp;nouveau capital \u00e0 assurer est forc\u00e9ment moins \u00e9lev\u00e9 que l&rsquo;ancien (il y eu un certain nombre de mensualit\u00e9s rembours\u00e9es depuis), les cotisations seront elles aussi moins \u00e9l\u00e9v\u00e9es.<br \/>\n&#8211; Et d&rsquo;autre part, souscrire un nouveau contrat d&rsquo;assurance personnalis\u00e9 permet de b\u00e9n\u00e9f\u00e9cier de couverture plus avantageuse que celle des contrats de groupe bancaires et nettement moins ch\u00e8re car les tarifs ont beaucoup baiss\u00e9 ces derniers temps.<\/p>\n<p>S&rsquo;adresser \u00e0 un courtier en cr\u00e9dit et assurance immobiliers qui fera&nbsp;jouer la concurrence est une vraie source d&rsquo;\u00e9conomie. Il ne reste plus qu&rsquo;\u00e0 choisir comment va s&rsquo;articuler les b\u00e9n\u00e9fices financiers g\u00e9n\u00e9r\u00e9s par le rachat&nbsp;: diminuer le montant des mensualit\u00e9s ou r\u00e9duire la dur\u00e9e du remboursement, ou encore cumuler les deux.<br \/>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En raison de la baisse en continue des taux d\u2019int\u00e9r\u00eats depuis deux ans et plus, un cr\u00e9dit immobilier actuellement contract\u00e9 sur deux est en r\u00e9alit\u00e9 un cr\u00e9dit d\u00e9j\u00e0 en cours et qui a \u00e9t\u00e9 ren\u00e9goci\u00e9 ou rachet\u00e9. Car les perspectives d\u2019\u00e9conomies sont r\u00e9elles et pour des montants qui sont loin d\u2019\u00eatre anodins, jusqu\u2019\u00e0 quelques dizaines de milliers d\u2019euros dans certains cas.<\/p>\n","protected":false},"author":4,"featured_media":1293,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1292","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>La meilleure p\u00e9riode pour un rachat de cr\u00e9dit immobilier<\/title>\n<meta name=\"description\" content=\"En raison de la baisse en continue des taux d\u2019int\u00e9r\u00eats, la question n\u2019est plus de savoir s\u2019il faut faire racheter son cr\u00e9dit immobilier mais quand entreprendre cette d\u00e9marche, source d\u2019\u00e9conomies multiples.\" \/>\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\/quand-planifier-un-rachat-de-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=\"La meilleure p\u00e9riode pour un rachat de cr\u00e9dit immobilier\" \/>\n<meta property=\"og:description\" content=\"En raison de la baisse en continue des taux d\u2019int\u00e9r\u00eats, la question n\u2019est plus de savoir s\u2019il faut faire racheter son cr\u00e9dit immobilier mais quand entreprendre cette d\u00e9marche, source d\u2019\u00e9conomies multiples.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/quand-planifier-un-rachat-de-credit-immobilier_-n.html\" 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