{"id":1436,"date":"2017-04-21T11:03:53","date_gmt":"2017-04-21T09:03:53","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-renegocier-ou-faire-racheter_-n.html"},"modified":"2020-07-28T15:31:29","modified_gmt":"2020-07-28T13:31:29","slug":"credit-immobilier-renegocier-ou-faire-racheter_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-renegocier-ou-faire-racheter_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : ren\u00e9gocier ou faire racheter ?"},"content":{"rendered":"<h2>&nbsp;<\/h2>\n<p>Les taux d&rsquo;int\u00e9r\u00eats des cr\u00e9dits immobiliers<\/a> sont en hausse tr\u00e8s mod\u00e9r\u00e9e pour l&rsquo;instant et restent encore \u00e0 un niveau bas voire tr\u00e8s bas. Dans ce contexte porteur, le rachat ou la ren\u00e9gociation de son cr\u00e9dit immobilier continue \u00e0 \u00eatre financi\u00e8rement int\u00e9ressant d&rsquo;autant que les nouvelles modalit\u00e9s de r\u00e9siliation d&rsquo;assurance emprunteur permettent de faire jouer la concurrence et d&rsquo;obtenir des tarifs attractifs.<\/p>\n<h2>Baisse de la dur\u00e9e ou de la mensualit\u00e9<\/h2>\n<p>L&rsquo;id\u00e9e de cette d\u00e9marche est d&rsquo;obtenir une diminution du&nbsp;taux de son pr\u00eat immobilier <\/a>pour r\u00e9duire le montant de ses mensualit\u00e9s pour le reste de la dur\u00e9e de remboursement ou pour r\u00e9duire sa dur\u00e9e de remboursement en conservant les m\u00eames mensualit\u00e9s. Tous les cr\u00e9dits peuvent th\u00e9oriquement pr\u00e9tendre \u00e0 \u00eatre r\u00e9examin\u00e9s mais pour \u00eatre r\u00e9ellement rentable et g\u00e9n\u00e9rer de belles \u00e9conomies, il vaut mieux respecter ces trois r\u00e8gles&nbsp;:<br \/>\n&nbsp;<\/p>\n<ul>\n<li value=\"NaN\">L&rsquo;\u00e9cart entre le taux d&rsquo;origine et le taux actuel doit \u00eatre d&rsquo;au moins 0.7 points, id\u00e9alement 1&nbsp;point.<\/li>\n<li value=\"NaN\">Il faut un capital restant d\u00fb minimum&nbsp;de 80&nbsp;000 euros (source acecredit).<\/li>\n<li value=\"NaN\">La dur\u00e9e restante de remboursement doit \u00eatre sup\u00e9rieure ou au moins \u00e9gale \u00e0 la moiti\u00e9 de la dur\u00e9e totale de l&#8217;emprunt initial.<\/li>\n<\/ul>\n<h2>Ren\u00e9gocier ou faire racheter&nbsp;?<\/h2>\n<p>Attention \u00e0 distinguer la ren\u00e9gociation de pr\u00eat avec son&nbsp; banquier et&nbsp;le rachat de cr\u00e9dit. Les 2 solutions ne g\u00e9n\u00e8rent pas les m\u00eames frais et ne permettent pas les m\u00eames gains.<\/p>\n<p>Dans le premier cas, l&#8217;emprunteur devra simplement s&rsquo;acquitter des frais de dossier, qui s&rsquo;\u00e9l\u00e8vent entre 500&nbsp;et 800&nbsp;euros en moyenne. Mais surtout, il y a peu de chance pour que la banque accepte de descendre \u00e0 un taux aussi bas que ce que sera pr\u00eat \u00e0 offrir une autre banque concurrente.<\/p>\n<p>C&rsquo;est alors sur ce dernier point pr\u00e9cis que le rachat de cr\u00e9dit par un autre \u00e9tablissent bancaire devient int\u00e9ressant. Certes l&#8217;emprunteur devra payer des indemnit\u00e9s de remboursement anticip\u00e9 (IRA, plafonn\u00e9s \u00e0 6 mois d&rsquo;int\u00e9r\u00eats ou 3&nbsp;% du capital restant d\u00fb) et des frais de nouvelle garantie. Mais cette d\u00e9pense est largement compens\u00e9e par le gain obtenu gr\u00e2ce au nouveau taux d&rsquo;int\u00e9r\u00eats plus comp\u00e9titif et \u00e0 la nouvelle cotisation d&rsquo;assurance emprunteur.<\/p>\n<p>Bon \u00e0 savoir&nbsp;: les gains sur l&rsquo;assurance emprunteur<\/a> peuvent \u00eatre d\u00e9cisifs. En faisant modifier ses conditions de remboursement, l&#8217;emprunteur ne va donc pas seulement r\u00e9duire le montant total des int\u00e9r\u00eats sur le reste \u00e0 rembourser de son cr\u00e9dit immobilier, il va aussi faire diminuer le montant de ses cotisations d&rsquo;assurance emprunteur.<br \/>\n&nbsp;<br \/>\nChoisir la bonne strat\u00e9gie n&rsquo;est pas forc\u00e9ment \u00e9vident. Faire appel \u00e0 un courtier en cr\u00e9dit immobilier<\/a> comme acecredit pour une \u00e9tude personnalis\u00e9e est une bonne solution. Ces professionnels connaissent la&nbsp;politique commerciale&nbsp;de chaque banque sur le bout des doigts et ont toutes les cartes en main pour vous d\u00e9crocher le taux de financement le plus bas.<br \/>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les taux d&rsquo;int\u00e9r\u00eats des cr\u00e9dits immobiliers restent encore \u00e0 un niveau bas voire tr\u00e8s bas. Dans ce contexte porteur, le rachat ou la ren\u00e9gociation de son cr\u00e9dit immobilier continue \u00e0 \u00eatre financi\u00e8rement int\u00e9ressant.<\/p>\n","protected":false},"author":4,"featured_media":1437,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1436","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>Rachat ou ren\u00e9gociation de son cr\u00e9dit immobilier<\/title>\n<meta name=\"description\" content=\"Les taux d&#039;int\u00e9r\u00eats sont encore tr\u00e8s bas. Le rachat ou la ren\u00e9gociation de son cr\u00e9dit immo continue \u00e0 \u00eatre financi\u00e8rement int\u00e9ressant . 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