{"id":1642,"date":"2017-12-02T09:39:43","date_gmt":"2017-12-02T08:39:43","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-remontent-vite-une-clause-de-transfert-de-pret_-n.html"},"modified":"2020-07-28T15:31:24","modified_gmt":"2020-07-28T13:31:24","slug":"les-taux-remontent-vite-une-clause-de-transfert-de-pret_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-remontent-vite-une-clause-de-transfert-de-pret_-n.html","title":{"rendered":"Les taux remontent ? Vite, une clause de transfert de pr\u00eat !"},"content":{"rendered":"<div>Un petit conseil aux futurs acqu\u00e9reurs&nbsp;: au moment de s\u00e9lectionner votre contrat de cr\u00e9dit, pensez \u00e0 y int\u00e9grer une clause de transf\u00e9rabilit\u00e9 de pr\u00eat.<\/p>\n<p>Peu connue du grand public et faiblement utilis\u00e9e en raison de la baisse continue des taux d&rsquo;int\u00e9r\u00eats mois apr\u00e8s mois, cette option peut se r\u00e9v\u00e9ler<strong> extr\u00eamement avantageuse pour l&#8217;emprunteur en cas de remont\u00e9e des taux<\/strong>. Notamment pour les acheteurs qui anticipent d\u00e9j\u00e0 une revente pour s&rsquo;agrandir \u00e0 moyen terme.<\/div>\n<p>&nbsp;<\/p>\n<p><strong>Explications<\/strong>. Lorsqu&rsquo;un propri\u00e9taire&nbsp;revend un bien pour en acqu\u00e9rir un autre, deux solutions s&rsquo;offrent \u00e0 lui. La solution la plus courante et la plus intuitive est de rembourser son pr\u00eat initial avec le montant de la revente, puis de souscrire un autre contrat de pr\u00eat pour financer le nouveau bien, en g\u00e9n\u00e9ral plus grand et donc plus cher. L&rsquo;inconv\u00e9nient de cette formule r\u00e9side dans le fait de devoir&nbsp;s&rsquo;acquitter au passage de frais non n\u00e9gligeables (indemnit\u00e9s de remboursement anticip\u00e9, nouvelle garantie, nouvelle assurance\u2026).<\/p>\n<h2><strong>Transf\u00e9rer son cr\u00e9dit lors de la revente<\/strong><\/h2>\n<div>La deuxi\u00e8me solution consiste \u00e0 <strong>conserver <\/strong>son cr\u00e9dit en cours et donc <strong>le taux tr\u00e8s int\u00e9ressant <\/strong>qui y est associ\u00e9 puis de<strong> transf\u00e9rer le tout sur la nouvelle acquisition<\/strong>. Parce qu&rsquo;elle va conserver les conditions financi\u00e8res avantageuses du pr\u00eat initial, cette clause est particuli\u00e8rement adapt\u00e9e dans une situation de remont\u00e9e des taux. Selon Le Figaro immobilier, un couple ayant emprunt\u00e9 200.000 euros sur 20 ans, \u00e0 1,5%, en 2017, pour s&rsquo;acheter un logement. Sept ans plus tard (dur\u00e9e moyenne d&rsquo;un cr\u00e9dit), il d\u00e9sire en acqu\u00e9rir un plus grand. Avec la clause de transf\u00e9rabilit\u00e9, le couple peut esp\u00e9rer entre 10.000 et 35.000 euros d&rsquo;\u00e9conomies sur son cr\u00e9dit.<\/p>\n<p>Mais ce n&rsquo;est pas tout. Outre la possibilit\u00e9 de conserver un taux tr\u00e8s bas, l&#8217;emprunteur va continuer \u00e0 <strong>b\u00e9n\u00e9ficier de l&rsquo;assurance souscrite<\/strong> lorsqu&rsquo;il \u00e9tait plus jeune (et qui sera donc moins ch\u00e8re). Il pourra \u00e9galement<strong> transf\u00e9rer la garantie si c&rsquo;est une caution<\/strong> pour \u00e9viter des frais de main lev\u00e9e.<\/p>\n<p>Pour l&#8217;emprunteur, autant de poste d&rsquo;\u00e9conomies suppl\u00e9mentaires. Pour les banques qui proposent cette clause, il s&rsquo;agit de mettre en avant un avantage concurrentiel de poids.&nbsp;C&rsquo;est un moyen pour elles de conserver son client, si elles le souhaitent.<\/p><\/div>\n<h2><strong>Clause sous conditions<\/strong><\/h2>\n<div>Il existe n\u00e9anmoins<strong> quelques conditions pr\u00e9alables<\/strong> \u00e0 remplir pour que le transfert puisse \u00eatre mis en place.&nbsp;Le d\u00e9lai entre la vente du bien immobilier et l&rsquo;achat d&rsquo;un autre logement doit \u00eatre inf\u00e9rieur \u00e0 six mois.&nbsp;Le nouvel achat immobilier doit avoir le m\u00eame usage (ex&nbsp;: revente de sa r\u00e9sidence principale initiale et achat d&rsquo;une nouvelle r\u00e9sidence principale). La valeur du nouveau bien doit \u00eatre sup\u00e9rieure au capital restant d\u00fb \u00e0 transf\u00e9rer. Et enfin, il ne doit pas y avoir eu d&rsquo;incidents de paiement sur le pr\u00eat initial.<\/p>\n<p>A savoir&nbsp;: des frais li\u00e9s \u00e0 la r\u00e9daction d&rsquo;un avenant pour modifier l&rsquo;objet du pr\u00eat peuvent \u00eatre demand\u00e9s. Pour plus d&rsquo;informations, n&rsquo;h\u00e9sitez pas \u00e0 consulter un sp\u00e9cialiste du pr\u00eat immobilier comme, par exemple, le r\u00e9seau d&rsquo;agences de courtier&nbsp;<\/a>acecredit.fr.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Peu connue du grand public et faiblement utilis\u00e9e en raison de la baisse continue des taux d\u2019int\u00e9r\u00eats, la clause de transf\u00e9rabilit\u00e9 de pr\u00eat peut se r\u00e9v\u00e9ler extr\u00eamement avantageuse pour l\u2019emprunteur en cas de remont\u00e9e des taux. Notamment pour les acheteurs qui anticipent d\u00e9j\u00e0 une revente pour s\u2019agrandir \u00e0 moyen terme.<\/p>\n","protected":false},"author":4,"featured_media":1643,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1642","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>Les taux remontent ? Pensez \u00e0 la clause de transfert de pr\u00eat<\/title>\n<meta name=\"description\" content=\"Peu connue du grand public et faiblement utilis\u00e9e en raison de la baisse continue des taux d\u2019int\u00e9r\u00eats, la clause de transf\u00e9rabilit\u00e9 de pr\u00eat peut se r\u00e9v\u00e9ler extr\u00eamement avantageuse pour l\u2019emprunteur en cas de remont\u00e9e des taux. Notamment pour\" \/>\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\/les-taux-remontent-vite-une-clause-de-transfert-de-pret_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les taux remontent ? 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Notamment pour\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-remontent-vite-une-clause-de-transfert-de-pret_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2017-12-02T08:39:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:31:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/stock-2463798-640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/les-taux-remontent-vite-une-clause-de-transfert-de-pret_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/les-taux-remontent-vite-une-clause-de-transfert-de-pret_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Les taux remontent ? 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