{"id":1776,"date":"2018-04-26T21:40:46","date_gmt":"2018-04-26T19:40:46","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/votre-pret-immobilier-peut-il-se-renegocier_-n.html"},"modified":"2020-07-28T15:31:17","modified_gmt":"2020-07-28T13:31:17","slug":"votre-pret-immobilier-peut-il-se-renegocier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/votre-pret-immobilier-peut-il-se-renegocier_-n.html","title":{"rendered":"Votre pr\u00eat immobilier peut-il se ren\u00e9gocier ?"},"content":{"rendered":"<p>La <strong>stabilit\u00e9 des taux d&rsquo;int\u00e9r\u00eats<\/strong> des pr\u00eats habitation depuis ce d\u00e9but d&rsquo;ann\u00e9e et la baisse constat\u00e9e d\u00e9but avril sont d&rsquo;excellentes dispositions pour les emprunteurs qui y voient, \u00e0 juste titre, de <strong>nouvelles opportunit\u00e9s pour faire des \u00e9conomies<\/strong>, surtout s&rsquo;ils ont contract\u00e9 leurs cr\u00e9dit en 2015 et s&rsquo;ils n&rsquo;avaient pas eu l&rsquo;opportunit\u00e9 ou le temps de <strong>ren\u00e9gocier<\/strong> en 2016 et 2017. Ce printemps leur offre une s\u00e9ance de rattrapage.<\/p>\n<h2><strong>Ren\u00e9gocier,&nbsp;\u00e0 nouveau financi\u00e8rement int\u00e9ressant<\/strong><\/h2>\n<p>En net recul durant l&rsquo;ann\u00e9e 2017, les demandes de ren\u00e9gociation d\u2018anciens cr\u00e9dits&nbsp;immobiliers font leur grand retour ce printemps.&nbsp;Les actuels propri\u00e9taires souhaitent profiter des taux d&#8217;emprunts bas (1,61% en moyenne \u2013 source Banque de France). Apr\u00e8s \u00eatre tomb\u00e9e \u00e0 moins de 16% en d\u00e9cembre dernier, l<strong>a part des ren\u00e9gociations dans les dossiers de cr\u00e9dit immobilier est remont\u00e9e au-del\u00e0 des 20%<\/strong> au mois de f\u00e9vrier selon les derniers chiffres publi\u00e9s par la Banque de France<\/a>. On est encore loin des 60% atteints en 2016 mais cette remont\u00e9e est tout de m\u00eame significative et confirme la vigilance des emprunteurs.<\/p>\n<h2><strong>Diminuer la dur\u00e9e ou la mensualit\u00e9<\/strong><\/h2>\n<p>L&rsquo;id\u00e9e de cette d\u00e9marche est d&rsquo;obtenir de meilleures conditions pour son pr\u00eat immobilier afin de 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. Et id\u00e9alement de pouvoir jouer sur les deux tableaux&nbsp;! Tous les cr\u00e9dits peuvent th\u00e9oriquement pr\u00e9tendre \u00e0 \u00eatre r\u00e9examin\u00e9s mais&nbsp;pour que cela&nbsp;soit r\u00e9ellement rentable et&nbsp;g\u00e9n\u00e8re&nbsp;de belles \u00e9conomies, il vaut mieux respecter ces<strong> trois r\u00e8gles<\/strong>&nbsp;:<\/p>\n<ol>\n\tL&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<p>\tIl faut un capital restant d\u00fb minimum&nbsp;de 80&nbsp;000 euros (source acecredit)<\/li>\n<p>\tLa dur\u00e9e restante de remboursement&nbsp;doit \u00eatre sup\u00e9rieure ou au moins \u00e9gale \u00e0 la moiti\u00e9 de la dur\u00e9e totale de l&#8217;emprunt initial.<\/li>\n<\/ol>\n<div>Pour b\u00e9n\u00e9ficier d&rsquo;un nouveau contrat de pr\u00eat,&nbsp;l&#8217;emprunteur devra cl\u00f4turer le contrat initial et payer des <strong>indemnit\u00e9s de remboursement anticip\u00e9<\/strong> (IRA,&nbsp;plafonn\u00e9s \u00e0 6 mois d&rsquo;int\u00e9r\u00eats ou 3&nbsp;% du capital restant d\u00fb). A cela s&rsquo;ajoutent&nbsp;des frais pour la nouvelle garantie (cautionnement ou hypoth\u00e8que).<\/p>\n<p>Il faudra donc bien veiller \u00e0 ce que ces d\u00e9penses soient largement compens\u00e9es par&nbsp;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><\/div>\n","protected":false},"excerpt":{"rendered":"<p>La stabilit\u00e9 des taux d\u2019int\u00e9r\u00eats et la baisse constat\u00e9e d\u00e9but avril sont d\u2019excellentes dispositions pour les emprunteurs qui y voient, \u00e0 juste titre, de nouvelles opportunit\u00e9s de ren\u00e9gociation pour faire des \u00e9conomies, surtout s\u2019ils ont contract\u00e9 leurs cr\u00e9dit en 2015 et s\u2019ils n\u2019avaient pas eu l\u2019opportunit\u00e9 ou le temps de ren\u00e9gocier en 2016 et 2017.<\/p>\n","protected":false},"author":4,"featured_media":1777,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1776","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>Faut-il ren\u00e9gocier son cr\u00e9dit immo maintenant ?<\/title>\n<meta name=\"description\" content=\"La stabilit\u00e9 des taux d\u2019int\u00e9r\u00eats et la baisse constat\u00e9e d\u00e9but avril offrent aux emprunteurs de nouvelles opportunit\u00e9s de ren\u00e9gociation pour faire des \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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