{"id":1794,"date":"2018-05-19T11:59:05","date_gmt":"2018-05-19T09:59:05","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-option-transfert-des-prets-se-fait-rare_-n.html"},"modified":"2020-07-28T15:30:45","modified_gmt":"2020-07-28T13:30:45","slug":"l-option-transfert-des-prets-se-fait-rare_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-option-transfert-des-prets-se-fait-rare_-n.html","title":{"rendered":"L\u2019option \u00ab transfert des pr\u00eats \u00bb se fait rare"},"content":{"rendered":"<div>La transf\u00e9rabilit\u00e9 du pr\u00eat risque fort de se faire rare si les taux d&rsquo;int\u00e9r\u00eats se maintiennent \u00e0 des niveaux si bas. Sous ce terme technique se cache une clause \u00e0 laquelle on va d&#8217;embl\u00e9e pr\u00eater peu d&rsquo;attention lors d&rsquo;une recherche d&rsquo;un contrat de cr\u00e9dit. Elle consiste \u00e0 conserver son financement (et surtout son taux) initial lorsque le contrat de cr\u00e9dit pr\u00e9voit une option dite \u00ab&nbsp;de transfert de pr\u00eat&nbsp;\u00bb.<\/p>\n<p>Outre le fait qu&rsquo;elle <strong>\u00e9vite de payer des indemnit\u00e9s de remboursement anticip\u00e9,<\/strong> cette option permet de conserver le taux obtenu au d\u00e9part&nbsp;pour l&rsquo;acquisition d&rsquo;une nouvelle r\u00e9sidence principale. De quoi r\u00e9aliser th\u00e9oriquement de belles \u00e9conomies lorsque les taux repartent \u00e0 la hausse.<\/p>\n<p>N\u00e9gocier, obtenir et int\u00e9grer cette disposition devenait particuli\u00e8rement pertinent \u00e0 l&rsquo;heure actuelle pour tous ceux qui pensent \u00e0 la revente d&rsquo;ici quelques ann\u00e9es pas avant. Rien ne dit pourtant que les banques continueront \u00e0 l&rsquo;accorder \u00e0 l&rsquo;avenir.<\/p><\/div>\n<h2><strong>Actuellement d\u00e9favorable&nbsp;aux banques<\/strong><\/h2>\n<p>Particuli\u00e8rement <strong>avantageuse pour un emprunteur<\/strong> lorsque les taux sont attractifs comme ils le sont actuellement, m\u00eame si elle a n\u00e9cessairement un co\u00fbt en termes de conditions de financement, la transf\u00e9rabilit\u00e9 de pr\u00eat peut, en revanche, vite devenir<strong> co\u00fbteuse pour un \u00e9tablissement bancaire<\/strong>. En cons\u00e9quence de quoi, les banques sont devenues prudentes. Elles ne souhaitent plus s&rsquo;engager \u00e0 maintenir un taux de cr\u00e9dit tr\u00e8s avantageux sur une future acquisition qui interviendra dans 7 \u00e0 10 ans, alors que les prochains taux d&rsquo;int\u00e9r\u00eats ont toutes les chances de revenir \u00e0 la hausse.<\/p>\n<h2><strong>Des conditions d&rsquo;application pr\u00e9cises<\/strong><\/h2>\n<div>Pour les heureux emprunteurs d\u00e9tenteurs de l&rsquo;option de transf\u00e9rabilit\u00e9 inscrite dans l&rsquo;offre de pr\u00eat qu&rsquo;ils ont souscrit ces derniers mois ou ann\u00e9es, cette clause continuera s&rsquo;appliquer, sous certaines conditions, qui peuvent varier d&rsquo;un \u00e9tablissement \u00e0 l&rsquo;autre.<\/p>\n<p>En g\u00e9n\u00e9ral,&nbsp;la vente et l&rsquo;acquisition du nouveau bien doivent se faire dans un d\u00e9lai pr\u00e9cis\u00e9 par la banque (souvent inf\u00e9rieur \u00e0 6 mois mais en cas de relais, cela peut aller jusqu&rsquo;\u00e0 1 an).&nbsp;L&rsquo;achat doit \u00eatre pour le m\u00eame usage que le bien vendu (vente de la r\u00e9sidence principale et rachat de la r\u00e9sidence principale).&nbsp;La valeur du nouveau bien doit \u00eatre sup\u00e9rieure au capital restant d\u00fb \u00e0 transf\u00e9rer. De pr\u00e9f\u00e9rence, il ne doit pas y avoir eu d&rsquo;incidents de paiement sur le pr\u00eat.&nbsp;Enfin,&nbsp;l&rsquo;organisme de caution, le cas \u00e9ch\u00e9ant, doit accepter le transfert.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>La transf\u00e9rabilit\u00e9 du pr\u00eat risque fort de se faire rare si les taux d\u2019int\u00e9r\u00eats se maintiennent \u00e0 des niveaux si bas. Sous ce terme technique se cache une clause \u00e0 laquelle on va d\u2019embl\u00e9e pr\u00eater peu d\u2019attention lors d\u2019une recherche d\u2019un contrat de cr\u00e9dit. Elle consiste \u00e0 conserver son financement (et surtout son taux) initial lorsque le contrat de cr\u00e9dit pr\u00e9voit une option dite \u00ab\u00a0de transfert de pr\u00eat\u00a0\u00bb.<\/p>\n","protected":false},"author":4,"featured_media":1795,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1794","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 fin de la transf\u00e9rabilit\u00e9 des pr\u00eats ?<\/title>\n<meta name=\"description\" content=\"La transf\u00e9rabilit\u00e9 du pr\u00eat risque fort de se faire rare si les taux d\u2019int\u00e9r\u00eats se maintiennent \u00e0 des niveaux si bas.\" \/>\n<meta name=\"robots\" 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