{"id":1922,"date":"2018-09-18T23:19:32","date_gmt":"2018-09-18T21:19:32","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-bas-n-incitent-plus-a-la-renegociation-de-credit_-n.html"},"modified":"2020-07-28T15:30:42","modified_gmt":"2020-07-28T13:30:42","slug":"les-taux-bas-n-incitent-plus-a-la-renegociation-de-credit_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-bas-n-incitent-plus-a-la-renegociation-de-credit_-n.html","title":{"rendered":"Les taux bas n’incitent plus \u00e0 la ren\u00e9gociation de cr\u00e9dit"},"content":{"rendered":"

Apr\u00e8s la p\u00e9riode faste des ann\u00e9es 2016-2017 due \u00e0 la baisse spectaculaire des taux d’int\u00e9r\u00eats, la part de la ren\u00e9gociation de cr\u00e9dit est en forte baisse mais c’est logique. Explications.<\/p>\n

Moins de demandes<\/strong><\/h2>\n
En moins de deux ans, le march\u00e9 de la ren\u00e9gociation de cr\u00e9dit s’est effondr\u00e9<\/strong>. Alors que la part des ren\u00e9gociations dans les cr\u00e9dits \u00e0 l’habitat avait grimp\u00e9 \u00e0 61,6% en janvier 2017, un record historique qui avait g\u00e9n\u00e9r\u00e9 en son temps un engorgement dans les \u00e9tablissements bancaires, elle n’\u00e9tait plus que de 16,3% en juillet 2018<\/strong>, selon les donn\u00e9es de la Banque de France<\/a>.<\/p>\n

Pourquoi les particuliers se d\u00e9tournent-ils de cette pratique? Pour une fois, ce n’est pas parce que les banques se montrent trop tatillonnes, trop rigides ou trop prudentes. C’est tout simplement parce que les taux sont bas… depuis trop longtemps<\/strong>.<\/p>\n

Tous ceux qui avaient int\u00e9r\u00eat et\/ou l’opportunit\u00e9 de ren\u00e9gocier leur cr\u00e9dit l’ont d\u00e9j\u00e0 fait auparavant, effectuant au passage des baisses significatives de leur montant mensuel \u00e0 rembourser. Il n’y a donc tout simplement plus de postulants<\/strong>. Et pour ceux qui ont souscrit un cr\u00e9dit aux alentours de 2.5%, le b\u00e9n\u00e9fice de l’op\u00e9ration est largement moindre qu’avec un taux \u00e0 4%.(source LaVieImmo.com)<\/div>\n

Une op\u00e9ration qui se calcule au plus pr\u00e8s<\/strong><\/h2>\n
Pour \u00eatre r\u00e9ellement rentable et g\u00e9n\u00e9rer de belles \u00e9conomies, une op\u00e9ration de ren\u00e9gociation doit au mieux th\u00e9oriquement respecter ces trois r\u00e8gles<\/strong> :
\n\u00b7 L’\u00e9cart entre le taux d’origine et le taux actuel doit \u00eatre d’au moins 0.7 points, id\u00e9alement 1 point.
\n\u00b7 Il faut un capital restant d\u00fb minimum entre 70 000 et 80 000 euros (source acecredit)
\n\u00b7 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’emprunt initial<\/p>\n

Pour ceux tent\u00e9s par l’aventure, sachez qu’un emprunteur doit payer des indemnit\u00e9s de remboursement anticip\u00e9 (IRA, plafonn\u00e9s \u00e0 6 mois d’int\u00e9r\u00eats ou 3% du capital restant d\u00fb) et des frais de nouvelle garantie lorsqu’il fait racheter son cr\u00e9dit par une autre banque. Cette d\u00e9pense doit \u00eatre n\u00e9anmoins largement compens\u00e9e par le gain obtenu<\/strong> gr\u00e2ce au nouveau taux d’int\u00e9r\u00eats plus comp\u00e9titif et \u00e0 la nouvelle cotisation d’assurance emprunteur. C’est l\u00e0 tout l’int\u00e9r\u00eat de la ren\u00e9gociation.<\/p>\n

N’h\u00e9sitez pas \u00e0 solliciter l’expertise d’un courtier<\/strong> sp\u00e9cialis\u00e9 en pr\u00eat habitation comme acecredit.fr.Ces professionnels connaissent la politique commerciale 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.<\/div>\n","protected":false},"excerpt":{"rendered":"

Apr\u00e8s la p\u00e9riode faste des ann\u00e9es 2016-2017 due \u00e0 la baisse spectaculaire des taux d\u2019int\u00e9r\u00eats, la part de la ren\u00e9gociation de cr\u00e9dit est en forte baisse mais c\u2019est logique. Explications.<\/p>\n","protected":false},"author":4,"featured_media":1923,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nmoins de ren\u00e9gociations avec les taux bas<\/title>\n<meta name=\"description\" content=\"La part de la ren\u00e9gociation de cr\u00e9dit est actuellement en forte baisse mais c\u2019est logique. 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