{"id":1966,"date":"2018-11-16T00:56:27","date_gmt":"2018-11-15T23:56:27","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/epargne-ou-remboursement-anticipe-comment-choisir-judicieusement_-n.html"},"modified":"2020-07-28T15:30:41","modified_gmt":"2020-07-28T13:30:41","slug":"epargne-ou-remboursement-anticipe-comment-choisir-judicieusement_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/epargne-ou-remboursement-anticipe-comment-choisir-judicieusement_-n.html","title":{"rendered":"Epargne ou remboursement anticip\u00e9 : comment choisir judicieusement ?"},"content":{"rendered":"<p>H\u00e9ritage, \u00e9pargne, prime, bonus\u2026 \u00e0 l&rsquo;\u00e9chelle d&rsquo;une dur\u00e9e d&#8217;emprunt immobilier qui se compte en dizaines d\u2018ann\u00e9es, il n&rsquo;est pas rare de disposer au bout d&rsquo;un certain temps d&rsquo;un <strong>montant financier suffisamment important<\/strong> pour que l&rsquo;on se pose la question de savoir s&rsquo;il faut s&rsquo;orienter vers un investissement en \u00e9p<strong>a<\/strong>rgne ou, au contraire, privil\u00e9gier le <strong>remboursement<\/strong> de son emprunt immobilier. Solder son pr\u00eat peut para\u00eetre plus int\u00e9ressant mais ce n&rsquo;est pas toujours le cas.<\/p>\n<h2>Un choix complexe<\/h2>\n<div>La situation personnelle des emprunteurs \u00e9volue toujours avec le temps. Pendant une dur\u00e9e de 10 ou 20 ans, de nombreux \u00e9v\u00e9nements familiaux, professionnels, financiers vont venir <strong>changer la donne<\/strong> de d\u00e9part. Lors d&rsquo;une grosse rentr\u00e9e d&rsquo;argent, situation assez courante notamment suite \u00e0 un h\u00e9ritage, une question devient alors l\u00e9gitime : doit-on solder son emprunt immobilier ?<\/p>\n<p>En soldant son pr\u00eat, l&#8217;emprunteur&nbsp;<strong>s&rsquo;enl\u00e8vera une charge<\/strong> mais se privera par ailleurs d&rsquo;un capital pouvant \u00eatre replac\u00e9. En conservant son pr\u00eat, il pourra <strong>placer son capital<\/strong> et y puiser les fonds n\u00e9cessaires pour payer ses \u00e9ch\u00e9ances. La r\u00e9mun\u00e9ration faible de l&rsquo;\u00e9pargne et les taux bas ont rendu la r\u00e9ponse moins \u00e9vidente qu&rsquo;auparavant.<\/p>\n<p>Un emprunteur aura donc tout int\u00e9r\u00eat \u00e0 \u00e9tudier de tr\u00e8s pr\u00e8s les avantages d&rsquo;utiliser une partie de cet argent pour solder plus rapidement une partie de son pr\u00eat immobilier. D&rsquo;autant que la logique math\u00e9matique lui donne raison, m\u00eame dans le cas d&rsquo;un remboursement partiel. Th\u00e9oriquement, plus <strong>vite<\/strong> un cr\u00e9dit est <strong>rembours\u00e9<\/strong>, <strong>moins<\/strong> il est <strong>on\u00e9reux<\/strong> en int\u00e9r\u00eats et en assurance.<\/div>\n<h2>Comparer les taux d&rsquo;int\u00e9r\u00eats mais pas seulement<\/h2>\n<div>Il convient d&rsquo;\u00eatre vigilant sur <strong>3 principaux points<\/strong> pour ne pas \u00eatre perdant et choisir la bonne op\u00e9ration. De mani\u00e8re intuitive, pour choisir entre \u00e9pargne ou remboursement, il suffirait de comparer le cout de l&#8217;emprunt au taux auquel peut \u00eatre plac\u00e9 le capital. Il convient cependant d&rsquo;aller plus loin dans l&rsquo;analyse et de <strong>comparer les taux en tenant compte du co\u00fbt de l&rsquo;assurance emprunteur<\/strong> qui impacte fortement le co\u00fbt du cr\u00e9dit lorsque ceux-ci sont accord\u00e9s \u00e0 des taux tr\u00e8s faibles. De m\u00eame, le<strong> rendement net du placement<\/strong> envisag\u00e9 comme alternative est \u00e9galement &nbsp;\u00e0 \u00e9tudier de pr\u00e8s, sans oublier la <strong>fiscalit\u00e9<\/strong> adoss\u00e9e \u00e0 ce placement qui peut venir amoindrir le rendement.<\/p>\n<p>Reste un troisi\u00e8me facteur : les <strong>frais li\u00e9s au remboursement anticip\u00e9<\/strong>. En effet, dans le cas d&rsquo;un remboursement anticip\u00e9, m\u00eame (surtout) partiel, la banque facture \u00e0 l&#8217;emprunteur des <strong>p\u00e9nalit\u00e9s<\/strong>, plafonn\u00e9es par la loi, au montant le plus faible entre 6 mois d&rsquo;int\u00e9r\u00eats du montant rembours\u00e9 ou 3 % du capital restant d\u00fb. Il suffit de demander \u00e0 sa banque d&rsquo;effectuer le calcul pr\u00e9cis de ces indemnit\u00e9s de remboursement anticip\u00e9 (IRA) mais en g\u00e9n\u00e9ral, il faut compter de plusieurs centaines \u00e0 plusieurs milliers d&rsquo;euros.<\/p>\n<p>Pour \u00eatre s\u00fbr de prendre la bonne d\u00e9cision, il est judicieux de faire des simulations pr\u00e9alables avec un conseiller financier qui tiendra aussi compte de la situation individuelle de l&#8217;emprunteur et de ses projets \u00e0 court et moyen terme.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>H\u00e9ritage, \u00e9pargne, prime, bonus\u2026 il n\u2019est pas rare de disposer au bout d\u2019un certain temps d\u2019un montant financier suffisamment important pour h\u00e9siter entre un investissement en \u00e9pargne ou le remboursement de son emprunt immobilier. Solder son pr\u00eat peut para\u00eetre plus int\u00e9ressant mais ce n\u2019est pas toujours le cas.<\/p>\n","protected":false},"author":4,"featured_media":1967,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1966","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>Ne plus h\u00e9siter entre \u00e9pargne ou remboursement anticip\u00e9<\/title>\n<meta name=\"description\" content=\"H\u00e9ritage, prime\u2026quand on dispose d\u2019un important montant financier, comment choisir entre \u00e9pargner ou rembourser son cr\u00e9dit immobilier.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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