{"id":2220,"date":"2019-10-10T01:06:53","date_gmt":"2019-10-09T23:06:53","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/rembourser-avant-la-fin-du-pret-immobilier-une-strategie-gagnante_-n.html"},"modified":"2020-07-28T15:30:35","modified_gmt":"2020-07-28T13:30:35","slug":"rembourser-avant-la-fin-du-pret-immobilier-une-strategie-gagnante_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/rembourser-avant-la-fin-du-pret-immobilier-une-strategie-gagnante_-n.html","title":{"rendered":"Rembourser avant la fin du pr\u00eat immobilier : une strat\u00e9gie gagnante ?"},"content":{"rendered":"
Qui paie ses dettes s’enrichit, dit le proverbe. Un cr\u00e9dit immobilier peut en effet se rembourser avant sa date d’\u00e9ch\u00e9ance finale en cas de revenus compl\u00e9mentaires ou de rachat de pr\u00eat. Quel est le meilleur moment ?
\n <\/div>\n

Les aspirants propri\u00e9taires sont nombreux \u00e0 vouloir profiter des taux bas actuels pour acqu\u00e9rir un bien immobilier : logement principal, r\u00e9sidence secondaire ou investissement locatif. Il faut \u00e9videmment souscrire un emprunt \u00e0 taux fixe et pouvoir moduler ses \u00e9ch\u00e9ances pour se donner de la souplesse lors de la dur\u00e9e de remboursement. Il est \u00e9galement tr\u00e8s int\u00e9ressant de n\u00e9gocier <\/strong>d\u00e8s le d\u00e9part l’absence de p\u00e9nalit\u00e9s en cas de remboursement anticip\u00e9<\/strong>. Quelques explications s’imposent.<\/p>\n

Des frais suppl\u00e9mentaires mais limit\u00e9s<\/h2>\n
En effet, en cas de rentr\u00e9e d’argent<\/strong> impr\u00e9vue (h\u00e9ritage par exemple) ou de la vente <\/strong>du bien, l’emprunteur peut \u00eatre tent\u00e9 de rembourser son pr\u00eat immobilier de mani\u00e8re anticip\u00e9e. Ce qu’il sera de toute fa\u00e7on oblig\u00e9 de faire s’il souhaite faire racheter son cr\u00e9dit<\/strong> par un autre \u00e9tablissement bancaire, processus tentant en cette p\u00e9riode de taux en baisse continue.<\/p>\n

Contrairement \u00e0 ce qu’on pourrait croire, cette action n’est pas gratuite<\/strong>, elle est m\u00eame p\u00e9nalis\u00e9e. Le remboursement anticip\u00e9 d\u00e9signe le remboursement total ou partiel d’un cr\u00e9dit immobilier et il va occasionner des frais<\/strong>, appel\u00e9s Indemnit\u00e9 de Remboursement Anticip\u00e9 (IRA),<\/strong> fix\u00e9e lors de la signature du contrat de pr\u00eat. Elle repr\u00e9sente au maximum 3 % du capital restant d\u00fb<\/strong>, c’est-\u00e0-dire ce qu’il reste \u00e0 rembourser au moment o\u00f9 l’emprunteur d\u00e9cide de rembourser par anticipation, ou \u00e0 6 mois d’int\u00e9r\u00eats. L’indemnit\u00e9 demand\u00e9e par la banque pr\u00eateuse correspondra toujours au plus faible des deux montants.<\/div>\n

Trouver le moment le plus opportun<\/h2>\n
Il convient de v\u00e9rifier que cette op\u00e9ration sera avantageuse financi\u00e8rement pour l’emprunteur.<\/strong> S’il lui reste seulement quelques ann\u00e9es de cr\u00e9dit \u00e0 payer, le remboursement anticip\u00e9 n’est pas syst\u00e9matiquement rentable pour l’emprunteur, en particulier si le taux d’int\u00e9r\u00eat est bas, comme c’est le cas actuellement. En revanche, s’il reste une longue p\u00e9riode de remboursement \u00e0 courir <\/strong>(au moins la moiti\u00e9 de la dur\u00e9e initialement pr\u00e9vue), le remboursement s’av\u00e9rera toujours avantageux.<\/p>\n

Les indemnit\u00e9s de remboursement anticip\u00e9 se n\u00e9gocient avant la signature du contrat de pr\u00eat. Depuis le 1er<\/sup> juillet 1999, tous les pr\u00eats conclus \u00e0 cette date ne sont plus soumis \u00e0 des IRA lors de la vente du logement suite \u00e0 un changement de lieu de travail<\/strong>, \u00e0 la cessation forc\u00e9e<\/strong> de son activit\u00e9 professionnelle et le d\u00e9c\u00e8s<\/strong> de l’emprunteur ou de la personne avec qui il vit en couple.<\/div>\n","protected":false},"excerpt":{"rendered":"

Qui paie ses dettes s\u2019enrichit, dit le proverbe. Un cr\u00e9dit immobilier peut en effet se rembourser avant sa date d\u2019\u00e9ch\u00e9ance finale en cas de revenus compl\u00e9mentaires ou de rachat de pr\u00eat. Quel est le meilleur moment ?<\/p>\n","protected":false},"author":4,"featured_media":2221,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2220","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nBien n\u00e9gocier son remboursement anticip\u00e9 de cr\u00e9dit immobilier<\/title>\n<meta name=\"description\" content=\"Qui paie ses dettes s\u2019enrichit. Un cr\u00e9dit immobilier se rembourse avant sa date d\u2019\u00e9ch\u00e9ance finale. Comment fire ? 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