{"id":2276,"date":"2019-12-14T12:24:53","date_gmt":"2019-12-14T11:24:53","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-bas-relancent-les-renegociations-de-credit-immobilier_-n.html"},"modified":"2020-07-28T15:30:33","modified_gmt":"2020-07-28T13:30:33","slug":"les-taux-bas-relancent-les-renegociations-de-credit-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-bas-relancent-les-renegociations-de-credit-immobilier_-n.html","title":{"rendered":"Les taux bas relancent les ren\u00e9gociations de cr\u00e9dit immobilier"},"content":{"rendered":"<div>Les taux en baisse depuis 6 mois ont permis \u00e0 des nombreux emprunteurs de ren\u00e9gocier leur cr\u00e9dit cet automne. En octobre, un<strong> quart des cr\u00e9dits accord\u00e9s <\/strong>correspondait \u00e0 une <strong>ren\u00e9gociation<\/strong>, selon les chiffres de la Banque de France.<\/p>\n<p>Les taux du cr\u00e9dit immobilier n&rsquo;en finissent plus de baisser depuis le d\u00e9but de l&rsquo;ann\u00e9e pour le plus grand bonheur des futurs propri\u00e9taires souvent primo-acc\u00e9dants qui souhaitent investir dans leur r\u00e9sidence principale. L&rsquo;observatoire Cr\u00e9dit Logement\/CSA a estim\u00e9 pour le mois de novembre un taux moyen toutes dur\u00e9es confondues de 1.12%<\/a> (hors assurance). Les pr\u00eats ont des <strong>dur\u00e9es plut\u00f4t longues, 19 ans en moyenne<\/strong> et l&rsquo;apport personnel r\u00e9clam\u00e9 par les banques a lui aussi suivi un fort mouvement \u00e0 la baisse, permettant aux m\u00e9nages modestes de revenir dans le march\u00e9 immobilier. Le mill\u00e9sime 2019 s&rsquo;annonce donc exceptionnel, avec de nouveaux records en termes de volumes d&#8217;emprunts accord\u00e9s.<\/div>\n<h2>L&rsquo;occasion de faire des \u00e9conomies<\/h2>\n<p>Mais les nouveaux acheteurs ne sont pas les seuls \u00e0 profiter de cette situation in\u00e9dite et particuli\u00e8rement favorable \u00e0 l&#8217;emprunt immobilier. Les propri\u00e9taires qui ont emprunt\u00e9 il y a quelques ann\u00e9es, voire&nbsp;une dizaine de mois \u00e0 peine, en profitent aussi pour ren\u00e9gocier leur pr\u00eat. D&rsquo;apr\u00e8s les donn\u00e9es de la Banque de France, <strong>26% des cr\u00e9dits produits en octobre<\/strong> correspondent en r\u00e9alit\u00e9 \u00e0 une ren\u00e9gociation. A titre de comparaison, ce ratio \u00e9tait de seulement 16,4% en octobre 2018. Le record historique, avec 62% de ren\u00e9gociations dans la production totale de cr\u00e9dit en janvier 2017, ne sera pas battu cette ann\u00e9e.<\/p>\n<h2>Surtout en d\u00e9but de pr\u00eat<\/h2>\n<div>Le jeu de la ren\u00e9gociation consiste \u00e0 obtenir de sa banque ou d&rsquo;une autre <strong>des conditions de financement plus favorables<\/strong> que celles d\u00e9j\u00e0 obtenues : <strong>r\u00e9duction de la dur\u00e9e<\/strong> du cr\u00e9dit ou <strong>diminution de la mensualit\u00e9<\/strong>, id\u00e9alement les deux. Cette d\u00e9marche est particuli\u00e8rement opportune si l&rsquo;\u00e9cart entre le taux initialement contract\u00e9 et celui de l&rsquo;offre du march\u00e9 est d&rsquo;<strong>au moins 0.80%.<\/strong> Et si la dur\u00e9e restante de remboursement est <strong>sup\u00e9rieure \u00e0 la moiti\u00e9 de la dur\u00e9e totale<\/strong> de l&#8217;emprunt initial.<\/p>\n<p>Les int\u00e9r\u00eats se remboursent en effet au d\u00e9but d&rsquo;un pr\u00eat (jusqu&rsquo;\u00e0 50% de la mensualit\u00e9 les deux premi\u00e8res ann\u00e9es pour les cr\u00e9dits sur 20 ans). Lors d&rsquo;une ren\u00e9gociation, l&#8217;emprunteur va payer des indemnit\u00e9s de remboursement anticip\u00e9 (IRA, plafonn\u00e9s \u00e0 6 mois d&rsquo;int\u00e9r\u00eats ou 3 % du capital restant d\u00fb) et des frais de nouvelle garantie. A lui de v\u00e9rifier que cette d\u00e9pense soit largement compens\u00e9e par 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>Les taux en baisse depuis 6 mois ont permis \u00e0 des nombreux emprunteurs de ren\u00e9gocier leur cr\u00e9dit cet automne. En octobre, un quart des cr\u00e9dits accord\u00e9s correspondait \u00e0 une ren\u00e9gociation.<\/p>\n","protected":false},"author":4,"featured_media":2277,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2276","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>Les emprunteurs profitent des taux pour ren\u00e9gocier leur cr\u00e9dit immobilier et obtenir le meilleur taux<\/title>\n<meta name=\"description\" content=\"Les taux tr\u00e8s faibles permettent aux emprunteurs de ren\u00e9gocier leur cr\u00e9dit. En octobre, 25% des cr\u00e9dits accord\u00e9s \u00e9taient une ren\u00e9gociation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-bas-relancent-les-renegociations-de-credit-immobilier_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les emprunteurs profitent des taux pour ren\u00e9gocier leur cr\u00e9dit immobilier et obtenir le meilleur taux\" \/>\n<meta property=\"og:description\" content=\"Les taux tr\u00e8s faibles permettent aux emprunteurs de ren\u00e9gocier leur cr\u00e9dit. 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