{"id":2582,"date":"2020-05-04T11:29:57","date_gmt":"2020-05-04T09:29:57","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/report-d-echeances-ou-modulation-quels-couts_-n.html"},"modified":"2020-07-28T15:30:32","modified_gmt":"2020-07-28T13:30:32","slug":"report-d-echeances-ou-modulation-quels-couts_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/report-d-echeances-ou-modulation-quels-couts_-n.html","title":{"rendered":"Report d&rsquo;\u00e9ch\u00e9ances ou modulation, quels co\u00fbts ?"},"content":{"rendered":"<p>Avec la mise en ch\u00f4mage partiel ou la perte d&rsquo;activit\u00e9 caus\u00e9e par le confinement, des millions de Fran\u00e7ais subissent une baisse de leurs revenus. Pour \u00e9quilibrer leur budget, certains envisagent le report de leurs \u00e9ch\u00e9ances de pr\u00eat.<\/p>\n<h2>Les modalit\u00e9s du report d&rsquo;\u00e9ch\u00e9ances<\/h2>\n<p>Si la mention d&rsquo;un possible report d&rsquo;\u00e9ch\u00e9ances n&rsquo;est pas rare dans les contrats de\u00a0<a class=\"fDefault\" href=\"https:\/\/www.acecredit.fr\/\">pr\u00eat immobilier<\/a>, il faut savoir que seuls\u00a0<a class=\"fDefault\" title=\"Faut-il choisir un taux fixe ou un taux variable ? - acecr\u00e9dit\" href=\"https:\/\/www.acecredit.fr\/fr\/taux-fixe-ou-taux-variable.html\">les cr\u00e9dits \u00e0 taux fixes, \u00e0 taux variables<\/a>\u00a0ou \u00e0 taux mixtes sont concern\u00e9s. De plus, il n&rsquo;est possible de l&rsquo;activer que si le contrat est en cours de remboursement depuis au moins deux ans. Normalement<b>, la pause paiement est pr\u00e9vue dans les conditions g\u00e9n\u00e9rales du pr\u00eat<\/b>. Si ce n&rsquo;est pas le cas, il faudra la n\u00e9gocier avec sa banque. Dans cette crise sanitaire, elles font plut\u00f4t preuve de souplesse pour assurer la continuit\u00e9 du remboursement. Deux options sont alors possibles\u00a0:<\/p>\n<ul>\n<li><b>La suspension temporaire du paiement<\/b> avec un report possible de 1 \u00e0 12 mois selon les contrats de pr\u00eat. Pour cela, il faut adresser un courrier motiv\u00e9 \u00e0 son conseiller un \u00e0 deux mois avant la date de report souhait\u00e9e. En retour, l&#8217;emprunteur re\u00e7oit un avenant et un nouveau tableau d&rsquo;amortissement.<\/li>\n<li><b>La baisse du montant de la mensualit\u00e9<\/b> si une clause de modularit\u00e9 figure au contrat de pr\u00eat. Elle pourra \u00eatre r\u00e9duite de 10 \u00e0 30% pendant plusieurs mois sans pour autant allonger de plus de deux ans la dur\u00e9e de remboursement initiale. Au-del\u00e0, l&rsquo;op\u00e9ration serait consid\u00e9r\u00e9e comme une restructuration de dettes.<\/li>\n<\/ul>\n<h2>Deux cons\u00e9quences financi\u00e8res<\/h2>\n<p>La premi\u00e8re cons\u00e9quence concerne la dur\u00e9e du pr\u00eat\u00a0: les \u00e9ch\u00e9ances \u00e9tant report\u00e9es \u00e0 la fin du contrat, <b>la dur\u00e9e de remboursement est allong\u00e9e<\/b>. En cas de report partiel, la dur\u00e9e d&rsquo;allongement sera \u00e9gale \u00e0 celle du report mais s&rsquo;il est total, elle d\u00e9pendra du moment o\u00f9 elle est report\u00e9e, du taux et de la dur\u00e9e choisie. En g\u00e9n\u00e9ral, elle sera sup\u00e9rieure au report partiel.<\/p>\n<p>La seconde cons\u00e9quence touche directement au co\u00fbt. Avec un report partiel, le capital est suspendu, il reste alors les int\u00e9r\u00eats et l&rsquo;assurance de pr\u00eat \u00e0 payer. Mais si le report est total, seule l&rsquo;assurance de pr\u00eat est due. Le capital restant d\u00fb sera alors augment\u00e9 des int\u00e9r\u00eats impay\u00e9s qui g\u00e9n\u00e9reront \u00e0 leur tour des int\u00e9r\u00eats dits intercalaires. Par ailleurs, le report en d\u00e9but de cr\u00e9dit sera plus on\u00e9reux qu&rsquo;\u00e0 la fin dans la mesure o\u00f9 l&rsquo;\u00e9ch\u00e9ance est principalement constitu\u00e9e d&rsquo;int\u00e9r\u00eats. \u00c0 la fin, il sera consid\u00e9r\u00e9 davantage comme une simple interruption de cr\u00e9dit. Par exemple, pour un pr\u00eat de 200\u00a0000\u20ac sur 20 ans \u00e0 1,5% d&rsquo;int\u00e9r\u00eats, le report d&rsquo;une mensualit\u00e9 pendant trois mois en d\u00e9but de pr\u00eat allongera le cr\u00e9dit de quatre mois et co\u00fbtera 1 000\u20ac de plus.<\/p>\n<p>En conclusion, si l&rsquo;on prend comme seul param\u00e8tre le pouvoir d&rsquo;achat de l&#8217;emprunteur<b>, le report partiel sera moins on\u00e9reux <\/b>mais ne lui fera gagner que 30% de la mensualit\u00e9. \u00c0 l&rsquo;inverse, la clause de modularit\u00e9 augmentera la dur\u00e9e du pr\u00eat mais <b>comme l&rsquo;\u00e9ch\u00e9ance comportera toujours une bonne partie de capital, il aura moins d&rsquo;int\u00e9r\u00eats \u00e0 payer<\/b>, surtout si elle intervient en fin de contrat.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avec la baisse des revenus engendr\u00e9e par la crise sanitaire, le report d\u2019\u00e9ch\u00e9ance de pr\u00eat immobilier est per\u00e7u comme une v\u00e9ritable bouff\u00e9e d\u2019oxyg\u00e8ne. Il faut cependant bien calculer les co\u00fbts.<\/p>\n","protected":false},"author":4,"featured_media":2583,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2582","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>Report d&#039;\u00e9ch\u00e9ances ou modulation, quels co\u00fbts ?<\/title>\n<meta name=\"description\" content=\"Avec la baisse des revenus engendr\u00e9e par la crise sanitaire, le report d\u2019\u00e9ch\u00e9ance de pr\u00eat immobilier est per\u00e7u comme une v\u00e9ritable bouff\u00e9e d\u2019oxyg\u00e8ne. Il faut cependant bien calculer les co\u00fbts.\" \/>\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\/report-d-echeances-ou-modulation-quels-couts_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Report d&#039;\u00e9ch\u00e9ances ou modulation, quels co\u00fbts ?\" \/>\n<meta property=\"og:description\" content=\"Avec la baisse des revenus engendr\u00e9e par la crise sanitaire, le report d\u2019\u00e9ch\u00e9ance de pr\u00eat immobilier est per\u00e7u comme une v\u00e9ritable bouff\u00e9e d\u2019oxyg\u00e8ne. Il faut cependant bien calculer les co\u00fbts.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/report-d-echeances-ou-modulation-quels-couts_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2020-05-04T09:29:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:30:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/couple-reflechi.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"684\" \/>\n\t<meta property=\"og:image:height\" content=\"456\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" 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