{"id":260,"date":"2013-02-20T16:47:27","date_gmt":"2013-02-20T15:47:27","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/comment-renegocier-son-pret_-n.html"},"modified":"2020-07-28T15:33:46","modified_gmt":"2020-07-28T13:33:46","slug":"comment-renegocier-son-pret_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/comment-renegocier-son-pret_-n.html","title":{"rendered":"Comment ren\u00e9gocier son pr\u00eat ?"},"content":{"rendered":"

Les taux d’int\u00e9r\u00eat sont historiquement bas. Si vous avez contract\u00e9 un emprunt \u00e0 un taux de 4,5% ou plus, il est encore temps de ren\u00e9gocier votre cr\u00e9dit.<\/a> Vous y ferez de substantielles \u00e9conomies et vous pourrez en raccourcir la dur\u00e9e. Le jeu en vaut donc la chandelle !<\/p>\n

Une bonne situation \u00e9conomique <\/b>
\nLa ren\u00e9gociation ne sera possible que si votre situation \u00e9conomique n’a pas \u00e9volu\u00e9 \u00e0 la baisse : situation d’emploi, revenus, budget familial\u0085 Vos conditions de remboursement ne doivent pr\u00e9senter aucun risque. Avant de vous lancer, commencez par effectuer une simulation en calculant la dur\u00e9e et les mensualit\u00e9s du cr\u00e9dit aux taux en vigueur actuellement, sur le capital vous restant \u00e0 rembourser. S’il s’av\u00e8re que l’\u00e9conomie est non n\u00e9gligeable, vous arriverez ainsi bien arm\u00e9 lors des discussions avec vos interlocuteurs banquiers.<\/p>\n

Puis interrogez prioritairement votre banque actuelle sur la possibilit\u00e9 de ren\u00e9gocier le pr\u00eat en cours. En toute logique, elle risque fort de tra\u00eener des pieds, voire de refuser, puisqu’il s’agit pour elle d’une baisse de rentabilit\u00e9. Vous pourrez alors d\u00e9marcher d’autres \u00e9tablissements bancaires ou vous adresser \u00e0 un courtier qui \u00e9tudiera pour vous les meilleures offres disponibles sur le march\u00e9. Sachez que les banques sont toujours int\u00e9ress\u00e9es par l’acquisition d’un nouveau client, surtout lorsque le dossier a d\u00e9j\u00e0 \u00e9t\u00e9 accept\u00e9 par un concurrent !
\nComme pour la n\u00e9gociation d’un pr\u00eat nouveau, veillez notamment aux frais annexes, conditions de garantie, assurances et aux indemnit\u00e9s \u00e9ventuelles de remboursement anticip\u00e9.
\n 
\nDes \u00e9conomies substantielles<\/b>
\nUne fois tous ces \u00e9l\u00e9ments d\u00e9finis, un petit retour aupr\u00e8s de votre banquier peut r\u00e9server une bonne surprise : il sera peut-\u00eatre enclin \u00e0 faire un effort pour conserver un bon client.
\nAu final, les \u00e9conomies peuvent s’av\u00e9rer particuli\u00e8rement int\u00e9ressantes. De l’ordre de 25 \u00e0 35 000 Euros en moyenne, selon les professionnels.<\/p>\n","protected":false},"excerpt":{"rendered":"

Les taux d’int\u00e9r\u00eat sont historiquement bas. Si vous avez contract\u00e9 un emprunt \u00e0 un taux de 4,5% ou plus, il est encore temps de ren\u00e9gocier votre cr\u00e9dit. Vous y ferez de substantielles \u00e9conomies et vous pourrez en raccourcir la dur\u00e9e. Le jeu en vaut donc la chandelle !<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-260","post","type-post","status-publish","format-standard","hentry","category-actualites"],"yoast_head":"\nComment ren\u00e9gocier son pr\u00eat ? - Ace Cr\u00e9dit<\/title>\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\/comment-renegocier-son-pret_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment ren\u00e9gocier son pr\u00eat ? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les taux d'int\u00e9r\u00eat sont historiquement bas. 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