{"id":270,"date":"2013-07-12T12:20:46","date_gmt":"2013-07-12T10:20:46","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/rembourser-un-pret-par-anticipation-une-bonne-affaire_-n.html"},"modified":"2020-07-28T15:33:18","modified_gmt":"2020-07-28T13:33:18","slug":"rembourser-un-pret-par-anticipation-une-bonne-affaire_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/rembourser-un-pret-par-anticipation-une-bonne-affaire_-n.html","title":{"rendered":"Rembourser un pr\u00eat par anticipation : une bonne affaire ?"},"content":{"rendered":"<p>La premi\u00e8re concerne la dur\u00e9e du pr\u00eat restant. Si celle-ci est sup\u00e9rieure au nombre de mensualit\u00e9s d\u00e9j\u00e0 vers\u00e9es, le remboursement par anticipation est int\u00e9ressant. Sinon, mieux vaut placer la manne impr\u00e9vue et continuer \u00e0 rembourser votre pr\u00eat normalement.<\/p>\n<p>&nbsp;<\/p>\n<p>Deuxi\u00e8me point \u00e0 \u00e9tudier attentivement&nbsp;: le montant de la \u00ab&nbsp;p\u00e9nalit\u00e9&nbsp;\u00bb appliqu\u00e9e par l&rsquo;organisme emprunteur. En g\u00e9n\u00e9ral, elle repr\u00e9sente 3% du capital restant d\u00fb, sans d\u00e9passer toutefois un maximum \u00e9quivalent \u00e0 6 mois d&rsquo;int\u00e9r\u00eat. Lors de la signature du pr\u00eat, cette indemnit\u00e9 peut \u00eatre n\u00e9goci\u00e9e \u00e0 la baisse. Pour les pr\u00eats obtenus depuis le 1er juillet 1999, le remboursement peut m\u00eame \u00eatre exon\u00e9r\u00e9 de cette indemnit\u00e9 dans certains cas&nbsp;: vente du bien immobilier suite \u00e0 un changement du lieu d&rsquo;activit\u00e9 professionnelle, perte d&#8217;emploi ou d\u00e9c\u00e8s. Elle sera dans tous les cas appliqu\u00e9e en cas de rachat du cr\u00e9dit par un organisme bancaire concurrent.<\/p>\n<p>&nbsp;<\/p>\n<p>Le dernier point \u00e0 \u00e9tudier concerne votre situation patrimoniale et fiscale&nbsp;: jeune couple avec enfants en bas \u00e2ge, senior investisseur ou c\u00e9libataire avec des projets de d\u00e9penses importantes (voiture, voyages\u0085)&nbsp;: les calculs seront bien diff\u00e9rents. <\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size:12.0pt;font-family:Tahoma\">N&rsquo;h\u00e9sitez pas \u00e0 vous adresser \u00e0 l&rsquo;agence ACE la plus proche de chez<\/a> vous afin d&rsquo;\u00e9tudier pr\u00e9cis\u00e9ment votre situation avant de prendre votre d\u00e9cision !<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous \u00eates l&rsquo;heureux b\u00e9n\u00e9ficiaire d&rsquo;une rentr\u00e9e d&rsquo;argent impr\u00e9vue et vous souhaitez en profiter pour rembourser tout ou partie de votre pr\u00eat immobilier qui p\u00e8se lourd dans votre budget mensuel ? Avant de vous lancer dans cette op\u00e9ration, mieux vaut se poser quelques questions.<\/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-270","post","type-post","status-publish","format-standard","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>Rembourser un pr\u00eat par anticipation : une bonne affaire ? - 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\/rembourser-un-pret-par-anticipation-une-bonne-affaire_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rembourser un pr\u00eat par anticipation : une bonne affaire ? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Vous \u00eates l&#039;heureux b\u00e9n\u00e9ficiaire d&#039;une rentr\u00e9e d&#039;argent impr\u00e9vue et vous souhaitez en profiter pour rembourser tout ou partie de votre pr\u00eat immobilier qui p\u00e8se lourd dans votre budget mensuel ? 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