{"id":271,"date":"2013-07-12T12:23:24","date_gmt":"2013-07-12T10:23:24","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html"},"modified":"2020-07-28T15:33:18","modified_gmt":"2020-07-28T13:33:18","slug":"pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html","title":{"rendered":"Pour faire face aux al\u00e9as de la vie, optez pour un pr\u00eat modulable !"},"content":{"rendered":"<p><span style=\"font-family:Arial\">Applicable aux emprunts \u00e0 taux fixes, la modularit\u00e9 permet d&rsquo;adapter les remboursements d&rsquo;un pr\u00eat immobilier \u00e0 vos al\u00e9as. Avec cette option, vous pourrez b\u00e9n\u00e9ficier d&rsquo;une grande souplesse puisque tant les mensualit\u00e9s que la dur\u00e9e du pr\u00eat peuvent \u00eatre modifi\u00e9s en cours de route selon vos besoins. En revanche, le taux d&#8217;emprunt n\u00e9goci\u00e9 au d\u00e9part, ne subit aucune modification.<\/span><\/p>\n<p><span style=\"font-family:Arial\">&nbsp;<\/span><\/p>\n<p><span style=\"font-family:Arial\">La mise en \u009cuvre de cette modularit\u00e9 m\u00e9rite tout de m\u00eame une petite r\u00e9flexion. Lorsqu&rsquo;il s&rsquo;agit de modifier le montant des mensualit\u00e9s \u0096 \u00e0 la hausse ou \u00e0 la baisse \u0096 c&rsquo;est en g\u00e9n\u00e9ral pour une dur\u00e9e d&rsquo;un an minimum. En revanche, le report d&rsquo;\u00e9ch\u00e9ance joue sur des p\u00e9riodes courtes, de 3 \u00e0 12 mois en moyenne selon les contrats, permettant ainsi de passer un mauvais cap financier.<\/span><\/p>\n<p><span style=\"font-family:Arial\">&nbsp;<\/span><\/p>\n<p><span style=\"font-family:Arial\">Le rallongement de la dur\u00e9e de remboursement, s&rsquo;il ne g\u00e9n\u00e8re pas forc\u00e9ment de frais de la part de l&rsquo;organisme pr\u00eateur, provoque m\u00e9caniquement une hausse du co\u00fbt global du cr\u00e9dit.<\/span><\/p>\n<p><span style=\"font-family:Arial\">&nbsp;<\/span><\/p>\n<p><span style=\"font-family:Arial\">Le co\u00fbt du pr\u00eat modulable est extr\u00eamement variable selon les banques&nbsp;: gratuit ou payant, factur\u00e9 \u00e0 chaque modulation ou calcul\u00e9 sur un pourcentage du capital restant d\u00fb&#8230; En r\u00e8gle g\u00e9n\u00e9rale, la banque n&rsquo;accepte pas plus d&rsquo;une modulation par an, souvent \u00e0 la date anniversaire du contrat.<\/span><\/p>\n<p><span style=\"font-family:Arial\">&nbsp;<\/span><\/p>\n<p><span style=\"font-size:12.0pt;font-family:Arial\">Vous souhaitez en savoir davantage sur le pr\u00eat modulable&nbsp;? Contactez l&rsquo;agence ACE la plus proche de chez vous&nbsp;! <\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les parcours professionnels et personnels de chacun ne sont pas un long fleuve tranquille. Difficile donc de s&rsquo;engager pour 15 \u00e0 25 ans, m\u00eame pour rembourser un emprunt immobilier. Avez-vous pens\u00e9 au pr\u00eat modulable ?<\/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-271","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>Pour faire face aux al\u00e9as de la vie, optez pour un pr\u00eat modulable ! - 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\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pour faire face aux al\u00e9as de la vie, optez pour un pr\u00eat modulable ! - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les parcours professionnels et personnels de chacun ne sont pas un long fleuve tranquille. Difficile donc de s&#039;engager pour 15 \u00e0 25 ans, m\u00eame pour rembourser un emprunt immobilier. Avez-vous pens\u00e9 au pr\u00eat modulable ?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2013-07-12T10:23:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:33:18+00:00\" \/>\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\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Pour faire face aux al\u00e9as de la vie, optez pour un pr\u00eat modulable !\",\"datePublished\":\"2013-07-12T10:23:24+00:00\",\"dateModified\":\"2020-07-28T13:33:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html\"},\"wordCount\":265,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pour faire face aux al\u00e9as de la vie, optez pour un pr\u00eat modulable !\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pour faire face aux al\u00e9as de la vie, optez pour un pr\u00eat modulable ! - Ace Cr\u00e9dit","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"Pour faire face aux al\u00e9as de la vie, optez pour un pr\u00eat modulable ! - Ace Cr\u00e9dit","og_description":"Les parcours professionnels et personnels de chacun ne sont pas un long fleuve tranquille. Difficile donc de s'engager pour 15 \u00e0 25 ans, m\u00eame pour rembourser un emprunt immobilier. Avez-vous pens\u00e9 au pr\u00eat modulable ?","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2013-07-12T10:23:24+00:00","article_modified_time":"2020-07-28T13:33:18+00:00","author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Pour faire face aux al\u00e9as de la vie, optez pour un pr\u00eat modulable !","datePublished":"2013-07-12T10:23:24+00:00","dateModified":"2020-07-28T13:33:18+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html"},"wordCount":265,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pour-faire-face-aux-aleas-de-la-vie-optez-pour-un-pret-modulable_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Pour faire face aux al\u00e9as de la vie, optez pour un pr\u00eat modulable !"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/271","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=271"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/271\/revisions"}],"predecessor-version":[{"id":4187,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/271\/revisions\/4187"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=271"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=271"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}