{"id":280,"date":"2014-07-10T11:53:54","date_gmt":"2014-07-10T09:53:54","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/baisse-des-taux-c-est-le-moment-d-en-profiter_-n.html"},"modified":"2020-07-28T15:33:15","modified_gmt":"2020-07-28T13:33:15","slug":"baisse-des-taux-c-est-le-moment-d-en-profiter_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/baisse-des-taux-c-est-le-moment-d-en-profiter_-n.html","title":{"rendered":"Baisse des taux : c&rsquo;est le moment d&rsquo;en profiter !"},"content":{"rendered":"<p><span>On ne vous le dira jamais assez&nbsp;: les taux d&#8217;emprunt sont au plus bas. Alors qu&rsquo;ils pouvaient facilement d\u00e9passer les 5% en 2008, les taux ont aujourd&rsquo;hui d\u00e9gringol\u00e9 sous la barre des 3% pour un pr\u00eat jusqu&rsquo;\u00e0 20 ans. <\/span><\/p>\n<p><span>La situation est donc id\u00e9ale pour acqu\u00e9rir un bien immobilier. Mais il ne faut pas tarder&nbsp;: arriv\u00e9s \u00e0 un tel niveau, les taux ne pourront que remonter, \u00e0 plus ou moins long terme. <\/span><\/p>\n<p><span>&nbsp;<\/span><\/p>\n<p><span>Si vous lancez votre projet actuellement, pensez aussi \u00e0 \u00e9tudier la solution du taux mixte, qui permet de garantir une p\u00e9riode \u00e0 taux fixe, suivie d&rsquo;une p\u00e9riode \u00e0 taux variable cap\u00e9 <i>(taux dont la variation maximum est limit\u00e9e)<\/i>.<\/span><\/p>\n<p><span>&nbsp;<\/span><\/p>\n<p><span>Si vous \u00eates d\u00e9j\u00e0 propri\u00e9taire, nous vous conseillons d&rsquo;\u00e9tudier la possibilit\u00e9 de ren\u00e9gocier votre pr\u00eat en cours afin de b\u00e9n\u00e9ficier des taux actuels. <\/span><\/p>\n<p><span>&nbsp;<\/span><\/p>\n<p><span>Pour que cette ren\u00e9gociation soit int\u00e9ressante, quelques points sont \u00e0 v\u00e9rifier. Il faut d&rsquo;abord que la dur\u00e9e restante des remboursements soit sup\u00e9rieure \u00e0 la dur\u00e9e pass\u00e9e et que le montant du capital restant d\u00fb soit sup\u00e9rieur \u00e0 50 000 euros environ.&nbsp;Surtout, l&rsquo;op\u00e9ration est int\u00e9ressante uniquement si le taux d&#8217;emprunt initial est sup\u00e9rieur d&rsquo;au moins 1% au taux actuel. Concr\u00e8tement, vous pourrez faire de substantielles \u00e9conomies si vous avez emprunt\u00e9 \u00e0 4% et plus.<\/span><\/p>\n<p><span>&nbsp;<\/span><\/p>\n<p><span>Certes, la d\u00e9marche n&rsquo;est pas simple&nbsp;: il faut faire jouer la concurrence entre les \u00e9tablissements bancaires, en calculant bien l&rsquo;ensemble des frais induits, en particulier la p\u00e9nalit\u00e9 de remboursement anticip\u00e9. Pour ce faire, l&rsquo;aide d&rsquo;un courtier en cr\u00e9dit immobilier peut s&rsquo;av\u00e9rer pr\u00e9cieuse, surtout que le jeu en vaut la chandelle&nbsp;: le gain peut atteindre 10% du capital emprunt\u00e9 initialement&nbsp;!<\/span><\/p>\n<p><span>&nbsp;<\/span><\/p>\n<p><span>Simulez le co\u00fbt de votre emprunt gr\u00e2ce aux calculettes ACE Cr\u00e9dit.<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les taux d&#8217;emprunt sont au plus bas. Profitez-en pour acqu\u00e9rir un bien ou pour ren\u00e9gocier un emprunt contract\u00e9 il y a quelques ann\u00e9es.<\/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-280","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>Baisse des taux : c&#039;est le moment d&#039;en profiter ! - 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\/baisse-des-taux-c-est-le-moment-d-en-profiter_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Baisse des taux : c&#039;est le moment d&#039;en profiter ! - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les taux d&#039;emprunt sont au plus bas. 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