{"id":343,"date":"2014-12-09T19:18:46","date_gmt":"2014-12-09T18:18:46","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-a-interet-a-renegocier-son-pret-immobilier_-n.html"},"modified":"2020-07-28T15:33:11","modified_gmt":"2020-07-28T13:33:11","slug":"qui-a-interet-a-renegocier-son-pret-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-a-interet-a-renegocier-son-pret-immobilier_-n.html","title":{"rendered":"Qui a int\u00e9r\u00eat \u00e0 ren\u00e9gocier son pr\u00eat immobilier?"},"content":{"rendered":"<p>Souvenez vous, en 2008, on empruntait au taux de 5,30% sur 20 ans. En d\u00e9cembre 2014, selon l&rsquo;indicateur des taux n\u00e9goci\u00e9s par Ace cr\u00e9dit nous sommes aujourd&rsquo;hui, sur la m\u00eame dur\u00e9e, \u00e0 un taux de 2,40%.<\/p>\n<p>Aujourd&rsquo;hui, on peut affirmer que tout acheteur qui a achet\u00e9 son bien immobilier entre 2008 et l&rsquo;ann\u00e9e derni\u00e8re a vraisemblablement int\u00e9r\u00eat \u00e0 ren\u00e9gocier aujourd&rsquo;hui son pr\u00eat.<\/p>\n<p>Concr\u00e8tement, si vous avez souscrit un emprunt \u00e0 un taux sup\u00e9rieur \u00e0 3,5%, la ren\u00e9gociation m\u00e9rite d&rsquo;\u00eatre \u00e9tudi\u00e9e. La rentabilit\u00e9 de l&rsquo;op\u00e9ration va d\u00e9pendre du montant d&rsquo;argent que vous avez emprunt\u00e9, et de celui que vous avez d\u00e9j\u00e0 rembours\u00e9.<\/p>\n<p>Selon l&rsquo;ensemble des courtiers en cr\u00e9dit immobilier, un tiers des dossiers qu&rsquo;ils traitent aujourd&rsquo;hui sont li\u00e9s \u00e0 la ren\u00e9gociation.<\/p>\n<p>Si l&rsquo;on devait dresser le profil id\u00e9al du candidat \u00e0 la ren\u00e9gociation, ce serait un acqu\u00e9reur qui a souscrit son pr\u00eat sur 20 ans en 2008, \u00e0 un taux d&rsquo;environ 5,3 ou 5,4%. Et qui aurait donc encore 14 ann\u00e9es de remboursement de pr\u00eat \u00e0 solder. Alors il lui serait aujourd&rsquo;hui tr\u00e8s avantageux de <a href=\"http:\/\/www.boursorama.com\/actualites\/renegocier-son-pret-immobilier--5-conseils-pour-transformer-l-essai-460630c7bccad21427402b04f65fc1f7\" target=\"_blank\" rel=\"noopener noreferrer\"><span>ren\u00e9gocier son pr\u00eat<\/a><\/span> \u00e0 un taux de 2,40%.<\/p>\n<p>De fa\u00e7on moins id\u00e9ale mais tout de m\u00eame int\u00e9ressante, on peut affirmer que les acheteurs ayant souscrits des emprunts aux alentours de 4.5%, d&rsquo;un montant sup\u00e9rieur \u00e0 250 000 euros et dont la dur\u00e9e de remboursement restante est au del\u00e0 de 15 ans, ont tout int\u00e9r\u00eat \u00e0 \u00e9tudier l&rsquo;int\u00e9r\u00eat d&rsquo;une ren\u00e9gociation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Souvenez vous, en 2008, on empruntait au taux de 5,30% sur 20 ans. En d\u00e9cembre 2014, selon l&rsquo;indicateur des taux n\u00e9goci\u00e9s par Ace cr\u00e9dit nous sommes aujourd&rsquo;hui, [&hellip;]<\/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-343","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>Qui a int\u00e9r\u00eat \u00e0 ren\u00e9gocier son pr\u00eat immobilier? - 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\/qui-a-interet-a-renegocier-son-pret-immobilier_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qui a int\u00e9r\u00eat \u00e0 ren\u00e9gocier son pr\u00eat immobilier? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Souvenez vous, en 2008, on empruntait au taux de 5,30% sur 20 ans. 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