{"id":5308,"date":"2021-03-08T14:21:46","date_gmt":"2021-03-08T13:21:46","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-03-08T14:21:47","modified_gmt":"2021-03-08T13:21:47","slug":"est-ce-le-moment-de-renegocier-son-credit-immobilier","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/est-ce-le-moment-de-renegocier-son-credit-immobilier.html","title":{"rendered":"Est-ce le moment de ren\u00e9gocier son cr\u00e9dit immobilier ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les taux du cr\u00e9dit immobilier ont fortement baiss\u00e9 durant la derni\u00e8re d\u00e9cennie, ce qui signifie qu\u2019un pr\u00eat immobilier souscrit en 2015 affichait des conditions moins int\u00e9ressantes qu\u2019aujourd\u2019hui&nbsp;! Pour nombre de profils, la p\u00e9riode est donc propice \u00e0 la ren\u00e9gociation de pr\u00eat immobilier. Pourquoi pas vous&nbsp;?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ren\u00e9gocier son cr\u00e9dit immobilier&nbsp;: c\u2019est le bon moment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En ce d\u00e9but d\u2019ann\u00e9e\u00a02021, <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">les taux immobiliers<\/a> se situent \u00e0 un niveau historiquement bas. <strong>Les pr\u00eats se n\u00e9gocient en moyenne \u00e0 1,10\u00a0% sur 20\u00a0ans.<\/strong> Pour les meilleurs dossiers, les emprunts se concluent m\u00eame en dessous de 1%. Ces niveaux plancher sont d\u2019actualit\u00e9 depuis 2019, il ne faut pas oublier que la moyenne des taux selon l\u2019Observatoire Cr\u00e9dit Logement\/CSA d\u00e9passait encore 5% fin 2008\u00a0! Elle \u00e9tait proche de 4% d\u00e9but 2012 et se situait encore au-dessus de 3% d\u00e9but 2014. Ce n\u2019est qu\u2019en 2016 que la moyenne des taux du cr\u00e9dit immobilier est tomb\u00e9e sous les 2%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c0 qui profite la ren\u00e9gociation de cr\u00e9dit\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le principe de la ren\u00e9gociation concerne tout particuli\u00e8rement les emprunteurs qui disposent d\u2019un pr\u00eat \u00e0 un taux sup\u00e9rieur \u00e0 ceux pratiqu\u00e9s actuellement. Dans l\u2019id\u00e9al, l\u2019op\u00e9ration repr\u00e9sente un int\u00e9r\u00eat <strong>\u00e0 partir de 0,7 point d\u2019\u00e9cart entre le taux de cr\u00e9dit \u00e0 ren\u00e9gocier et le taux actuel. Le capital restant d\u00fb doit \u00eatre sup\u00e9rieur \u00e0 70&nbsp;000\u20ac et l\u2019emprunteur doit se situer dans le premier tiers du remboursement de son pr\u00eat.<\/strong> Ces conditions r\u00e9unies permettent de s\u2019assurer de la rentabilit\u00e9 d\u2019une op\u00e9ration de ren\u00e9gociation. L\u2019emprunteur peut ainsi r\u00e9duire le co\u00fbt total de son cr\u00e9dit ou le montant de ses mensualit\u00e9s, voire les deux.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le rachat de cr\u00e9dit pour plus de possibilit\u00e9s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hormis la ren\u00e9gociation du contrat avec la banque pr\u00eateuse, l\u2019emprunteur peut \u00e9galement faire jouer la concurrence. Les \u00e9tablissements externes proposent le rachat de l\u2019encours et la souscription d\u2019un nouveau cr\u00e9dit plus en phase avec les taux actuels. Attention n\u00e9anmoins aux indemnit\u00e9s de remboursement anticip\u00e9 (IRA). Celles-ci ne peuvent exc\u00e9der 6 mois d\u2019int\u00e9r\u00eats plafonn\u00e9s \u00e0 3% du capital restant d\u00fb. D\u2019autres frais sont \u00e0 prendre en compte comme les frais de garantie du nouveau pr\u00eat. Cependant, <strong>le rachat de cr\u00e9dit immobilier est bien souvent plus int\u00e9ressant que l\u2019offre de la banque car les \u00e9tablissements externes souhaitent attirer les clients.<\/strong> Il est donc conseill\u00e9 de faire jouer la concurrence. L\u2019aide d\u2019un courtier est utile pour d\u00e9nicher l\u2019offre la plus int\u00e9ressante mais aussi v\u00e9rifier la rentabilit\u00e9 de l\u2019op\u00e9ration en calculant les frais engendr\u00e9s par un rachat.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les taux du cr\u00e9dit immobilier ont fortement baiss\u00e9 durant la derni\u00e8re d\u00e9cennie, ce qui signifie qu\u2019un pr\u00eat immobilier souscrit en 2015 affichait des conditions moins int\u00e9ressantes qu\u2019aujourd\u2019hui&nbsp;! [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5325,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5308","post","type-post","status-publish","format-standard","has-post-thumbnail","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>Est-ce le moment de ren\u00e9gocier son cr\u00e9dit immobilier ? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La baisse des taux d\u2019int\u00e9r\u00eat de cr\u00e9dit immobilier et les conditions assouplies d\u2019obtention de pr\u00eat rendent le rachat de cr\u00e9dit encore plus favorable.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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