{"id":303,"date":"2018-08-02T15:41:38","date_gmt":"2018-08-02T13:41:38","guid":{"rendered":"http:\/\/www.francedomicile.fr\/?p=303"},"modified":"2018-08-02T15:41:38","modified_gmt":"2018-08-02T13:41:38","slug":"rachat-ou-renegociation-de-credit-pour-quelle-offre-opter","status":"publish","type":"post","link":"https:\/\/www.francedomicile.fr\/2018\/08\/02\/rachat-ou-renegociation-de-credit-pour-quelle-offre-opter\/","title":{"rendered":"Rachat ou ren\u00e9gociation de cr\u00e9dit ? Pour quelle offre opter ?"},"content":{"rendered":"<p>Afin de permettre aux particuliers de pallier \u00e0 leur situation financi\u00e8re, les \u00e9tablissements de cr\u00e9dit leur offre plusieurs types d&rsquo;op\u00e9ration, parmi les plus c\u00e9l\u00e8bres, on retrouve le rachat et la ren\u00e9gociation de cr\u00e9dit immobilier. Tous les deux ax\u00e9s vers la mise en garantie d&rsquo;un bien immobilier aupr\u00e8s de la banque, le rachat et la ren\u00e9gociation de cr\u00e9dit sont cependant deux op\u00e9rations diff\u00e9rentes.<\/p>\n<p><!--more--><\/p>\n<h2>Pourquoi opter pour la ren\u00e9gociation de cr\u00e9dit ?<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-307 alignright\" src=\"http:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/renegotiation-300x157.png\" alt=\"\" width=\"300\" height=\"157\" srcset=\"https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/renegotiation-300x157.png 300w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/renegotiation-767x402.png 767w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/renegotiation-1024x537.png 1024w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/renegotiation-765x400.png 765w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/renegotiation-244x128.png 244w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/renegotiation.png 540w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>La ren\u00e9gociation de cr\u00e9dit est une op\u00e9ration assez simple, c&rsquo;est d&rsquo;ailleurs pour cela que les particuliers la pr\u00e9f\u00e8rent aux autres offres bancaires. Comme son terme l&rsquo;indique, la ren\u00e9gociation de cr\u00e9dit consiste \u00e0 n\u00e9gocier de nouveaux avec sa banque afin de trouver une alternative pour revoir \u00e0 la baisse les offres de la banque en ce qui concerne le co\u00fbt des pr\u00eats immobiliers. Certaines conditions doivent cependant \u00eatre remplies pour pouvoir obtenir cette ren\u00e9gociation. Dans un premier temps, la ren\u00e9gociation n&rsquo;est possible que si le cr\u00e9dit est sup\u00e9rieur \u00e0 au moins un pour cent (1%) au taux d&rsquo;int\u00e9r\u00eat actuellement en vigueur. De plus, la ren\u00e9gociation n&rsquo;est possible que si elle est effectu\u00e9e pendant le remboursement, notamment, pendant la premi\u00e8re ann\u00e9e.<\/p>\n<h2>Le rachat de cr\u00e9dit est-elle meilleure ?<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-306 alignright\" src=\"http:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/rachat-300x171.png\" alt=\"\" width=\"300\" height=\"171\" srcset=\"https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/rachat-300x171.png 300w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/rachat-767x437.png 767w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/rachat-1024x583.png 1024w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/rachat-765x435.png 765w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/rachat-244x139.png 244w, https:\/\/www.francedomicile.fr\/wp-content\/uploads\/2018\/08\/rachat.png 281w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Il arrive parfois que les conditions de ren\u00e9gociations soient trop lourdes et ne peuvent \u00eatre support\u00e9es par les emprunteurs. Malgr\u00e9 le fait que cette ren\u00e9gociation soit int\u00e9ressante, elle est souvent difficile \u00e0 obtenir. Par cons\u00e9quent, beaucoup se tournent vers le rachat de cr\u00e9dit. L&rsquo;op\u00e9ration de rachat de cr\u00e9dit est certes plus complexe que la ren\u00e9gociation, dans la mesure o\u00f9 il s&rsquo;effectue dans un \u00e9tablissement financier autre que celui auquel l&#8217;emprunteur est inscrit, cependant, elle est plus favorable, car elle propose des offres de cr\u00e9dit plus int\u00e9ressantes et dans des conditions moins strictes. Dans le rachat de cr\u00e9dit, l&#8217;emprunteur pourra \u00e9galement changer d&rsquo;assurance pour trouver une meilleure offre, ce qui n&rsquo;est pas possible en cas de ren\u00e9gociation. Rappelons cependant qu&rsquo;un rachat de cr\u00e9dit co\u00fbte plus cher qu&rsquo;une ren\u00e9gociation. En plus des frais de transaction, l&#8217;emprunteur devra \u00e9galement pr\u00e9voir d&rsquo;autres frais de cautionnement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Afin de permettre aux particuliers de pallier \u00e0 leur situation financi\u00e8re, les \u00e9tablissements de cr\u00e9dit leur offre plusieurs types d&rsquo;op\u00e9ration, parmi les plus c\u00e9l\u00e8bres, on retrouve le rachat et la ren\u00e9gociation de cr\u00e9dit immobilier. Tous les deux ax\u00e9s vers la mise en garantie d&rsquo;un bien immobilier aupr\u00e8s de la banque, le rachat et la ren\u00e9gociation [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":305,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classe"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rachat ou ren\u00e9gociation de cr\u00e9dit ? 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