{"id":15898,"date":"2023-03-01T10:10:08","date_gmt":"2023-03-01T09:10:08","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/?p=15898"},"modified":"2025-01-14T11:56:45","modified_gmt":"2025-01-14T10:56:45","slug":"comment-renegocier-son-pret-immobilier","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/acheter\/comment-renegocier-son-pret-immobilier\/","title":{"rendered":"Comment ren\u00e9gocier son pr\u00eat immobilier ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Vous souhaitez diminuer les mensualit\u00e9s de votre cr\u00e9dit immobilier ? On vous explique comment y parvenir dans cet article.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ren\u00e9gociation de pr\u00eat : qu'est-ce que c'est ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La ren\u00e9gociation de pr\u00eat consiste \u00e0 r\u00e9viser avec sa banque les <strong>modalit\u00e9s de remboursement<\/strong> de son cr\u00e9dit. L'objectif de cette d\u00e9marche est d'obtenir de nouvelles conditions d\u2019emprunt. La banque peut ainsi vous proposer de&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9duire<\/strong> le montant de vos mensualit\u00e9s en allongeant la dur\u00e9e de votre pr\u00eat<\/li>\n\n\n\n<li><strong>Convertir<\/strong> votre taux variable en taux fixe (comme c\u2019est le cas avec <a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/nos-experts\">atHome Finance<\/a>)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Illustrons <strong>ce dernier point <\/strong>par un exemple&nbsp;:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cadre d\u2019une r\u00e9sidence principale, un couple obtient un pr\u00eat de <strong>500 000 euros<\/strong> avec un taux variable sur <strong>20 ans<\/strong>. Leur mensualit\u00e9 est de <strong>3&nbsp;083 euros<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, \u00e0 la suite d\u2019une hausse des taux variables, le couple souhaite <strong>convertir son taux variable en taux fixe<\/strong> avec l'aide d'un courtier <a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/nos-experts\">atHome Finance<\/a>. Avec un taux fixe et une dur\u00e9e d'emprunt allong\u00e9e, la nouvelle mensualit\u00e9 sera de <strong>2463,89 euros<\/strong> sur <strong>30 ans<\/strong>. Soit <strong>520\u20ac en moins \u00e0 payer chaque mois.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ensuite, d\u00e8s que les taux rebaisseront, le couple pourra ren\u00e9gocier \u00e0 de meilleures conditions et r\u00e9duire la dur\u00e9e de l'emprunt pour faire baisser le co\u00fbt global du pr\u00eat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment se pr\u00e9parer \u00e0 ren\u00e9gocier son pr\u00eat ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc49<\/strong><strong> Prenez le temps de constituer un dossier solide<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est primordial, pour faciliter l'acceptation de cette ren\u00e9gociation, de pr\u00e9senter un <strong>bon dossier<\/strong>. En effet, de nombreux crit\u00e8res vont \u00eatre analys\u00e9s&nbsp;: les revenus de votre m\u00e9nage, votre taux d'endettement (\u00e9ventuellement li\u00e9 \u00e0 d'autres cr\u00e9dits existants), etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc49 <\/strong><strong>Comparez les offres<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un pr\u00eat vous engage sur plusieurs ann\u00e9es et repr\u00e9sente des montants cons\u00e9quents, il est donc <strong>essentiel<\/strong> de faire <strong>jouer la concurrence pour trouver la meilleure offre.<\/strong> Rapprochez-vous de plusieurs banques ou d'un courtier <a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/nos-experts\">atHome Finance<\/a> pour trouver le meilleur taux.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelques informations \u00e0 savoir avant de signer !<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L'avantage de la ren\u00e9gociation de pr\u00eat est de <strong>r\u00e9duire les co\u00fbts<\/strong> de son emprunt sans avoir \u00e0 changer de banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Vous devrez payer des frais de dossiers <\/strong>et une indemnit\u00e9 de remboursement anticip\u00e9. Alors avant de signer, pr\u00e9voyez d'apporter une calculatrice !&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc49 La banque a tout \u00e0 fait le droit de refuser votre demande.<\/strong> En effet, vous vous \u00eates engag\u00e9s \u00e0 respecter les termes de votre contrat. Tout d\u00e9pendra de votre situation financi\u00e8re ou encore de la raison de votre demande (changement de situation familiale, perte d\u2019emploi, etc).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">En cas d'\u00e9chec de votre ren\u00e9gociation...<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si votre requ\u00eate de ren\u00e9gociation a \u00e9t\u00e9 refus\u00e9e, il est possible de demander un rachat de cr\u00e9dit. Dans ce cas, une <strong>autre banque<\/strong> peut racheter votre pr\u00eat actuel et vous proposer un <strong>nouveau cr\u00e9dit avec des modalit\u00e9s qui vous conviendront mieux.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est important de <strong>prendre en consid\u00e9ration <\/strong>les co\u00fbts li\u00e9s par ce rachat (nouveaux frais de dossier, des frais hypoth\u00e9caires...). Il faut donc \u00eatre certain que cette nouvelle offre est bien plus <strong>int\u00e9ressante pour vous<\/strong> que le contrat actuel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous cherchez \u00e0 ren\u00e9gocier votre pr\u00eat ou le faire racheter ? Les courtiers d'<a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/nos-experts\">AtHome Finance<\/a> sont l\u00e0 pour vous aider \u00e0 trouver les modalit\u00e9s de pr\u00eats qui vous conviennent !<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous souhaitez diminuer les mensualit\u00e9s de votre cr\u00e9dit immobilier ? On vous explique comment y parvenir dans cet article. Ren\u00e9gociation de pr\u00eat : qu'est-ce que c'est ? La ren\u00e9gociation de pr\u00eat consiste \u00e0 r\u00e9viser avec sa banque les modalit\u00e9s de remboursement de son cr\u00e9dit. L'objectif de cette d\u00e9marche est d'obtenir de nouvelles conditions d\u2019emprunt. La [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":15950,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3,225],"tags":[256],"class_list":["post-15898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-acheter","category-conseils","tag-rtl-infos"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment ren\u00e9gocier son pr\u00eat immobilier ? - atHome Blog<\/title>\n<meta name=\"description\" content=\"Une hausse des taux variables entraine de lourde mensualit\u00e9s et vous avez besoin d&#039;y remerder. 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