{"id":357,"date":"2026-05-06T00:00:00","date_gmt":"2026-05-05T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2018\/07\/06\/le-pret-relais-immobilier\/"},"modified":"2026-09-04T09:59:51","modified_gmt":"2026-09-04T07:59:51","slug":"pret-relais-immobilier","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/pret-relais-immobilier\/","title":{"rendered":"Le pr\u00eat relais immobilier"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Le pr\u00eat relais ou cr\u00e9dit relais permet d'acheter une maison ou un appartement avant d'avoir vendu votre bien actuel. Attention : vous devrez rembourser int\u00e9gralement le cr\u00e9dit relais, m\u00eame en cas de non revente. Il convient donc de l'utiliser avec prudence.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fonctionnement du cr\u00e9dit relais<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Quel montant et quelle dur\u00e9e pour un pr\u00eat relais ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le cr\u00e9dit relais compl\u00e8te souvent votre apport personnel et\/ou d'autres pr\u00eats immobiliers. Il permet de ne pas rater le bien qui vous int\u00e9resse.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Sa dur\u00e9e varie de 1 \u00e0 2 ans. C'est dans ce d\u00e9lai que vous devez vendre votre bien pour pouvoir rembourser le pr\u00eat relais.<\/li><li>Son montant d\u00e9pend de la situation du bien que vous vendez et de <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/jachete-bien-immobilier\/\" target=\"_blank\">celui que vous achetez<\/a>. Il repr\u00e9sente 50 \u00e0 70% de la valeur du bien \u00e0 vendre (d\u00e9duction faite du capital restant d\u00fb au titre de l'\u00e9ventuel cr\u00e9dit en cours sur ce bien) :<ul><li>si un compromis de vente est sign\u00e9, l'avance peut repr\u00e9senter une part plus importante de la valeur du bien,<\/li><li>si vous avez sign\u00e9 un mandat de vente dans une agence immobili\u00e8re, l'avance sera souvent inf\u00e9rieure. Elle sera plut\u00f4t comprise entre 50 et 60% de l'estimation du bien, afin de m\u00e9nager une marge de s\u00e9curit\u00e9.<\/li><\/ul><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir<\/strong> : La banque demandera \u00e9ventuellement plusieurs estimations du bien \u00e0 vendre pour d\u00e9finir au mieux le montant de votre cr\u00e9dit relais. Chaque banque d\u00e9termine le montant du cr\u00e9dit relais en fonction de ses propres normes et du dossier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube aligncenter wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-4-3 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/Kfofnr9GeHg?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"Le cr\u00e9dit relais\" width=\"500\" height=\"375\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2020\/11\/Transcription-video-credit-relais.pdf\" target=\"_blank\">Transcription<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><br>Comment se rembourse un cr\u00e9dit relais ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez rembourser le <strong>capital emprunt\u00e9<\/strong> et payer les <strong>int\u00e9r\u00eats\/<\/strong> A cela s'ajoutent les \u00e9ventuelles <strong>primes <\/strong>ou cotisation d'<strong>assurance emprunteur<\/strong>. Le capital devra \u00eatre rembours\u00e9 d\u00e8s la <strong>vente de votre bien<\/strong> ou au plus tard \u00e0 la <strong>date pr\u00e9vue<\/strong> dans le contrat de cr\u00e9dit relais. En cas de vente avant le terme du cr\u00e9dit relais, vous devez le rembourser totalement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au moment de la demande de pr\u00eat relais, vous choisissez :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une <strong>franchise partielle<\/strong>. Dans ce cas, vous payez chaque mois les int\u00e9r\u00eats et les primes d'assurance-emprunteur \u00e9ventuelles. Et le capital emprunt\u00e9 est r\u00e9gl\u00e9 en une seule fois d\u00e8s la vente du bien \u00e0 vendre ou au terme du pr\u00eat.<\/li><li>ou une <strong>franchise totale<\/strong>. Dans ce cas, vous ne payez chaque mois que les primes d'assurance-emprunteur \u00e9ventuelles. Les int\u00e9r\u00eats sont r\u00e9gl\u00e9s en m\u00eame temps que le capital emprunt\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><br>La franchise totale est plus on\u00e9reuse que la franchise partielle. Vos int\u00e9r\u00eats se capitalisent en effet chaque ann\u00e9e et s'ajoutent au capital emprunt\u00e9. Cela signifie que des int\u00e9r\u00eats seront dus sur les int\u00e9r\u00eats capitalis\u00e9s. Aussi, plus la vente se r\u00e9alise tard, plus le montant \u00e0 rembourser sera important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Assurez-vous de pouvoir payer en m\u00eame temps les deux mensualit\u00e9s (cr\u00e9dit classique + int\u00e9r\u00eats du cr\u00e9dit relais) sans d\u00e9s\u00e9quilibrer votre <strong>budget <\/strong>mensuel. Dans le cas contraire, la franchise totale sera peut-\u00eatre plus adapt\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quand le produit de la vente est sup\u00e9rieur au montant du cr\u00e9dit relais, il peut servir \u00e0 <strong>rembourser par anticipation<\/strong> une partie du pr\u00eat immobilier \"classique\" que vous avez souscrit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Comment faciliter la vente de mon bien ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez maximiser vos chances de vendre au montant et dans les d\u00e9lais pr\u00e9vus. Vous avez1 ou 2 ans (dur\u00e9e du cr\u00e9dit relais) pour <strong>revendre votre bien<\/strong>. Alors n'attendez pas l'<strong>\u00e9ch\u00e9ance<\/strong> pour ajuster les <strong>conditions de vente<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimez au mieux le prix de vente<\/strong>. Il doit tenir compte de la nature du bien, de son <strong>emplacement<\/strong>, du prix du <strong>march\u00e9<\/strong>, etc. Interrogez plusieurs sp\u00e9cialistes de l'immobilier et en cas de doute, demandez une <strong>expertise <\/strong>ind\u00e9pendante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Suivez attentivement la mise en vente<\/strong>. Peu de visites ? Des r\u00e9actions n\u00e9gatives pendant les visites ? Demandez conseil \u00e0 votre <strong>agence immobili\u00e8re<\/strong> ou \u00e0 votre <strong>notaire<\/strong>. Faut-il :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>baisser le prix<\/strong> ? De combien ? La plus value sera certes moins importante mais le bien sera vendu. Le cr\u00e9dit pourra \u00eatre rembours\u00e9, c'est l\u00e0 l'essentiel.<\/li><li>am\u00e9liorer la pr\u00e9sentation du bien (<strong>travaux <\/strong>de peinture, jardinage...) ?<\/li><li>mandater d'<strong>autres professionnels<\/strong> ?<\/li><li>utiliser d'autres supports pour passer votre annonce, etc.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Informez r\u00e9guli\u00e8rement votre conseiller bancaire<\/strong> du d\u00e9roulement de la vente. Ses conseils peuvent en effet vous \u00eatre utiles pour prendre des d\u00e9cisions \u00e0 temps. Il saura vous orienter tout au long de votre projet :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>6 mois avant l'\u00e9ch\u00e9ance du cr\u00e9dit relais, vous serez contact\u00e9 pour faire le point et envisager les dispositions de nature \u00e0 favoriser la vente,<\/li><li>en l'absence d'un compromis de vente 3 mois avant l'\u00e9ch\u00e9ance, des solutions seront \u00e9tudi\u00e9es en fonction des caract\u00e9ristiques du bien et de votre situation financi\u00e8re.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Et si mon bien ne se vend pas ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La banque peut exiger le remboursement du cr\u00e9dit relais \u00e0 la date pr\u00e9vue, m\u00eame si votre bien n'est pas vendu. Aucune <strong>reconduction <\/strong>de cr\u00e9dit n'est automatique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le non remboursement du cr\u00e9dit relais peut alors entra\u00eener un <strong>recouvrement <\/strong>contentieux et une inscription au Fichier des Incidents de remboursement des cr\u00e9dits aux Particuliers (<strong>FICP<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, les banques suivent avec attention les clients ayant des <strong>difficult\u00e9s \u00e0 vendre <\/strong>leur bien. Et si le dossier le permet, elles peuvent proposer <strong>au cas par cas<\/strong> une solution :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>prolonger le cr\u00e9dit relais <\/strong>de quelques mois, s'il existe une chance de vendre rapidement (par exemple en baissant le prix ou en effectuant des travaux), <\/li><li>transformer le relais en <strong>cr\u00e9dit \u00e0 long terme <\/strong>avec \u00e9ventuellement une mise en location du logement si la situation financi\u00e8re du client le permet. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La meilleure solution reste bien s\u00fbr la vente du bien le plus rapidement possible et le remboursement du cr\u00e9dit relais. Tout <strong>am\u00e9nagement <\/strong>du cr\u00e9dit relais est susceptible d'entrainer des frais suppl\u00e9mentaires pour le client.<\/p>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"focusOn\"><div class=\"focusOn__inner\"><div class=\"titleWithShadowText titleWithShadowText--backgroundColor --mobile\">\n    <div class=\"titleWithShadowText__inner\" style=\"background-color: #19a69b\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg style=\"background-color: #19a69b\" class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg style=\"background-color: #19a69b\" class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Pratique                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Pratique<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave 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          <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/calculateur-credit-immobilier\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Calculateurs<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Calculez votre cr\u00e9dit immobilier<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous envisagez un projet immobilier, mais l\u2019id\u00e9e de vous retrouver face \u00e0 des chiffres complexes vous effraie un peu ? Pas de panique. Le Calculateur de cr\u00e9dit immobilier (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"focusOn__item\"><article class=\"card card--noBg\" data-block=\"focus-on\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:5336,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/calculez-votre-capacite-demprunt\/&quot;,&quot;title&quot;:&quot;Calculez votre capacit\u00e9 d\u2019emprunt : mode d\u2019emploi et astuces pour bien pr\u00e9parer votre projet&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:21}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"5336\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/calculez-votre-capacite-demprunt\/\"\n         data-title=\"Calculez votre capacit\u00e9 d\u2019emprunt : mode d\u2019emploi et astuces pour bien pr\u00e9parer votre projet\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/calculez-votre-capacite-demprunt\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Calculateurs<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Calculez votre capacit\u00e9 d\u2019emprunt : mode d\u2019emploi et astuces pour bien pr\u00e9parer votre projet<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous vous lancez dans un projet immobilier, mais vous avez l\u2019impression de naviguer \u00e0 l\u2019aveugle ? Le simulateur de capacit\u00e9 d\u2019emprunt des Cl\u00e9s de la Banque est l\u00e0 pour vous (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use 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class=\"card__submetas\">\n                                        <p class=\"card__category\">Le choix d&#039;un cr\u00e9dit adapt\u00e9 au...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Financement immobilier : quel apport personnel ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:57,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-relais-immobilier\/&quot;,&quot;title&quot;:&quot;Le cr\u00e9dit relais 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Il n&#039;est pas toujours possible de faire co\u00efncider les (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:488,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-in-fine\/&quot;,&quot;title&quot;:&quot;Le pr\u00eat in fine&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-remboursable-infine-_BD-150x150.jpg&quot;,&quot;likes&quot;:5}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n     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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-remboursable-infine-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-remboursable-infine-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-remboursable-infine-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-remboursable-infine-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les diff\u00e9rents types de cr\u00e9dit...<\/p>\n                                    <\/div>\n            <\/div>\n    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class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">7 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/remboursement-credit-immobilier\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le contrat de cr\u00e9dit immobilier<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Comment fonctionne le remboursement d\u2019un cr\u00e9dit immobilier ?<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Tout cr\u00e9dit doit \u00eatre rembours\u00e9. Les modalit\u00e9s de remboursement d\u00e9pendent du type de contrat, de sa dur\u00e9e et de votre capacit\u00e9 \u00e0 g\u00e9rer votre budget sur le long terme. Sauf (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Le pr\u00eat relais ou cr\u00e9dit relais permet d'acheter une maison ou un appartement avant d'avoir vendu votre bien actuel. Attention : vous devrez rembourser int\u00e9gralement le cr\u00e9dit relais, m\u00eame en cas de non revente. Il convient donc de l'utiliser avec prudence. Fonctionnement du cr\u00e9dit relais Quel montant et quelle dur\u00e9e pour un pr\u00eat relais ? [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":6,"views":10969,"viewed_at":"1778477430","newsletter":"0","_yoast_wpseo_primary_category":47,"footnotes":""},"categories":[46,47,277],"tags":[],"class_list":["post-357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-credit-immobilier","category-les-differents-types-de-credit-immobilier","category-mes-credits"],"yoast_head":"<title>Le pr\u00eat relais immobilier - Les diff\u00e9rents types de cr\u00e9dit immobilier - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Le pr\u00eat relais (ou cr\u00e9dit relais) permet d&#039;acheter une maison ou un appartement avant d&#039;avoir vendu son bien actuel.\" \/>\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.lesclesdelabanque.com\/particulier\/pret-relais-immobilier\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le pr\u00eat relais immobilier - 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