{"id":425,"date":"2021-02-04T00:00:00","date_gmt":"2021-02-03T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2017\/07\/04\/la-renegociation-de-votre-credit\/"},"modified":"2021-12-13T17:06:35","modified_gmt":"2021-12-13T15:06:35","slug":"la-renegociation-de-votre-credit","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/la-renegociation-de-votre-credit\/","title":{"rendered":"La ren\u00e9gociation de son cr\u00e9dit"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Si vous pensez pouvoir b\u00e9n\u00e9ficier de nouvelles conditions plus avantageuses, vous pouvez contacter votre banque pour essayer d'obtenir une ren\u00e9gociation des conditions initiales du cr\u00e9dit.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quand ren\u00e9gocier un cr\u00e9dit ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les taux vous semblent plus int\u00e9ressants que lorsque vous avez souscrit ? V\u00e9rifiez d'abord que les nouvelles conditions vous permettront de r\u00e9aliser de r\u00e9elles \u00e9conomies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D'une mani\u00e8re g\u00e9n\u00e9rale, trois \u00e9l\u00e9ments peuvent permettre d'\u00e9valuer l'int\u00e9r\u00eat d'une ren\u00e9gociation :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le cr\u00e9dit est r\u00e9cent : la p\u00e9riode \u00e9coul\u00e9e est plus courte que la p\u00e9riode restante (vous n'avez pas encore pay\u00e9 tous les int\u00e9r\u00eats),<\/li><li>la diff\u00e9rence de taux est significative,<\/li><li>le montant du capital restant d\u00fb est important.<\/li><\/ul>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>Attention <\/strong>: Seul un calcul pr\u00e9cis, tenant compte des frais, des indemnit\u00e9s \u00e9ventuelles de remboursement anticip\u00e9\u2026 vous permettra de v\u00e9rifier que c'est r\u00e9ellement int\u00e9ressant. Les frais d'avenant comme l'indemnit\u00e9 de remboursement anticip\u00e9 (dans la limite l\u00e9gale) sont contractuels ils figurent dans votre contrat de pr\u00eat initial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment faire ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prenez rendez-vous avec votre conseiller bancaire. Apportez tous les \u00e9l\u00e9ments n\u00e9cessaires \u00e0 \u00e9valuer votre situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon votre situation, il pourra ou non vous proposer une ren\u00e9gociation des conditions initiales du cr\u00e9dit : par exemple, un allongement de la dur\u00e9e pour r\u00e9duire le montant de vos remboursements ou, si les taux ont baiss\u00e9 significativement depuis la signature de votre cr\u00e9dit, vous pouvez demander \u00e0 avoir un taux plus bas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque n'est jamais tenue d'accepter de revoir les termes du contrat sign\u00e9 au d\u00e9part, pas plus que vous ne le seriez si c'\u00e9tait la banque qui demandait une r\u00e9vision.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter :<\/strong> Si vous avez plusieurs cr\u00e9dits dans la m\u00eame banque, vous pouvez demander \u00e0 la banque une restructuration de la dette. La restructuration de vos cr\u00e9dits consiste pour la banque \u00e0 vous proposer un cr\u00e9dit unique pour remplacer ceux que vous avez d\u00e9j\u00e0, avec de nouvelles conditions de remboursement (taux, dur\u00e9e \u2026). Vous pouvez aussi contacter d'autres banques pour demander un regroupement de cr\u00e9dits.<\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg 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 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                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" 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class=\"card__submetas\">\n                                        <p class=\"card__category\">En cas de difficult\u00e9s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ren\u00e9gocier ou restructurer son cr\u00e9dit<\/span>\n                <\/h3>\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;:496,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-remboursement-du-pret\/&quot;,&quot;title&quot;:&quot;Le remboursement du 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              <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\/le-remboursement-du-pret\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/remboursement-pret-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/remboursement-pret-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/remboursement-pret-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/remboursement-pret-_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\">Le contrat de cr\u00e9dit<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le remboursement du pr\u00eat<\/span>\n                <\/h3>\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>Si vous pensez pouvoir b\u00e9n\u00e9ficier de nouvelles conditions plus avantageuses, vous pouvez contacter votre banque pour essayer d'obtenir une ren\u00e9gociation des conditions initiales du cr\u00e9dit. Quand ren\u00e9gocier un cr\u00e9dit ? Les taux vous semblent plus int\u00e9ressants que lorsque vous avez souscrit ? V\u00e9rifiez d'abord que les nouvelles conditions vous permettront de r\u00e9aliser de r\u00e9elles \u00e9conomies. [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5002,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":5877,"viewed_at":"1778389198","newsletter":"0","_yoast_wpseo_primary_category":152,"footnotes":""},"categories":[152,103,277],"tags":[],"class_list":["post-425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-contrat-de-credit","category-le-principe-du-credit","category-mes-credits"],"yoast_head":"<title>La ren\u00e9gociation de son cr\u00e9dit - Le contrat de cr\u00e9dit - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Si vous pensez pouvoir b\u00e9n\u00e9ficier de nouvelles conditions plus avantageuses, vous pouvez contacter votre banque pour essayer d&#039;obtenir une ren\u00e9gociation des conditions initiales du cr\u00e9dit.\" \/>\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\/la-renegociation-de-votre-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La ren\u00e9gociation de son cr\u00e9dit - 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