{"id":57,"date":"2022-12-22T00:00:00","date_gmt":"2022-12-21T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/10\/22\/le-credit-relais-immobilier\/"},"modified":"2023-07-24T10:11:14","modified_gmt":"2023-07-24T08:11:14","slug":"le-credit-relais-immobilier","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-relais-immobilier\/","title":{"rendered":"Le cr\u00e9dit relais immobilier"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\"><strong>Vous avez l'intention d'acheter un bien immobilier et de le payer en partie en vendant un logement que vous poss\u00e9dez ? Il n'est pas toujours possible de faire co\u00efncider les deux op\u00e9rations. Dans ce cas, vous pouvez utiliser un cr\u00e9dit relais. Il vous permettra d'acheter un nouveau bien avant d'avoir vendu le pr\u00e9c\u00e9dent. Ce cr\u00e9dit, qui dure en g\u00e9n\u00e9ral de un \u00e0 deux ans, doit cependant \u00eatre utilis\u00e9 avec prudence.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/fr.calameo.com\/read\/0020247054ecb73820be4\" target=\"_blank\" rel=\"Feuilleter noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"192\" height=\"254\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-credit-relais-3.jpg\" alt=\"\" class=\"wp-image-16049\" title=\"Feuilleter\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-credit-relais-3.jpg 192w, https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-credit-relais-3-60x80.jpg 60w, https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-credit-relais-3-189x250.jpg 189w, https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-credit-relais-3-38x50.jpg 38w\" sizes=\"auto, (max-width: 192px) 100vw, 192px\" \/><\/a><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Mini-guide - Le cr\u00e9dit relais immobilier<\/p><p class=\"postAttachment__fileSize\">157,8 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Mini-guide - Le cr\u00e9dit relais immobilier&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Mini-guide - Le cr\u00e9dit relais immobilier\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2020\/10\/MG-31_Credit-relais-immo-22-Accessible-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Mini-guide - Le cr\u00e9dit relais immobilier<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">Qu'est-ce qu'un cr\u00e9dit relais immobilier ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avec un cr\u00e9dit relais, <strong>la banque vous avance une partie du montant de la vente du bien dont vous \u00eates d\u00e9j\u00e0 propri\u00e9taire pour vous permettre d\u2019acheter un nouveau bien immobilier. <\/strong>Il compl\u00e8te souvent votre <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/financement-immobilier-quel-apport-personnel\/\" target=\"_blank\">apport personnel<\/a> et\/ou d\u2019autres cr\u00e9dits immobiliers. <strong>Lorsque votre bien est vendu, vous remboursez le montant du pr\u00eat relais \u00e0 la banque.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quel montant puis-je obtenir ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant du cr\u00e9dit relais d\u00e9pend de la situation du bien que vous vendez (valeur, \u00e9tat d\u2019avancement de la vente\u2026) et de celui que vous achetez. Il est <strong>g\u00e9n\u00e9ralement compris entre 50\u2009% \u00e0 70\u2009% du prix du bien \u00e0 vendre<\/strong> (d\u00e9duction faite du capital restant d\u00fb au titre de l\u2019\u00e9ventuel cr\u00e9dit en cours sur ce bien). Ainsi :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>si un compromis de vente est d\u00e9j\u00e0 sign\u00e9, l\u2019avance 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\u2019avance repr\u00e9sentera une part plus faible, afin de m\u00e9nager une marge de s\u00e9curit\u00e9.<\/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\">Chaque banque d\u00e9termine le montant du cr\u00e9dit relais en fonction de ses propres normes et de votre dossier. Elle demandera \u00e9ventuellement plusieurs estimations du bien \u00e0 vendre pour d\u00e9finir au mieux le montant de votre cr\u00e9dit relais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dans quel d\u00e9lai dois-je vendre mon bien ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00e9n\u00e9ralement, vous avez <strong>1 an (2 maximum)<\/strong> pour vendre votre bien : cette dur\u00e9e est indiqu\u00e9e dans le contrat de cr\u00e9dit relais et repr\u00e9sente l\u2019\u00e9ch\u00e9ance \u00e0 laquelle vous devrez le rembourser. D\u00e8s que la vente de votre bien est r\u00e9alis\u00e9e ou au plus tard \u00e0 l\u2019\u00e9ch\u00e9ance de votre pr\u00eat, vous devrez rembourser l\u2019int\u00e9gralit\u00e9 du cr\u00e9dit relais. <\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">Attention : Que votre bien soit vendu ou non, vous devrez rembourser votre cr\u00e9dit relais au plus tard au terme du contrat. Si vous rencontrez des difficult\u00e9s \u00e0 vendre votre bien, il est n\u00e9cessaire d\u2019informer votre banque le plus t\u00f4t possible.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lire la suite du guide \"Le cr\u00e9dit relais immobilier\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Comment rembourser mon cr\u00e9dit relais ?<\/li><li>Les pr\u00e9cautions \u00e0 prendre<\/li><li>Et si mon bien ne se vend pas ?<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/fr.calameo.com\/read\/0020247054ecb73820be4\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div 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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                    Autres guides                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Autres guides<\/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=\"publications\"><div class=\"publications__inner\"><article class=\"publication\" style=\"background-color: #ffbb48\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     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Elle vous prot\u00e8ge, vous et votre famille ainsi que la banque en cas d&#039;al\u00e9as de la vie (d\u00e9c\u00e8s, invalidit\u00e9,...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #ffbb48\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:691,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/&quot;,&quot;title&quot;:&quot;Le co\u00fbt d\\u0027un cr\u00e9dit&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:23}\"\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=\"691\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/\"\n         data-title=\"Le co\u00fbt d&#039;un cr\u00e9dit\">\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\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le co\u00fbt d&#039;un cr\u00e9dit\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/\">\n                Le co\u00fbt d&#039;un cr\u00e9dit            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Vous souhaitez savoir combien votre cr\u00e9dit va vous co\u00fbter. Il varie en fonction du type de cr\u00e9dit choisi, du montant emprunt\u00e9, de sa dur\u00e9e et du taux d&#039;int\u00e9r\u00eat. 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Ce mini-guide vous pr\u00e9sente les diff\u00e9rentes approches qui permettent d&#039;affiner...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/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 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media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-relais-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-relais-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-relais-_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            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le pr\u00eat relais immobilier<\/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;:762,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/credit-immobilier\/&quot;,&quot;title&quot;:&quot;Cr\u00e9dit immobilier : comprendre, comparer et r\u00e9ussir son pr\u00eat&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_BD-150x150.jpg&quot;,&quot;likes&quot;:11}\"\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=\"762\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/credit-immobilier\/\"\n         data-title=\"Cr\u00e9dit immobilier : comprendre, comparer et r\u00e9ussir son pr\u00eat\">\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 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                <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_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            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Cr\u00e9dit immobilier : comprendre, comparer et r\u00e9ussir son 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>Vous avez l'intention d'acheter un bien immobilier et de le payer en partie en vendant un logement que vous poss\u00e9dez ? Il n'est pas toujours possible de faire co\u00efncider les deux op\u00e9rations. Dans ce cas, vous pouvez utiliser un cr\u00e9dit relais. Il vous permettra d'acheter un nouveau bien avant d'avoir vendu le pr\u00e9c\u00e9dent. Ce cr\u00e9dit, [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":29,"views":26344,"viewed_at":"1778465872","newsletter":"0","_yoast_wpseo_primary_category":6,"footnotes":""},"categories":[23,6,4],"tags":[],"class_list":["post-57","post","type-post","status-publish","format-standard","hentry","category-credit","category-guides-bancaires","category-boite-a-outils"],"yoast_head":"<title>Le cr\u00e9dit relais immobilier - Guides bancaires - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Pour acheter un nouveau bien avant d&#039;avoir vendu le pr\u00e9c\u00e9dent, pensez au cr\u00e9dit relais immobilier. 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