{"id":766,"date":"2021-01-23T00:00:00","date_gmt":"2021-01-22T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2012\/08\/23\/le-contenu-du-contrat-de-credit-immobilier\/"},"modified":"2026-05-13T17:31:57","modified_gmt":"2026-05-13T15:31:57","slug":"le-contenu-du-contrat-de-credit-immobilier","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-contenu-du-contrat-de-credit-immobilier\/","title":{"rendered":"Le contenu du contrat de cr\u00e9dit immobilier"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les taux sont diff\u00e9rents d'un cr\u00e9dit \u00e0 l'autre : ils sont parfois impos\u00e9s par le type du pr\u00eat (ex : pr\u00eat <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cel-compte-epargne-logement\/\" target=\"_blank\" rel=\"noreferrer noopener\">CEL<\/a> ou <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pel-plan-epargne-logement\/\" target=\"_blank\" rel=\"noreferrer noopener\">PEL<\/a>) car soumis \u00e0 une r\u00e9glementation. Sinon, ils sont d\u00e9termin\u00e9s par les taux du march\u00e9. Faites jouer la concurrence pour trouver le meilleur taux. Attention cependant : obtenir le meilleur taux ne vous garantit pas d'obtenir le meilleur cr\u00e9dit. La dur\u00e9e de votre cr\u00e9dit d\u00e9pend principalement de la somme que vous pourrez rembourser \u00e0 chaque mensualit\u00e9 ou \u00e9ch\u00e9ance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Taux fixe ou taux variable<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux fixe est un taux qui restera inchang\u00e9 durant toute la dur\u00e9e de votre pr\u00eat. Vous connaissez \u00e0 l'avance le montant des mensualit\u00e9s jusqu'\u00e0 la fin de votre cr\u00e9dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux de votre cr\u00e9dit ne sera pas affect\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>ni par la baisse des taux du march\u00e9,<\/li><li>ni par leur hausse.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux variable (ou r\u00e9visable) est presque toujours plus bas que le taux fixe \u00e0 la conclusion du contrat. Il va varier ensuite \u00e0 la hausse ou \u00e0 la baisse en fonction d'un indice de r\u00e9f\u00e9rence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En g\u00e9n\u00e9ral, l'indice choisi est un taux moyen interbancaire (taux moyen que les banques utilisent entres elles lors de leurs op\u00e9rations d'\u00e9change, par exemple l'EURIBOR \u00e0 12 mois, en prenant la moyenne des 3 derniers taux Euribor \u00e0 12 mois).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux variable peut \u00eatre :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>plafonn\u00e9 on dit alors qu'il est \"cap\u00e9\",<\/li><li>transform\u00e9 plus tard en taux fixe.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pensez \u00e0 v\u00e9rifier que ces clauses figurent au contrat pour pouvoir en b\u00e9n\u00e9ficier.<br>La banque, une fois par an, doit porter \u00e0 votre connaissance le montant du capital restant \u00e0 rembourser sur le pr\u00eat \u00e0 taux variable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>La dur\u00e9e du cr\u00e9dit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La dur\u00e9e de votre cr\u00e9dit sera \u00e9tablie \u00e0 la suite d'une simulation. Elle sera fonction de votre endettement et prend ainsi en compte :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>l'ensemble de vos cr\u00e9dits,<\/li><li>le montant que vous pouvez rembourser \u00e0 chaque \u00e9ch\u00e9ance.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si votre capacit\u00e9 de remboursement est importante, la dur\u00e9e totale du cr\u00e9dit peut \u00eatre courte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des banques proposent des pr\u00eats modulables (en g\u00e9n\u00e9ral \u00e0 taux fixe) : le montant des mensualit\u00e9s peut \u00eatre modifi\u00e9 en cours de pr\u00eat selon l'\u00e9volution de vos revenus, \u00e0 la hausse comme \u00e0 la baisse. La dur\u00e9e du cr\u00e9dit s'adapte alors en cons\u00e9quence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous pouvez rembourser plus \u00e0 chaque mensualit\u00e9, vous pourrez \u00e9courter la dur\u00e9e de votre pr\u00eat, ce qui vous reviendra moins cher. C'est aussi int\u00e9ressant dans le cas contraire. Si vos revenus baissent, vous pourrez diminuer les mensualit\u00e9s et \u00e9viter le surendettement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pensez \u00e0 demander ce type de formule modulable \u00e0 votre banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006069565\/LEGISCTA000032222241\/#LEGISCTA000032225932\" target=\"_blank\" rel=\"noreferrer noopener\">Legifrance- Le contrat de cr\u00e9dit immobilier aux art L 313-24 Code de la consommation<\/a><\/p>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/epargne-projet-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/epargne-projet-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/epargne-projet-_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\">L&#039;\u00e9pargne de projet<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">L&#039;\u00e9pargne de projet : en quoi \u00e7a consiste ?<\/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>Les taux sont diff\u00e9rents d'un cr\u00e9dit \u00e0 l'autre : ils sont parfois impos\u00e9s par le type du pr\u00eat (ex : pr\u00eat CEL ou PEL) car soumis \u00e0 une r\u00e9glementation. Sinon, ils sont d\u00e9termin\u00e9s par les taux du march\u00e9. Faites jouer la concurrence pour trouver le meilleur taux. Attention cependant : obtenir le meilleur taux ne [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5474,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":0,"views":3464,"viewed_at":"1778449807","newsletter":"0","_yoast_wpseo_primary_category":118,"footnotes":""},"categories":[118,46,277],"tags":[],"class_list":["post-766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-contrat-de-credit-immobilier","category-le-credit-immobilier","category-mes-credits"],"yoast_head":"<title>Le contenu du contrat de cr\u00e9dit immobilier - Le contrat de cr\u00e9dit immobilier - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Les taux sont diff\u00e9rents d&#039;un cr\u00e9dit \u00e0 l&#039;autre : ils sont parfois impos\u00e9s par le type du pr\u00eat (ex : pr\u00eat CEL ou PEL) car soumis \u00e0 une r\u00e9glementation. Sinon, ils sont d\u00e9termin\u00e9s par les taux du march\u00e9. Faites jouer la concurrence pour trouver le meilleur taux.\" \/>\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\/le-contenu-du-contrat-de-credit-immobilier\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le contenu du contrat de cr\u00e9dit immobilier - Le contrat de cr\u00e9dit immobilier - Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"og:description\" content=\"Les taux sont diff\u00e9rents d&#039;un cr\u00e9dit \u00e0 l&#039;autre : ils sont parfois impos\u00e9s par le type du pr\u00eat (ex : pr\u00eat CEL ou PEL) car soumis \u00e0 une r\u00e9glementation. Sinon, ils sont d\u00e9termin\u00e9s par les taux du march\u00e9. 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