Le moment de renégocier son prêt immobilier ?

Renégocier son crédit immobilier peut, dans certains cas, permettre de faire des économies substantielles sur le coût total de ce crédit. Pour que ce soit intéressant, il faut regarder du côté des taux d’intérêt : à quels taux avez-vous obtenu votre crédit ? A combien s’élèvent les taux actuellement ? Si les taux sont bas et que vous avez contracté un crédit avec des taux beaucoup plus élevés, le calcul peut être intéressant. La question mérite d’être posée actuellement étant donné que les taux sont bas (environ 3,13 %). Mais pour savoir si c’est vraiment intéressant au point de vue financier, il convient de prendre en compte différents éléments. Rappelons pour commencer que chaque mois, vous remboursez votre crédit : un certain montant qui comprend à la fois le remboursement du capital et des intérêts. La part de l’un et de l’autre est variable selon plusieurs critères et notamment le temps : les premiers mois, ce sont surtout les intérêts qui sont remboursés ! Plus le temps passe, plus on rembourse du capital, et moins le remboursement anticipé est intéressant. De manière générale donc, tous les emprunts contractés récemment (par exemple, entre 2008 et 2011, avec des taux largement supérieurs à 4 %) ont certainement intérêt à être renégociés. Pour que l’opération soit gagnante, on peut résumer en affirmant que l’écart entre les taux (taux obtenu pour l’emprunt en cours et taux à obtenir) doit dépasser le pourcent (1 %). A ne pas négliger : renégocier son crédit immobilier n’est pas sans frais et ces frais sont parfois très élevés. Notre conclusion : les renégociations de crédit sont relativement complexes et s’étudient au cas par cas. Le meilleur réflexe reste de demander une simulation à votre organisme de crédit et à la concurrence et d’étudier attentivement le tableau d’amortissement qu’ils vous fourniront.

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