{"id":1170,"date":"2010-11-16T16:40:38","date_gmt":"2010-11-16T15:40:38","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=1170"},"modified":"2010-11-16T16:40:38","modified_gmt":"2010-11-16T15:40:38","slug":"feu-vert-pour-la-renegociation-de-votre-credit","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2010\/11\/16\/feu-vert-pour-la-renegociation-de-votre-credit\/","title":{"rendered":"18\/11\/10 &#8211; Feu vert pour la ren\u00e9gociation de cr\u00e9dit"},"content":{"rendered":"<p style=\"text-align: justify\">\u00a0<\/p>\n<table border=\"0\">\n<tbody>\n<tr>\n<td><span style=\"font-size: small\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-5386\" src=\"https:\/\/mon-taux-de-change.com\/wp-content\/uploads\/2010\/11\/Capture-d\u2019\u00e9cran-2012-04-02-\u00e0-15.21.44.png\" alt=\"\" width=\"184\" height=\"225\" \/><\/span><\/td>\n<td>\n<p><span style=\"font-size: small\">Les conditions actuelles de change et de taux de cr\u00e9dit sont hyper favorables aux <strong>frontaliers <\/strong>dans leur quotidien mais surtout dans le cadre d\u2019un nouveau financement immobilier.<\/span><\/p>\n<p><span style=\"font-size: small\">Cela n\u2019a pas toujours \u00e9t\u00e9 le cas, notamment fin 2007 o\u00f9 les taux de cr\u00e9dits immobiliers avoisinaient les 4% avec un change proche de 1.60.<\/span><\/p>\n<p><span style=\"font-size: small\">Ce dernier point est tr\u00e8s p\u00e9nalisant aujourd\u2019hui pour ceux qui souhaitent revendre leur bien acquis pendant cette p\u00e9riode car, pour un logement d\u2019une valeur de \u20ac 200&#8217;000.- fin 2007, ils ont emprunt\u00e9 CHF 320&#8217;000.-<\/span><\/p>\n<p><span style=\"font-size: small\">Avec un<strong> taux de change <\/strong>\u00e0 1.33 ils doivent revendre actuellement leur bien 20% plus cher soit CHF 240&#8217;000.- pour pouvoir solder leur cr\u00e9dit.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">L\u2019effet de l\u2019amortissement pourra r\u00e9duire un peu le montant de la note, enfin pour ceux qui n\u2019auraient pas fait le choix \u00ab judicieux \u00bb d\u2019un amortissement indirect via un troisi\u00e8me pilier investi en fonds de placement et dont la valeur est aujourd\u2019hui proche de z\u00e9ro\u2026<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">Pour ce qui concerne la <strong>ren\u00e9gociation de cr\u00e9dit de pr\u00eat en devise<\/strong>, nous ne rencontrons pas du tout ce probl\u00e8me car le nouveau financement en CHF viendra solder l\u2019ancien financement en CHF. Il n\u2019y aura donc aucun impact du change dans cette transaction.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">La <strong>ren\u00e9gociation des taux<\/strong> est pertinente pour les taux fixes de moins de 5 ans avec un taux sup\u00e9rieur \u00e0 3.5% et une belle opportunit\u00e9 pour ceux qui ont emprunt\u00e9 avec un taux cap\u00e9 de faire baisser le taux du cap.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">Alors \u00e0 vos calculettes, et n\u2019h\u00e9sitez pas \u00e0 simuler votre situation ou \u00e0 solliciter les conseillers \u00ab Mon-taux.com \u00bb pour vous accompagner vers cette op\u00e9ration.<\/span><\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 Les conditions actuelles de change et de taux de cr\u00e9dit sont hyper favorables aux frontaliers dans leur quotidien mais surtout dans le cadre d\u2019un nouveau financement immobilier. Cela n\u2019a pas toujours \u00e9t\u00e9 le cas, notamment fin 2007 o\u00f9 les taux de cr\u00e9dits immobiliers avoisinaient les 4% avec un change proche de 1.60. Ce dernier [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1173,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,5,4],"tags":[],"class_list":{"0":"post-1170","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-argent-patrimoine","8":"category-immobilier-actualites","9":"category-rachat-de-credits-actualites","10":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>18\/11\/10 - Feu vert pour la ren\u00e9gociation de cr\u00e9dit - Mon-taux.com - Blog des experts en frontaliers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mon-taux.com\/blog\/2010\/11\/16\/feu-vert-pour-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=\"18\/11\/10 - Feu vert pour la ren\u00e9gociation de cr\u00e9dit - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"\u00a0 Les conditions actuelles de change et de taux de cr\u00e9dit sont hyper favorables aux frontaliers dans leur quotidien mais surtout dans le cadre d\u2019un nouveau financement immobilier. 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