{"id":527,"date":"2010-10-24T18:20:37","date_gmt":"2010-10-24T18:20:37","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=527"},"modified":"2010-10-24T18:20:37","modified_gmt":"2010-10-24T18:20:37","slug":"le-guide-du-rachat-de-credit","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2010\/10\/24\/le-guide-du-rachat-de-credit\/","title":{"rendered":"Le guide du rachat de cr\u00e9dit"},"content":{"rendered":"

Le rachat de cr\u00e9dit consiste \u00e0 rassembler\u00a0un ou plusieurs cr\u00e9dits existants et le remplacer par un seul cr\u00e9dit aux conditions plus avantageuses, soit en terme de taux, soit en terme de mensualit\u00e9.<\/p>\n

Le rachat de cr\u00e9dit est aussi appel\u00e9 consolidation ou regroupement de cr\u00e9dit. L\u2019objectif d\u2019un rachat de cr\u00e9dit est, soit de r\u00e9duire les taux d\u2019int\u00e9r\u00eats de ces cr\u00e9dits, soit d\u2019en diminuer le montant des \u00e9ch\u00e9ances.<\/p>\n

\n

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Qui est concern\u00e9 par le rachat de cr\u00e9dit\u00a0?<\/span><\/span><\/h3>\n

Tout le monde d\u00e8s lors qu\u2019il a un ou plusieurs cr\u00e9dits. Pour les frontaliers, le rachat de cr\u00e9dit peut \u00eatre l\u2019occasion de reprendre une partie des cr\u00e9dits en euro pour les passer en franc suisse, soit un taux plus avantageux et une meilleure protection contre le risque de change.<\/p>\n

\u00ab\u00a0Mon-taux.com\u00a0\u00bb vous accompagne dans les op\u00e9rations de rachat de cr\u00e9dit si vous d\u00e9tenez un bien immobilier. L\u2019inscription au fichier FICP (Fichier des incidents de paiement) n\u2019est pas r\u00e9dhibitoire contrairement \u00e0 une interdiction bancaire.<\/p>\n

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Les avantages du rachat de cr\u00e9dit\u00a0: <\/span><\/span><\/span><\/h3>\n

Besoin de r\u00e9aliser des travaux dans la maison, de financer les \u00e9tudes des enfants\u00a0 mais vos charges de cr\u00e9dit sont d\u00e9j\u00e0 au maximum\u00a0? <\/em><\/strong><\/p>\n

Vous avez contract\u00e9 diff\u00e9rents cr\u00e9dits pour votre maison et vous souhaitez n\u2019en avoir qu\u2019un seul\u00a0?<\/em><\/strong><\/p>\n

Le rachat de cr\u00e9dit consiste \u00e0 trouver un partenaire financier qui reprendra et\/ou regroupera vos pr\u00eats sous un seul et m\u00eame cr\u00e9dit. Cela peut se traiter avec votre banque actuelle, mais bien souvent il faut faire jouer la concurrence afin d\u2019obtenir les meilleures conditions. L\u2019op\u00e9ration de regroupement de cr\u00e9dit g\u00e9n\u00e8re \u00a0des \u00a0frais qui peuvent se r\u00e9v\u00e9ler tr\u00e8s important (frais de dossier, de garantie, de remboursement anticip\u00e9\u2026.). Il ne faut donc pas focaliser son attention simplement sur un taux ou une mensualit\u00e9 sur le co\u00fbt total de l\u2019op\u00e9ration. Pour obtenir un comparatif, d\u00e9posez une demande de rachat de cr\u00e9dit aupr\u00e8s de \u00ab\u00a0Mon-taux.com\u00a0\u00bb<\/p>\n

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Accumulation des cr\u00e9dits, accident de la vie, baisse de revenu, vous avez des difficult\u00e9s \u00e0 faire face \u00e0 tous vos cr\u00e9dits\u00a0?<\/em><\/strong><\/p>\n

L\u2019op\u00e9ration rachat de cr\u00e9dit va vous permettre de regrouper l\u2019ensemble de vos dettes sous un seul et m\u00eame pr\u00eat avec des \u00e9ch\u00e9ances conforme avec votre budget. Cette transaction signifie souvent un allongement de la dur\u00e9e de vos cr\u00e9dits mais cela surtout va vous permettre de retrouver une vie \u00ab\u00a0normale\u00a0\u00bb. Il ne faut surtout pas attendre une situation de surendettement avant d\u2019agir.<\/p>\n

Les banquiers ne sont pas toujours tr\u00e8s enthousiastes \u00e0 ce genre d\u2019op\u00e9ration, c\u2019est pourquoi nous pouvons faire appel \u00e0 des partenaires sp\u00e9cialis\u00e9s. Dans ce cas, s\u2019agissant d\u2019\u00e9tablissement fran\u00e7ais, le financement sera trait\u00e9 en \u20acuro. \u00a0Attention aux propositions miracles et aux interm\u00e9diaires qui pourraient vous demander des frais importants. Quelque soit la situation, vous devez pouvoir \u00e9valuer le co\u00fbt de cette op\u00e9ration. \u00a0Pour obtenir un comparatif, d\u00e9posez une demande de rachat de cr\u00e9dit aupr\u00e8s de \u00ab\u00a0Mon-taux.com\u00a0\u00bb.<\/p>\n

\n","protected":false},"excerpt":{"rendered":"

Le rachat de cr\u00e9dit consiste \u00e0 rassembler\u00a0un ou plusieurs cr\u00e9dits existants et le remplacer par un seul cr\u00e9dit aux conditions plus avantageuses, soit en terme de taux, soit en terme de mensualit\u00e9. Le rachat de cr\u00e9dit est aussi appel\u00e9 consolidation ou regroupement de cr\u00e9dit. L\u2019objectif d\u2019un rachat de cr\u00e9dit est, soit de r\u00e9duire les taux […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,4],"tags":[],"class_list":{"0":"post-527","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-credit","7":"category-rachat-de-credits-actualites","8":"czr-hentry"},"yoast_head":"\nLe guide du rachat 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\/10\/24\/le-guide-du-rachat-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le guide du rachat de cr\u00e9dit - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"Le rachat de cr\u00e9dit consiste \u00e0 rassembler\u00a0un ou plusieurs cr\u00e9dits existants et le remplacer par un seul cr\u00e9dit aux conditions plus avantageuses, soit en terme de taux, soit en terme de mensualit\u00e9. Le rachat de cr\u00e9dit est aussi appel\u00e9 consolidation ou regroupement de cr\u00e9dit. 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