{"id":1139,"date":"2023-09-14T17:18:33","date_gmt":"2023-09-14T15:18:33","guid":{"rendered":"https:\/\/novo-finances.fr\/?page_id=1139"},"modified":"2024-01-17T16:01:33","modified_gmt":"2024-01-17T15:01:33","slug":"faq","status":"publish","type":"page","link":"https:\/\/novo-finances.fr\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1139\" class=\"elementor elementor-1139\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a7f90fa elementor-section-height-min-height elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"2a7f90fa\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b6b3ac7\" data-id=\"5b6b3ac7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ca295fe elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5ca295fe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 08-12-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Nous avons d\u00e9j\u00e0 la r\u00e9ponse \u00e0 vos questions !<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12dfae92 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"12dfae92\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 08-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Retrouvez les questions les plus pos\u00e9es en rendez-vous.<br \/>Si vous avez besoin de plus de renseignements, n&rsquo;h\u00e9sitez pas \u00e0 nous contacter directement.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51cf8f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51cf8f9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f39ace8\" data-id=\"f39ace8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f4c23f6 elementor-widget elementor-widget-heading\" data-id=\"f4c23f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sommaire<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e406a9 elementor-widget elementor-widget-text-editor\" data-id=\"2e406a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul style=\"list-style: none; line-height: 1em; color: #282d31;\">\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q1\">Qu&rsquo;est-ce qu&rsquo;un courtier en pr\u00eats immobiliers ?<\/a><\/li>\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q2\">Comment un courtier est r\u00e9mun\u00e9r\u00e9 ?<\/a><\/li>\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q3\">Je souhaite faire une simulation de pr\u00eat, comment faire ?<\/a><\/li>\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q4\">Quelles sont les \u00e9tapes d&rsquo;un pr\u00eat immobilier ?<\/a><\/li>\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q5\">Puis-je emprunter sans apport ?<\/a><\/li>\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q6\">\u00c0 quoi sert l&rsquo;assurance de pr\u00eat ?<\/a><\/li>\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q7\">J&rsquo;ai un probl\u00e8me de sant\u00e9, vais-je devoir remplir un questionnaire de sant\u00e9 ?<\/a><\/li>\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q8\">Comment comparer diff\u00e9rentes offres de pr\u00eat ?<\/a><\/li>\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q9\">Si je souhaite rembourser mon pr\u00eat par anticipation, vais-je devoir payer des p\u00e9nalit\u00e9s ?<\/a><\/li>\n \t<li style=\"border-bottom: solid 1px #975F4B; padding-bottom: 10px;\"><i class=\"fa-solid fa-arrow-right\" style=\"color: #975f4b; margin-left: -30px; margin-right: 15px;\"><\/i><a href=\"#q10\">Quand pourrais-je ren\u00e9gocier mon pr\u00eat ?<\/a><\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-63b4d7a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63b4d7a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e1e8891\" data-id=\"e1e8891\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f42b54 elementor-widget elementor-widget-spacer\" data-id=\"6f42b54\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 08-12-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-09944d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"09944d4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ef9b558\" data-id=\"ef9b558\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6beb82a elementor-widget elementor-widget-heading\" data-id=\"6beb82a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Toutes vos questions :<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30bfbe7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30bfbe7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ef139aa\" data-id=\"ef139aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-39b8e84 elementor-widget elementor-widget-spacer\" data-id=\"39b8e84\" data-element_type=\"widget\" id=\"q1\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5520701 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5520701\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0415f72\" data-id=\"0415f72\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54ceb3d elementor-widget elementor-widget-heading\" data-id=\"54ceb3d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce qu'un courtier en pr\u00eats immobiliers ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-199138b elementor-widget elementor-widget-text-editor\" data-id=\"199138b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Un courtier en pr\u00eats immobiliers est un professionnel sp\u00e9cialis\u00e9 dans le domaine de la finance et de l&rsquo;immobilier. Son r\u00f4le est d&rsquo;aider et d\u2019accompagner ses clients, particuliers ou professionnels, dans leurs d\u00e9marches de recherche de financement afin de leur trouver les meilleures conditions de march\u00e9.<\/p>\n\n<p>Cet interm\u00e9diaire va dans un premier temps calculer la capacit\u00e9 d\u2019emprunt de son client et le conseiller en fonction de ses besoins. Son travail consiste ensuite \u00e0 n\u00e9gocier aupr\u00e8s des banques la meilleure offre de pr\u00eat (taux, assurance, frais de dossier\u2026) tout en respectant les crit\u00e8res d\u2019octroi de ces derni\u00e8res. Jusqu\u2019\u00e0 la signature de l\u2019acte authentique, le courtier immobilier accompagne son client \u00e0 chaque \u00e9tape.<\/p>\n\n<p>En contrepartie de ses services, le courtier en pr\u00eats immobiliers per\u00e7oit une r\u00e9mun\u00e9ration sous la forme d\u2019honoraires, g\u00e9n\u00e9ralement calcul\u00e9e en pourcentage du montant total du pr\u00eat (entre 1% et 3% du montant emprunt\u00e9).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e1497e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e1497e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-46d2914\" data-id=\"46d2914\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1b4787 elementor-widget elementor-widget-spacer\" data-id=\"f1b4787\" data-element_type=\"widget\" id=\"q2\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-faad5bf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"faad5bf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-265f36f\" data-id=\"265f36f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee8b846 elementor-widget elementor-widget-heading\" data-id=\"ee8b846\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment un courtier est-il r\u00e9mun\u00e9r\u00e9 ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b12f08 elementor-widget elementor-widget-text-editor\" data-id=\"8b12f08\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Le courtier en pr\u00eats immobiliers est g\u00e9n\u00e9ralement r\u00e9mun\u00e9r\u00e9 de 2 fa\u00e7ons :<\/p><ul><li>Par le biais d\u2019une commission vers\u00e9e par la banque au cabinet en contrepartie de l\u2019apport du dossier complet. En g\u00e9n\u00e9ral, l\u2019organisme verse 0,50% du montant emprunt\u00e9 mais cette pratique tend de plus en plus \u00e0 dispara\u00eetre ces derni\u00e8res ann\u00e9es.<\/li><li>Par le biais d\u2019honoraires de courtage vers\u00e9s par le client. Ces frais ne sont dus que si le projet se concr\u00e9tise et leur versement ne pourra avoir lieu qu\u2019apr\u00e8s le d\u00e9blocage du pr\u00eat (loi Murcef)<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0f10990 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0f10990\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a9e385\" data-id=\"7a9e385\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b7eb3b5 elementor-widget elementor-widget-spacer\" data-id=\"b7eb3b5\" data-element_type=\"widget\" id=\"q3\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7cfde14 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cfde14\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-adb64c1\" data-id=\"adb64c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e2201d elementor-widget elementor-widget-heading\" data-id=\"3e2201d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Je souhaite faire une simulation de pr\u00eat, comment faire ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e00328e elementor-widget elementor-widget-text-editor\" data-id=\"e00328e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Si vous souhaitez faire une simulation de pr\u00eat, il existe plusieurs m\u00e9thodes pour y parvenir. Voici quelques pistes qui pourraient vous aider :<\/p><ul><li>Prendre rendez-vous avec son conseiller : celui-ci pourra calculer une enveloppe mais si votre profil ne correspond aux crit\u00e8res de la banque, il faudra que vous contactiez une autre banque.<\/li><li>Faire une simulation en ligne afin de savoir quelle serait la mensualit\u00e9 pour un montant emprunt\u00e9 donn\u00e9 (sans savoir si votre pr\u00eat pourra \u00eatre accept\u00e9 ou non).<\/li><li>Contacter un courtier qui se chargera de faire le tour des banques \u00e0 votre place. Il \u00e9tudiera votre capacit\u00e9 d\u2019emprunt en fonction de votre situation familiale, professionnelle et financi\u00e8re. Celui-ci saura d\u00e9terminer la meilleure solution de financement adapt\u00e9e \u00e0 vos besoins.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57fd94f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57fd94f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a3adde\" data-id=\"3a3adde\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b2eeb3 elementor-widget elementor-widget-spacer\" data-id=\"9b2eeb3\" data-element_type=\"widget\" id=\"q4\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c86cb05 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c86cb05\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f3e1047\" data-id=\"f3e1047\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-650f86b elementor-widget elementor-widget-heading\" data-id=\"650f86b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quelles sont les \u00e9tapes d'un pr\u00eat immobilier ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7b6e08 elementor-widget elementor-widget-text-editor\" data-id=\"d7b6e08\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tL\u2019achat immobilier est une \u00e9tape importante dans la vie d\u2019un m\u00e9nage. En r\u00e8gle g\u00e9n\u00e9ral, il est financ\u00e9 via un apport personnel compl\u00e9t\u00e9 par un pr\u00eat immobilier.\n\nVoici les 9 \u00e9tapes cl\u00e9s pour obtenir son cr\u00e9dit :\n<ol>\n \t<li>Obtenir sa capacit\u00e9 d\u2019emprunt via un courtier immobilier ou une banque<\/li>\n \t<li>Recherche d\u2019un bien immobilier en fonction du budget d\u00e9fini<\/li>\n \t<li>Faire une offre d\u2019achat sur le bien trouv\u00e9<\/li>\n \t<li>Signer un compromis<\/li>\n \t<li>D\u00e9p\u00f4t de la demande de pr\u00eat \u00e0 la banque<\/li>\n \t<li>Edition de l\u2019offre de pr\u00eat<\/li>\n \t<li>Acceptation de l\u2019offre de pr\u00eat<\/li>\n \t<li>D\u00e9blocage du pr\u00eat<\/li>\n \t<li>Signature de l\u2019acte authentique chez le notaire<\/li>\n<\/ol>\nLe courtier en pr\u00eats immobiliers vous accompagne \u00e0 chacune de ces \u00e9tapes.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a32580 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a32580\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c8c2f5\" data-id=\"1c8c2f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99fc0f5 elementor-widget elementor-widget-spacer\" data-id=\"99fc0f5\" data-element_type=\"widget\" id=\"q5\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f4cb979 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f4cb979\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ec2f0fe\" data-id=\"ec2f0fe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5811c48 elementor-widget elementor-widget-heading\" data-id=\"5811c48\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Puis-je emprunter sans apport ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77ed458 elementor-widget elementor-widget-text-editor\" data-id=\"77ed458\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Oui, il est encore possible d\u2019emprunter sans apport!<\/p><p>Certains \u00e9tablissements bancaires peuvent exiger un apport minimum \u00e0 hauteur de l\u2019ensemble des frais (frais de notaire, frais de garantie, frais de dossier). Cependant, en fonction de la pr\u00e9paration de votre dossier de financement (bonne gestion bancaire, mise en place d\u2019une \u00e9pargne r\u00e9guli\u00e8re, ect\u2026) les conditions d\u2019octroi peuvent \u00eatre plus souples notamment pour les primo-acc\u00e9dants.<\/p><p>Toutefois, n\u00e9gocier son pr\u00eat immobilier avec un apport personnel permet d\u2019obtenir de meilleures conditions de financement.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a724cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a724cc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-588b12f\" data-id=\"588b12f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ec9e8f elementor-widget elementor-widget-spacer\" data-id=\"6ec9e8f\" data-element_type=\"widget\" id=\"q6\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7909dd3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7909dd3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5cfac96\" data-id=\"5cfac96\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fe0fa1 elementor-widget elementor-widget-heading\" data-id=\"2fe0fa1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00c0 quoi sert l'assurance de pr\u00eat ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06b3f4e elementor-widget elementor-widget-text-editor\" data-id=\"06b3f4e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tL&rsquo;assurance de pr\u00eat est un contrat destin\u00e9 \u00e0 couvrir les risques li\u00e9s \u00e0 un cr\u00e9dit immobilier. Elle permet de prot\u00e9ger l&#8217;emprunteur et sa famille en cas de d\u00e9c\u00e8s, d&rsquo;invalidit\u00e9 ou d&rsquo;incapacit\u00e9 total de travail. En effet, si l&rsquo;un de ces \u00e9v\u00e9nements survient, l&rsquo;assurance prend en charge le remboursement de tout ou partie du cr\u00e9dit immobilier contract\u00e9.\n\nL&rsquo;assurance de pr\u00eat n&rsquo;est pas obligatoire, mais elle est exig\u00e9e par les banques pour s\u00e9curiser le pr\u00eat immobilier. Elle permet \u00e9galement de rassurer les pr\u00eateurs en couvrant les risques financiers li\u00e9s \u00e0 l&#8217;emprunt.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f7bbe0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f7bbe0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-507e17d\" data-id=\"507e17d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c18df7 elementor-widget elementor-widget-spacer\" data-id=\"2c18df7\" data-element_type=\"widget\" id=\"q7\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4340656 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4340656\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c1e182\" data-id=\"9c1e182\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fc2ede elementor-widget elementor-widget-heading\" data-id=\"2fc2ede\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">J\u2019ai un probl\u00e8me de sant\u00e9, vais-je devoir remplir un questionnaire de sant\u00e9 ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a236b9 elementor-widget elementor-widget-text-editor\" data-id=\"7a236b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tDepuis juin 2022 et la mise en place de la loi Lemoine, vous ne devez plus remplir de questionnaire de sant\u00e9 si vous respectez les conditions suivantes :\n<ul>\n \t<li>s\u2019assurer pour 200 000\u20ac maximum (tous pr\u00eats confondus)<\/li>\n \t<li>avoir moins de 60 ans au terme de la fin du pr\u00eat<\/li>\n<\/ul>\nSi vous n\u2019entrez pas dans ces crit\u00e8res, vous devrez remplir un questionnaire de sant\u00e9 permettant \u00e0 l\u2019assureur d\u2019\u00e9valuer le risque \u00e0 couvrir et donc son tarif. Il existe aussi un dispositif de droit \u00e0 l\u2019oubli permettant \u00e0 l\u2019assur\u00e9 de ne pas d\u00e9clarer sa pathologie.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-76c5f31 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"76c5f31\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fef066e\" data-id=\"fef066e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f2e428 elementor-widget elementor-widget-spacer\" data-id=\"8f2e428\" data-element_type=\"widget\" id=\"q8\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fdc5d7f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fdc5d7f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9e10fa3\" data-id=\"9e10fa3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50a6906 elementor-widget elementor-widget-heading\" data-id=\"50a6906\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment comparer diff\u00e9rentes offres de pr\u00eat ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d7ee5a elementor-widget elementor-widget-text-editor\" data-id=\"1d7ee5a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tLorsque vous cherchez \u00e0 obtenir un pr\u00eat, il est important de comparer les diff\u00e9rentes offres disponibles afin de choisir celle qui correspond le mieux \u00e0 vos besoins financiers. Voici quelques \u00e9l\u00e9ments \u00e0 prendre en compte lors de la comparaison des offres de pr\u00eat : \n<ul>\n<li>le taux d\u2019int\u00e9r\u00eat du cr\u00e9dit (\u00e9galement taux nominal) \n<li>le co\u00fbt de l\u2019assurance emprunteur en fonction de la quotit\u00e9 assur\u00e9e et des garanties choisies<\/li>\n<li>les frais annexes (frais de dossier, frais de garantie ou de cautionnement\u2026)<\/li>\n<li>la dur\u00e9e de remboursement de l\u2019emprunt<\/li>\n<li>les modalit\u00e9s de remboursement anticip\u00e9 (payante ou gratuite)<\/li>\n<\/ul>\nEn passant par un courtier, vous vous assurez d\u2019avoir un bilan comparatif des diff\u00e9rentes offres du march\u00e9 et d\u2019avoir le cr\u00e9dit le plus adapt\u00e9 \u00e0 votre situation.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b6252ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b6252ea\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c96231\" data-id=\"5c96231\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c73b6d elementor-widget elementor-widget-spacer\" data-id=\"3c73b6d\" data-element_type=\"widget\" id=\"q9\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ca0542f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca0542f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-95b5e1e\" data-id=\"95b5e1e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55c9e41 elementor-widget elementor-widget-heading\" data-id=\"55c9e41\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Si je souhaite rembourser mon pr\u00eat par anticipation, vais-je devoir payer des p\u00e9nalit\u00e9s ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa1ef67 elementor-widget elementor-widget-text-editor\" data-id=\"fa1ef67\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tS\u2019il s\u2019agit d\u2019un pr\u00eat immobilier, le code de la consommation pr\u00e9voit qu\u2019en cas de remboursement anticip\u00e9 du pr\u00eat, la banque peut demander une indemnit\u00e9 dont le montant ne peut pas d\u00e9passer 6 mois d\u2019int\u00e9r\u00eats et 3% du capital restant d\u00fb. Il est possible d\u2019\u00eatre exon\u00e9r\u00e9 de cette indemnit\u00e9 de remboursement anticip\u00e9 (IRA) dans le cadre de la n\u00e9gociation du pr\u00eat au moment de sa mise en place, ou bien dans le cas de ces \u00e9v\u00e8nements : mutation, licenciement, d\u00e9c\u00e8s\u2026 Dans le cas d\u2019un pr\u00eat \u00e0 la consommation, le pr\u00eateur peut appliquer des p\u00e9nalit\u00e9s, dans ce cas il faut se r\u00e9f\u00e9rer au contrat.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f68fc9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f68fc9d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d8ae082\" data-id=\"d8ae082\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36161e4 elementor-widget elementor-widget-spacer\" data-id=\"36161e4\" data-element_type=\"widget\" id=\"q10\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27573d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27573d8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c29d9ff\" data-id=\"c29d9ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46d74d4 elementor-widget elementor-widget-heading\" data-id=\"46d74d4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quand pourrais-je ren\u00e9gocier mon pr\u00eat ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91f5b62 elementor-widget elementor-widget-text-editor\" data-id=\"91f5b62\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Depuis 2022, le march\u00e9 bancaire vit une hausse importante des taux d\u2019int\u00e9r\u00eats (de 1,50% en janvier 2022 \u00e0 4,30% en novembre 2023 sur une dur\u00e9e de 25 ans par exemple). De ce fait, si vous venez de contracter un pr\u00eat (ou prochainement), il est l\u00e9gitime de se demander quand vous pourrez ren\u00e9gocier votre pr\u00eat. N\u2019ayant pas de boules de cristal, nous ne pouvons pas vous dire quand, mais \u00e0 quelle occasion vous pourrez le faire : lorsque les taux d\u2019int\u00e9r\u00eats auront baiss\u00e9 d\u2019au moins 1% par rapport \u00e0 votre taux actuel.<\/p><p>\u00c0 ne pas confondre avec un rachat de pr\u00eat, si par exemple vous souhaitez baisser vos mensualit\u00e9s, il existe des solutions de financement permettant de regrouper plusieurs cr\u00e9dits et d\u2019allonger leur dur\u00e9e afin de diminuer vos charges d\u2019emprunt et donc augmenter votre pouvoir d\u2019achat.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90d59da elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90d59da\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c898c6\" data-id=\"9c898c6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da347d0 elementor-widget elementor-widget-spacer\" data-id=\"da347d0\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Nous avons d\u00e9j\u00e0 la r\u00e9ponse \u00e0 vos questions ! Retrouvez les questions les plus pos\u00e9es en rendez-vous.Si vous avez besoin de plus de renseignements, n&rsquo;h\u00e9sitez pas \u00e0 nous contacter directement. Sommaire Qu&rsquo;est-ce qu&rsquo;un courtier en pr\u00eats immobiliers ? Comment un courtier est r\u00e9mun\u00e9r\u00e9 ? Je souhaite faire une simulation de pr\u00eat, comment faire ? Quelles&hellip;&nbsp;<a href=\"https:\/\/novo-finances.fr\/faq\/\" class=\"\" rel=\"bookmark\">Lire la suite &raquo;<span class=\"screen-reader-text\">FAQ<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"on","footnotes":""},"class_list":["post-1139","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.9.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FAQ - Novo Finances<\/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:\/\/novo-finances.fr\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - Novo Finances\" \/>\n<meta property=\"og:description\" content=\"Nous avons d\u00e9j\u00e0 la r\u00e9ponse \u00e0 vos questions ! 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Retrouvez les questions les plus pos\u00e9es en rendez-vous.Si vous avez besoin de plus de renseignements, n&rsquo;h\u00e9sitez pas \u00e0 nous contacter directement. Sommaire Qu&rsquo;est-ce qu&rsquo;un courtier en pr\u00eats immobiliers ? Comment un courtier est r\u00e9mun\u00e9r\u00e9 ? Je souhaite faire une simulation de pr\u00eat, comment faire ? 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