{"id":1900,"date":"2023-10-04T22:13:43","date_gmt":"2023-10-04T20:13:43","guid":{"rendered":"https:\/\/novo-finances.fr\/?page_id=1900"},"modified":"2024-02-28T17:04:46","modified_gmt":"2024-02-28T16:04:46","slug":"rachat-de-credit","status":"publish","type":"page","link":"https:\/\/novo-finances.fr\/rachat-de-credit\/","title":{"rendered":"Rachat de cr\u00e9dit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1900\" class=\"elementor elementor-1900\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23115219 elementor-section-height-min-height elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"23115219\" 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-70fd4786\" data-id=\"70fd4786\" 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-56324d93 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"56324d93\" 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\">Rachat de cr\u00e9dit\u200b<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f52cf1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2f52cf1\" 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>Lib\u00e9rez-vous des contraintes financi\u00e8res avec notre service de rachat de cr\u00e9dits sur mesure. Chez NOVO FINANCES, nous comprenons les d\u00e9fis auxquels vous pouvez \u00eatre confront\u00e9s en mati\u00e8re de remboursements de pr\u00eats. Notre \u00e9quipe d\u2019experts d\u00e9vou\u00e9s s&rsquo;engage \u00e0 vous offrir des solutions personnalis\u00e9es pour regrouper vos cr\u00e9dits, r\u00e9duire vos mensualit\u00e9s et vous permettre de retrouver une stabilit\u00e9 financi\u00e8re. D\u00e9couvrons comment vous pouvez retrouver du pouvoir d\u2019achat.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08dbb7f elementor-widget elementor-widget-button\" data-id=\"08dbb7f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/novo-finances.fr\/rendez-vous-avec-un-expert\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous avec un expert<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\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-dc25010 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dc25010\" 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-a0f8a46\" data-id=\"a0f8a46\" 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-591db04 elementor-widget elementor-widget-heading\" data-id=\"591db04\" 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\">C'est quoi un rachat de cr\u00e9dits ?<\/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-8fbb31f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8fbb31f\" 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-495c615\" data-id=\"495c615\" 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-132a763 elementor-widget elementor-widget-text-editor\" data-id=\"132a763\" 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 rachat de cr\u00e9dit est une solution financi\u00e8re c\u2019est regrouper plusieurs cr\u00e9dits donc plusieurs mensualit\u00e9s en une seule. Appel\u00e9e \u00e9galement restructuration de pr\u00eats ou regroupement de cr\u00e9dits, il permet de soulager financi\u00e8rement un m\u00e9nage ayant des charges de cr\u00e9dits trop importantes et d\u2019anticiper une situation o\u00f9 celui-ci ne pourrait plus faire face \u00e0 ses dettes (surendettement).<br \/><br \/>Il est possible de racheter diff\u00e9rents types de pr\u00eats\u00a0: conso, auto, travaux, immo, autorisation de d\u00e9couvert mais \u00e9galement des dettes d\u2019imp\u00f4ts, factures\u2026<\/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-61b63fe4 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"61b63fe4\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6da8880a\" data-id=\"6da8880a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-73dd399e elementor-widget elementor-widget-html\" data-id=\"73dd399e\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<i class=\"fa-solid fa-arrow-down-wide-short\" style=\"display:flex;flex-direction:column;align-items:center;justify-content:center;font-size:48px;color:#E9E3D7;\"><\/i>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-661716da elementor-widget elementor-widget-heading\" data-id=\"661716da\" 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-medium\">Diminuer ses mensualit\u00e9s<\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-643b06ed\" data-id=\"643b06ed\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-4a8c4c4b elementor-widget elementor-widget-html\" data-id=\"4a8c4c4b\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<i class=\"fa-solid fa-scale-unbalanced\" style=\"display:flex;flex-direction:column;align-items:center;justify-content:center;font-size:48px;color:#E9E3D7;\"><\/i>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68216a61 elementor-widget elementor-widget-heading\" data-id=\"68216a61\" 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-medium\">Soulager son budget<\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-12a1e3ef\" data-id=\"12a1e3ef\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-3ef70df elementor-widget elementor-widget-html\" data-id=\"3ef70df\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<i class=\"fa-regular fa-calendar-check\" style=\"display:flex;flex-direction:column;align-items:center;justify-content:center;font-size:48px;color:#E9E3D7;\"><\/i>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32dd4d3f elementor-widget elementor-widget-heading\" data-id=\"32dd4d3f\" 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-medium\">Gagner du temps<\/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-85aec91 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"85aec91\" 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-1210b1d\" data-id=\"1210b1d\" 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-12e0983 elementor-widget elementor-widget-spacer\" data-id=\"12e0983\" 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-0c4800b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c4800b\" 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-b1aa332\" data-id=\"b1aa332\" 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-fd84140 elementor-widget elementor-widget-heading\" data-id=\"fd84140\" 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\">Pourquoi faire un rachat de cr\u00e9dit ?<\/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-a5de56a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a5de56a\" 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-435c68c\" data-id=\"435c68c\" 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-5b60eb7 elementor-widget elementor-widget-text-editor\" data-id=\"5b60eb7\" 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>\u00c0 ne pas confondre avec la ren\u00e9gociation du taux d\u2019int\u00e9r\u00eat d\u2019un pr\u00eat immobilier (ou rachat de cr\u00e9dit immo), le RAC permet d\u2019adapter vos charges d\u2019emprunt face \u00e0 des d\u00e9penses exceptionnelles ou bien \u00e0 un changement de situation (arriv\u00e9e d\u2019un enfant, changement de v\u00e9hicule, financement des \u00e9tudes, travaux de r\u00e9novation et d\u2019\u00e9conomie d\u2019\u00e9nergie\u2026).<\/p><p>Le RAC est aussi une solution en vue de pr\u00e9parer un projet immobilier. La loi contraint les banques de respecter un taux d\u2019endettement de 35% lors de l\u2019octroi d\u2019un pr\u00eat immobilier. De ce fait, si le cumul de votre future mensualit\u00e9 de pr\u00eat immobilier et de vos cr\u00e9dits en cours d\u00e9passe cette norme, votre pr\u00eat pourrait \u00eatre refus\u00e9 par la banque.<\/p><p>La solution serait donc de faire racheter vos cr\u00e9dits conso en cours via un \u00e9tablissement de cr\u00e9dits, rallonger leurs dur\u00e9es r\u00e9siduelles afin de baisser vos mensualit\u00e9s, ce qui permettra de lib\u00e9rer votre taux d\u2019endettement et donc d\u2019acheter votre bien immobilier.<\/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-2bf18d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2bf18d5\" 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-ebee72a\" data-id=\"ebee72a\" 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-42b212f elementor-widget elementor-widget-heading\" data-id=\"42b212f\" 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\">Quels sont les avantages \u00e0 faire un regroupement de cr\u00e9dit ?<\/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-5bbc563 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5bbc563\" 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-fe9e051\" data-id=\"fe9e051\" 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-87d7466 elementor-widget elementor-widget-spacer\" data-id=\"87d7466\" 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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e5823e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e5823e\" 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-50 elementor-top-column elementor-element elementor-element-10d0493f\" data-id=\"10d0493f\" 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-f8bd8b elementor-widget elementor-widget-image\" data-id=\"f8bd8b\" data-element_type=\"widget\" data-widget_type=\"image.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-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/novo-finances.fr\/wp-content\/uploads\/2023\/10\/close-up-people-working-from-home.jpg\" class=\"attachment-thumbnail size-thumbnail wp-image-2004\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3cfac360\" data-id=\"3cfac360\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-1c237685 elementor-widget elementor-widget-text-editor\" data-id=\"1c237685\" 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><\/p>\n<ul style=\"padding-left: var(--listpad,0); list-style: none;\">\n<li><i class=\"fa-regular fa-circle-dot\" style=\"font-size: 0.8rem; font-weight: bold; color: #e9e3d7; padding-right: 10px;\"><\/i>R\u00e9duction des mensualit\u00e9s : En regroupant plusieurs pr\u00eats en un seul, les emprunteurs peuvent souvent b\u00e9n\u00e9ficier d&rsquo;une mensualit\u00e9 globale moins \u00e9lev\u00e9e, ce qui soulage leur charge financi\u00e8re mensuelle.<\/li>\n<li><i class=\"fa-regular fa-circle-dot\" style=\"font-size: 0.8rem; font-weight: bold; color: #e9e3d7; padding-right: 10px;\"><\/i>Simplification de la gestion financi\u00e8re : Un seul pr\u00eat signifie une seule mensualit\u00e9 et un seul cr\u00e9ancier, simplifiant ainsi la gestion financi\u00e8re et \u00e9vitant les \u00e9ventuels oublis de paiement.<\/li>\n<li><i class=\"fa-regular fa-circle-dot\" style=\"font-size: 0.8rem; font-weight: bold; color: #e9e3d7; padding-right: 10px;\"><\/i>R\u00e9duction des taux d&rsquo;int\u00e9r\u00eat : Le rachat de cr\u00e9dits peut permettre de b\u00e9n\u00e9ficier de taux d&rsquo;int\u00e9r\u00eat plus avantageux, ce qui peut g\u00e9n\u00e9rer des \u00e9conomies substantielles sur le co\u00fbt total du remboursement.<\/li>\n<li><i class=\"fa-regular fa-circle-dot\" style=\"font-size: 0.8rem; font-weight: bold; color: #e9e3d7; padding-right: 10px;\"><\/i>Adaptation aux capacit\u00e9s de remboursement : En ajoutant la dur\u00e9e du pr\u00eat, le rachat de cr\u00e9dits permet d&rsquo;aligner les remboursements sur les capacit\u00e9s financi\u00e8res actuelles de l&#8217;emprunteur, \u00e9vitant ainsi les situation de surendettement.<\/li>\n<li><span class=\"fa-regular fa-circle-dot\" style=\"display: var(--fa-display,inline-block); font-weight: bold; font-size: 0.8rem; color: rgb(233, 227, 215); padding-right: 10px;\"><\/span>Am\u00e9lioration de la situation financi\u00e8re : En consolidant les dettes, le rachat de cr\u00e9dits peut contribuer \u00e0 redresser la situation financi\u00e8re de l&#8217;emprunteur en lui offrant une perspective plus claire et durable pour sortir de l&rsquo;endettement.<\/li><li><span class=\"fa-regular fa-circle-dot\" style=\"display: var(--fa-display,inline-block); font-weight: bold; font-size: 0.8rem; color: rgb(233, 227, 215); padding-right: 10px;\"><\/span>Financier un nouveau projet : En ajoutant une tr\u00e9sorerie au capital restant d\u00fb rachet\u00e9 (achat de v\u00e9hicule, \u00e9tudes&#8230;)<\/li>\n<\/ul><div>\n<\/div>\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-392782f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"392782f\" 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-dd3da1c\" data-id=\"dd3da1c\" 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-bd6df15 elementor-widget elementor-widget-spacer\" data-id=\"bd6df15\" 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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-356abfc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"356abfc\" 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-f232fd9\" data-id=\"f232fd9\" 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-5b7f1dd elementor-widget elementor-widget-heading\" data-id=\"5b7f1dd\" 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\">Pourquoi passer par un courtier pour mon regroupement de cr\u00e9dits ?<\/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-b3713f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3713f1\" 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-7b49a82\" data-id=\"7b49a82\" 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-b31c574 elementor-widget elementor-widget-text-editor\" data-id=\"b31c574\" 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 saura vous conseiller et adapter la meilleure solution de financement pour votre rachat de pr\u00eat. Pour l\u2019\u00e9tude, il prendra en compte les \u00e9l\u00e9ments tels que votre situation familiale, financi\u00e8re, professionnelle et vos contraintes financi\u00e8res. A partir de ces donn\u00e9es il \u00e9tablira un bilan avec vous et vous proposera plusieurs solutions.<\/p><p>Passer par un courtier en rachat de cr\u00e9dits permet \u00e9galement de faire le tour des \u00e9tablissements pr\u00eateurs en une seule fois\u00a0et d\u2019avoir le maximum de solutions \u00e0 proposer (montant du pr\u00eat, dur\u00e9e maximum de remboursement, pr\u00eat hypoth\u00e9caire\u2026).<\/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-d816e0e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d816e0e\" data-element_type=\"section\" data-settings=\"{&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-50 elementor-top-column elementor-element elementor-element-85da881\" data-id=\"85da881\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-24f8eef elementor-widget elementor-widget-heading\" data-id=\"24f8eef\" 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\">Vous avez des questions ? Contactez-nous !<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eaaed5 elementor-widget elementor-widget-text-editor\" data-id=\"5eaaed5\" 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>Prenez contact avec notre \u00e9quipe d&rsquo;experts en pr\u00eats immobiliers : nous sommes l\u00e0 pour r\u00e9pondre \u00e0 toutes vos questions et vous guider dans la concr\u00e9tisation de votre projet immobilier.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f47251 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1f47251\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/novo-finances.fr\/rendez-vous-avec-un-expert\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre contact avec un courtier<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e97faf5\" data-id=\"e97faf5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\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>Rachat de cr\u00e9dit\u200b Lib\u00e9rez-vous des contraintes financi\u00e8res avec notre service de rachat de cr\u00e9dits sur mesure. Chez NOVO FINANCES, nous comprenons les d\u00e9fis auxquels vous pouvez \u00eatre confront\u00e9s en mati\u00e8re de remboursements de pr\u00eats. Notre \u00e9quipe d\u2019experts d\u00e9vou\u00e9s s&rsquo;engage \u00e0 vous offrir des solutions personnalis\u00e9es pour regrouper vos cr\u00e9dits, r\u00e9duire vos mensualit\u00e9s et vous permettre&hellip;&nbsp;<a href=\"https:\/\/novo-finances.fr\/rachat-de-credit\/\" class=\"\" rel=\"bookmark\">Lire la suite &raquo;<span class=\"screen-reader-text\">Rachat de cr\u00e9dit<\/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":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.9.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rachat de cr\u00e9dit - 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\/rachat-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rachat de cr\u00e9dit - Novo Finances\" \/>\n<meta property=\"og:description\" content=\"Rachat de cr\u00e9dit\u200b Lib\u00e9rez-vous des contraintes financi\u00e8res avec notre service de rachat de cr\u00e9dits sur mesure. Chez NOVO FINANCES, nous comprenons les d\u00e9fis auxquels vous pouvez \u00eatre confront\u00e9s en mati\u00e8re de remboursements de pr\u00eats. 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