{"id":15366,"date":"2021-11-12T10:16:24","date_gmt":"2021-11-12T09:16:24","guid":{"rendered":"https:\/\/secondsouffle.co\/?p=15366"},"modified":"2021-11-12T10:28:51","modified_gmt":"2021-11-12T09:28:51","slug":"nos-conseils-pour-eviter-le-pret-relais","status":"publish","type":"post","link":"https:\/\/secondsouffle.co\/index.php\/2021\/11\/12\/nos-conseils-pour-eviter-le-pret-relais\/","title":{"rendered":"Nos conseils pour \u00e9viter le pr\u00eat relais"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15366\" class=\"elementor elementor-15366\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-12f64cb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12f64cb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c28cff5\" data-id=\"c28cff5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84e68e3 elementor-widget elementor-widget-heading\" data-id=\"84e68e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Nos conseils pour \u00e9viter le pr\u00eat relais<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a66c58a elementor-mobile-align-center elementor-widget elementor-widget-post-info\" data-id=\"a66c58a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-b014cd4 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/secondsouffle.co\/index.php\/2021\/11\/12\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12 192h424c6.6 0 12 5.4 12 12v260c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V204c0-6.6 5.4-12 12-12zm436-44v-36c0-26.5-21.5-48-48-48h-48V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H160V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H48C21.5 64 0 85.5 0 112v36c0 6.6 5.4 12 12 12h424c6.6 0 12-5.4 12-12z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>novembre 12, 2021<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-4499c28 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-clock\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm61.8-104.4l-84.9-61.7c-3.1-2.3-4.9-5.9-4.9-9.7V116c0-6.6 5.4-12 12-12h32c6.6 0 12 5.4 12 12v141.7l66.8 48.6c5.4 3.9 6.5 11.4 2.6 16.8L334.6 349c-3.9 5.3-11.4 6.5-16.8 2.6z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-time\">\n\t\t\t\t\t\t\t\t\t\t<time>10:16 am<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-9026d4d elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-user\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M313.6 304c-28.7 0-42.5 16-89.6 16-47.1 0-60.8-16-89.6-16C60.2 304 0 364.2 0 438.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-25.6c0-74.2-60.2-134.4-134.4-134.4zM400 464H48v-25.6c0-47.6 38.8-86.4 86.4-86.4 14.6 0 38.3 16 89.6 16 51.7 0 74.9-16 89.6-16 47.6 0 86.4 38.8 86.4 86.4V464zM224 288c79.5 0 144-64.5 144-144S303.5 0 224 0 80 64.5 80 144s64.5 144 144 144zm0-240c52.9 0 96 43.1 96 96s-43.1 96-96 96-96-43.1-96-96 43.1-96 96-96z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\tCamille Caire\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-cfc54d4 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-tags\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.941 225.941L286.059 14.059A48 48 0 0 0 252.118 0H48C21.49 0 0 21.49 0 48v204.118a48 48 0 0 0 14.059 33.941l211.882 211.882c18.744 18.745 49.136 18.746 67.882 0l204.118-204.118c18.745-18.745 18.745-49.137 0-67.882zM112 160c-26.51 0-48-21.49-48-48s21.49-48 48-48 48 21.49 48 48-21.49 48-48 48zm513.941 133.823L421.823 497.941c-18.745 18.745-49.137 18.745-67.882 0l-.36-.36L527.64 323.522c16.999-16.999 26.36-39.6 26.36-63.64s-9.362-46.641-26.36-63.64L331.397 0h48.721a48 48 0 0 1 33.941 14.059l211.882 211.882c18.745 18.745 18.745 49.137 0 67.882z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<a href=\"https:\/\/secondsouffle.co\/index.php\/category\/immobilier\/\" class=\"elementor-post-info__terms-list-item\">Immobilier et juridique<\/a>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8c0a9df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8c0a9df\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-bfd61b0\" data-id=\"bfd61b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6285f0a elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"6285f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/secondsouffle.co\/wp-content\/uploads\/elementor\/thumbs\/pret-relais-pfy5gqx759jx6itstl0w645dwzpsv9ibibhhkdntl4.jpg\" title=\"pret-relais\" alt=\"pret-relais\" loading=\"lazy\" \/>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1232b9e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1232b9e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-fa121a6\" data-id=\"fa121a6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55ea867 elementor-widget elementor-widget-spacer\" data-id=\"55ea867\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208760e elementor-widget elementor-widget-text-editor\" data-id=\"208760e\" data-element_type=\"widget\" data-e-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\t\t<p>Votre b\u00e9b\u00e9 arrive et vous souhaitez acheter plus grand\u00a0? Le confinement dans votre appartement vous a donn\u00e9 envie d\u2019acqu\u00e9rir une maison avec jardin\u00a0? Probl\u00e8me\u00a0: faire co\u00efncider revente et nouvel achat n\u2019est pas chose ais\u00e9e. Votre r\u00e9flexe est donc d\u2019envisager la souscription d\u2019un pr\u00eat relais. Au regard du co\u00fbt de ce type d\u2019emprunt et des risques qu\u2019il fait peser sur votre budget, il vaut mieux choisir une alternative. Nos conseils pour \u00e9viter le pr\u00eat relais\u00a0!<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-089c51c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"089c51c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-61eb756\" data-id=\"61eb756\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4db6fe4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4db6fe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a01a3ca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a01a3ca\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-b85dbba\" data-id=\"b85dbba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67ed5a2 elementor-widget elementor-widget-heading\" data-id=\"67ed5a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le pr\u00eat relais, pourquoi faut-il s\u2019en m\u00e9fier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62d2ed9 elementor-widget elementor-widget-text-editor\" data-id=\"62d2ed9\" data-element_type=\"widget\" data-e-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\t\t<p>Certes, le pr\u00eat relais pr\u00e9sente un avantage\u00a0: vous permettre d\u2019acqu\u00e9rir le bien de vos r\u00eaves avant la revente de celui que vous poss\u00e9dez d\u00e9j\u00e0. Mais vous devrez composer <strong>avec un taux d\u2019emprunt \u00e9lev\u00e9, avec le risque de payer deux mensualit\u00e9s et celui de subir une certaine pression des banques.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eff89dd elementor-widget elementor-widget-spacer\" data-id=\"eff89dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f1f4d96 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f1f4d96\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-c6249b4\" data-id=\"c6249b4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec3413b elementor-widget elementor-widget-heading\" data-id=\"ec3413b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le pr\u00eat relais, un financement co\u00fbteux<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b72a34a elementor-widget elementor-widget-text-editor\" data-id=\"b72a34a\" data-element_type=\"widget\" data-e-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\t\t<p>Conclu sur une dur\u00e9e maximale de 2 ans, le pr\u00eat relais est <strong>une solution de court terme.<\/strong> L\u2019\u00e9tablissement bancaire proc\u00e8de \u00e0 l\u2019\u00e9valuation du prix de votre logement et vous accorde un cr\u00e9dit sur 70 \u00e0 80 % de ce montant. Elle d\u00e9duira ensuite le capital restant d\u00fb du pr\u00eat que vous remboursez d\u00e9j\u00e0. Vous solderez le cr\u00e9dit relais au moment de la revente du bien.<\/p><p>Alors, pourquoi le pr\u00eat relais est-il co\u00fbteux\u00a0? Comme vous le concluez <strong>sur une dur\u00e9e courte, et que la banque doit tout de m\u00eame r\u00e9aliser une marge<\/strong>, le taux d\u2019emprunt est assez \u00e9lev\u00e9.<\/p><p>En outre, le pr\u00eat relais est propos\u00e9 moyennant deux formules\u00a0:<\/p><ul><li><strong>Le pr\u00eat relais avec franchise totale\u00a0:<\/strong> vous diff\u00e9rez le remboursement du capital et des int\u00e9r\u00eats jusqu\u2019\u00e0 la revente du bien. Les int\u00e9r\u00eats que vous auriez d\u00fb payer viennent s\u2019ajouter au capital restant d\u00fb et produisent \u00e0 leur tour des int\u00e9r\u00eats, appel\u00e9s int\u00e9r\u00eats intercalaires\u00a0;<\/li><li><strong>Le pr\u00eat relais avec franchise partielle\u00a0:<\/strong> vous payez les int\u00e9r\u00eats pendant la dur\u00e9e du diff\u00e9r\u00e9 et le capital lors de la revente.<\/li><\/ul><p>\u00a0<\/p><p>Si vous optez pour la premi\u00e8re formule, le pr\u00eat relais vous reviendra assez cher\u00a0!<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b856847 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b856847\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-80662ad\" data-id=\"80662ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca7a906 elementor-widget elementor-widget-spacer\" data-id=\"ca7a906\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a5ffc8 elementor-widget elementor-widget-heading\" data-id=\"7a5ffc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le pr\u00eat relais, une op\u00e9ration risqu\u00e9e<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-282ae9a elementor-widget elementor-widget-text-editor\" data-id=\"282ae9a\" data-element_type=\"widget\" data-e-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\t\t<p>Lorsque le bien que vous vendez est d\u2019un co\u00fbt \u00e9gal ou sup\u00e9rieur \u00e0 celui que vous vendez, alors la banque vous consent <strong>une simple avance d\u2019argent avec un pr\u00eat relais sec.<\/strong><\/p><p>En revanche, si la valeur de votre bien actuel est inf\u00e9rieure \u00e0 celle du nouveau logement, le cr\u00e9dit relais devra \u00eatre compl\u00e9t\u00e9 par un pr\u00eat immobilier classique. On parle alors de <strong>pr\u00eat relais adoss\u00e9<\/strong>, et c\u2019est le plus fr\u00e9quent sur le march\u00e9.<\/p><p>Si vous ne parvenez pas \u00e0 revendre votre logement dans les 2 ans, <strong>vous devrez assumer deux mensualit\u00e9s<\/strong> (celle du cr\u00e9dit actuel et celle du cr\u00e9dit relais). Comme elles ne sont pas forc\u00e9ment adapt\u00e9es \u00e0 votre budget, vous vous exposez \u00e0 un risque de surendettement.<\/p><p>Enfin, sachez qu\u2019il n\u2019est pas rare que<strong> certains \u00e9tablissements pr\u00eateurs mettent la pression<\/strong> sur les vendeurs pour qu\u2019ils vendent vite\u2026 Quitte \u00e0 ce que la transaction s\u2019effectue en dessous du prix du march\u00e9, \u00e0 votre d\u00e9triment.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6226af5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6226af5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-d860417\" data-id=\"d860417\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-464191f elementor-widget elementor-widget-spacer\" data-id=\"464191f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eab674e elementor-widget elementor-widget-heading\" data-id=\"eab674e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que faire pour \u00e9viter le pr\u00eat relais ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9565207 elementor-widget elementor-widget-text-editor\" data-id=\"9565207\" data-element_type=\"widget\" data-e-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\t\t<p>Vous le constatez, ce type de cr\u00e9dit immobilier n\u2019est pas sans danger. Voici <strong>deux alternatives<\/strong> pour \u00e9viter le pr\u00eat relais.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-743b761 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"743b761\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-9581e45\" data-id=\"9581e45\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f561d22 elementor-widget elementor-widget-spacer\" data-id=\"f561d22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5160a86 elementor-widget elementor-widget-heading\" data-id=\"5160a86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Souscrire un pr\u00eat achat-revente<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a595340 elementor-widget elementor-widget-text-editor\" data-id=\"a595340\" data-element_type=\"widget\" data-e-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\t\t<p>Le <strong>pr\u00eat achat-revente<\/strong> fonctionne plus ou moins sur le m\u00eame principe que le pr\u00eat relais, \u00e0 la diff\u00e9rence pr\u00e8s que le capital restant d\u00fb n\u2019est pas d\u00e9duit des fonds avanc\u00e9s.<\/p><p>Le bien immobilier fait l\u2019objet d\u2019une \u00e9valuation par des experts, et la banque vous apporte entre <strong>70 et 80 % du montant de l\u2019estimation.<\/strong> Cette somme est ajout\u00e9e \u00e0 votre cr\u00e9dit en cours, qui fait l\u2019objet d\u2019un rachat, sur une seule ligne de cr\u00e9dit. Vous assumez donc une mensualit\u00e9 unique.<\/p><p>Vous disposez ensuite d\u2019un <strong>d\u00e9lai de 2 ans<\/strong> pour revendre votre bien. Le produit de la vente sera affect\u00e9 au remboursement de l\u2019avance de 70 et 80 %. Le <strong>reliquat sera sold\u00e9<\/strong> comme dans le cadre d\u2019un pr\u00eat immobilier classique.<\/p><p>L\u2019inconv\u00e9nient de cette op\u00e9ration, c\u2019est que le rachat de cr\u00e9dit par un nouvel organisme de cr\u00e9dit suppose le versement de p\u00e9nalit\u00e9s de remboursement anticip\u00e9 \u00e0 votre ancienne banque. Ces indemnit\u00e9s s\u2019\u00e9l\u00e8vent \u00e0<strong> 3 % du capital restant d\u00fb avant remboursement ou 6 mois d\u2019int\u00e9r\u00eats.<\/strong> Un montant \u00e9lev\u00e9 si vous \u00eates en d\u00e9but de cr\u00e9dit\u00a0!<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-140b0ed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"140b0ed\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-344b07f\" data-id=\"344b07f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8807d15 elementor-widget elementor-widget-spacer\" data-id=\"8807d15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e05a02b elementor-widget elementor-widget-heading\" data-id=\"e05a02b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Faire appel \u00e0 un Ibuyers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56a7da7 elementor-widget elementor-widget-text-editor\" data-id=\"56a7da7\" data-element_type=\"widget\" data-e-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\t\t<p>Encore m\u00e9connue des propri\u00e9taires, une alternative au pr\u00eat relais gagne du terrain en France : les soci\u00e9t\u00e9s Ibuyers comme <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.homeloop.fr\/?utm_source=Second_souffle&amp;utm_medium=Referral&amp;utm_campaign=Second_souffle_Pret_Relais\">Homeloop<\/a><\/strong><\/span><strong>.<\/strong> Bouleversant les codes traditionnels de l\u2019immobilier, cette start-up en ligne propose de<strong> vous racheter votre bien immobilier, moyennant une d\u00e9cote de 8 % sur le prix de vente, expertis\u00e9 par des sp\u00e9cialistes en valorisation.<\/strong><\/p><p>Ce service s\u2019av\u00e8re avantageux car il vous offre <strong>la garantie d\u2019une vente certaine et rapide.<\/strong> Seule condition\u00a0: votre bien immobilier doit se situer en r\u00e9gion parisienne, lilloise, nantaise ou lyonnaise.<\/p><p>Apr\u00e8s \u00e9tude de votre dossier et s\u2019il est accept\u00e9 par Homeloop, la start-up vous transmet<strong> une offre d\u2019achat dans les 24h.<\/strong> Les acqu\u00e9reurs press\u00e9s par le temps appr\u00e9cieront.<\/p><p>En outre, la soci\u00e9t\u00e9 Ibuyer n\u2019\u00e9tant pas un particulier, elle <strong>ne dispose pas du droit de r\u00e9tractation de 10 jours.<\/strong> \u00c0 distance, vous signez le compromis de vente dans les 7 jours, sans condition suspensive d\u2019obtention d\u2019un pr\u00eat immobilier.<\/p><p>Toute la transaction, y compromis la signature de l\u2019acte notari\u00e9 de vente d\u00e9finitive, s\u2019effectue de <strong>mani\u00e8re d\u00e9mat\u00e9rialis\u00e9e\u00a0:<\/strong> encore du temps de gagn\u00e9\u00a0! Au final, vous mettrez <strong>3 mois maximum pour vendre votre bien<\/strong> \u00e0 Homeloop, contre 6 \u00e0 9 mois sur le circuit traditionnel.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e0007f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e0007f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-86312e7\" data-id=\"86312e7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-840ef49 elementor-widget elementor-widget-spacer\" data-id=\"840ef49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d4f41c elementor-widget elementor-widget-post-navigation\" data-id=\"2d4f41c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-navigation.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation\" role=\"navigation\" aria-label=\"Navigation de publication\">\n\t\t\t<div class=\"elementor-post-navigation__prev elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/secondsouffle.co\/index.php\/2021\/11\/10\/renovation-electrique-votre-guide-complet-et-prix-2021\/\" rel=\"prev\"><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-prev\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-left\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.7 239l136-136c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9L127.9 256l96.4 96.4c9.4 9.4 9.4 24.6 0 33.9L201.7 409c-9.4 9.4-24.6 9.4-33.9 0l-136-136c-9.5-9.4-9.5-24.6-.1-34z\"><\/path><\/svg><span class=\"elementor-screen-only\">Pr\u00e9c\u00e9dent<\/span><\/span><span class=\"elementor-post-navigation__link__prev\"><span class=\"post-navigation__prev--label\">Article Pr\u00e9c\u00e9dent<\/span><span class=\"post-navigation__prev--title\">R\u00e9novation \u00e9lectrique : votre guide complet et prix 2021<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-post-navigation__next elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/secondsouffle.co\/index.php\/2021\/11\/29\/quelles-sont-les-tendances-deco-a-venir-pour-lannee-2022\/\" rel=\"next\"><span class=\"elementor-post-navigation__link__next\"><span class=\"post-navigation__next--label\">Article Suivant<\/span><span class=\"post-navigation__next--title\">Quelles sont les tendances d\u00e9co \u00e0 venir pour l&rsquo;ann\u00e9e 2022 ?<\/span><\/span><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-next\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><span class=\"elementor-screen-only\">Suivant<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aabcd80 elementor-widget elementor-widget-spacer\" data-id=\"aabcd80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Votre b\u00e9b\u00e9 arrive et vous souhaitez acheter plus grand ? Le confinement dans votre appartement vous a donn\u00e9 envie d\u2019acqu\u00e9rir une maison avec jardin ? Probl\u00e8me : faire co\u00efncider revente et nouvel achat n\u2019est pas chose ais\u00e9e. Votre r\u00e9flexe est donc d\u2019envisager la souscription d\u2019un pr\u00eat relais. Au regard du co\u00fbt de ce type d\u2019emprunt et des risques qu\u2019il fait peser sur votre budget, il vaut mieux choisir une alternative. Nos conseils pour \u00e9viter le pr\u00eat relais ! <\/p>\n","protected":false},"author":1,"featured_media":15367,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-15366","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-immobilier"],"aioseo_notices":[],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/posts\/15366","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/comments?post=15366"}],"version-history":[{"count":0,"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/posts\/15366\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/media\/15367"}],"wp:attachment":[{"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/media?parent=15366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/categories?post=15366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/secondsouffle.co\/index.php\/wp-json\/wp\/v2\/tags?post=15366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}