{"id":351366,"date":"2019-10-24T09:30:00","date_gmt":"2019-10-24T07:30:00","guid":{"rendered":"https:\/\/www.blog.monsieurhugo.com\/2019\/10\/24\/credit-immobilier-attention-aux-prets\/"},"modified":"2026-01-20T15:42:49","modified_gmt":"2026-01-20T14:42:49","slug":"credit-immobilier-attention-aux-prets","status":"publish","type":"post","link":"https:\/\/www.monsieurhugo.com\/blog\/2019\/10\/24\/credit-immobilier-attention-aux-prets\/","title":{"rendered":"Cr\u00e9dit immobilier : attention aux pr\u00eats simplifi\u00e9s…"},"content":{"rendered":"

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Le pr\u00eat \u00e0 taux lisse est un pr\u00eat distribu\u00e9 depuis 2017 par les banques du groupe BPCE<\/b> (Banque Populaire et Caisse d’Epargne).<\/span><\/span><\/p>\n

Sa promesse : vous simplifier le cr\u00e9dit en fusionnant les mensualit\u00e9s de cr\u00e9dit et d\u2019assurance<\/b>, en une seule et m\u00eame \u00e9ch\u00e9ance. L’objectif \u00e9tant de n’avoir qu’une seule mensualit\u00e9 constante pendant la dur\u00e9e du pr\u00eat.
<\/span><\/span>
Pourquoi pas me direz vous ? Mais voil\u00e0 derri\u00e8re la promesse de simplification, ce produit vous ferait payer votre assurance bien plus cher et retarderait le remboursement de votre capital<\/b>, selon plusieurs courtiers.<\/span><\/span><\/p>\n

Pour le courtier en assurance de pr\u00eat Magnolia, il s’agit d’un syst\u00e8me tr\u00e8s opaque<\/b> qui emp\u00eache de \u00ab\u00a0comprendre ce que l\u2019on paie r\u00e9ellement\u201d. Ils vont m\u00eame plus loin en affirmant que ce type de pr\u00eat co\u00fbterait bien plus cher \u00e0 l\u2019emprunteur, par rapport \u00e0 un cr\u00e9dit amortissable classique\u2026<\/p>\n

D\u2019apr\u00e8s les simulations de Magnolia, pour un cr\u00e9dit de 250.000 euros sur 25 ans, au taux de 1,05%, le co\u00fbt total d\u2019un cr\u00e9dit \u00e0 taux lisse serait sup\u00e9rieur de 15.000 euros \u00e0 celui d\u2019un cr\u00e9dit classique<\/b>. Et plus la dur\u00e9e de cr\u00e9dit est courte et plus l\u2019augmentation du co\u00fbt serait marqu\u00e9e.<\/p>\n

Pour une dur\u00e9e moyenne de cr\u00e9dit de 8 ans (dur\u00e9e moyenne de remboursement d’un cr\u00e9dit), lorsque le propri\u00e9taire revend son bien, selon Magnolia toujours, la perte par rapport \u00e0 un cr\u00e9dit classique serait de 16.000 euros.<\/p>\n

La raison ? Les \u00e9ch\u00e9ances d\u2019assurance de pr\u00eat sont d\u2019ordinaire calcul\u00e9es sur le capital initialement emprunt\u00e9. Mais dans le pr\u00eat a taux lisse propos\u00e9 par la BPCE, les<\/b> cotisations d\u2019assurance sont \u00e9tablies sur le capital restant d\u00fb<\/b>… Et qui plus est, les premi\u00e8res ann\u00e9es de remboursement du capital emprunt\u00e9 sont majoritairement allou\u00e9s au paiement de l\u2019assurance. En d\u2019autres terme, vous payez l\u2019assurance avant m\u00eame de rembourser le capital, ce qui rench\u00e9rit m\u00e9caniquement le co\u00fbt total de votre cr\u00e9dit.<\/span><\/span><\/p>\n

Mais ce n\u2019est pas tout : taux de l’assurance emprunteur bien sup\u00e9rieur que celui obtenu en cas de d\u00e9l\u00e9gation, r\u00e9siliation du contrat plus difficile… et r\u00e9ponse de la BPCE, vous d\u00e9couvrirez tout dans cet article publi\u00e9 par Capital que vous trouverez ici<\/u><\/span><\/a>.<\/p>\n

Bon cr\u00e9dit,<\/p>\n

Monsieur Hugo<\/span><\/b>,<\/span><\/span><\/span><\/div>\n
votre assistant personnel en gestion locative.<\/span><\/div>\n
\u00a0<\/span><\/div>\n
Retrouvez-moi sur\u00a0<\/b>Facebook<\/u><\/span><\/a><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span>
<\/a><\/div>\n
Je vous sugg\u00e8re aussi :<\/span>
>\u00a0<\/span>Comment calculer le rendement locatif via notre simulateur de rentabilit\u00e9<\/span><\/span><\/u><\/span><\/a>
>\u00a0<\/span>Le top 3 des banques qui pr\u00eatent !<\/span><\/span><\/u><\/span><\/a>
>\u00a0<\/span>Pouvez-vous d\u00e9duire les charges d’un logement vacant entre 2 locations ?<\/span><\/span><\/u><\/span><\/a><\/div>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Le pr\u00eat \u00e0 taux lisse est un pr\u00eat distribu\u00e9 depuis 2017 par les banques du groupe BPCE (Banque Populaire et Caisse d’Epargne). Sa promesse : vous simplifier le cr\u00e9dit en fusionnant les mensualit\u00e9s de cr\u00e9dit et d\u2019assurance, en une seule et m\u00eame \u00e9ch\u00e9ance. L’objectif \u00e9tant de n’avoir qu’une seule mensualit\u00e9 constante pendant la dur\u00e9e du […]<\/p>\n","protected":false},"author":1,"featured_media":352598,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"

\"Monsieur<\/div>


Le pr\u00eat \u00e0 taux lisse est un pr\u00eat distribu\u00e9 depuis 2017 par les banques du groupe BPCE<\/b> (Banque Populaire et Caisse d'Epargne).<\/span><\/span><\/p>

Sa promesse : vous simplifier le cr\u00e9dit en fusionnant les mensualit\u00e9s de cr\u00e9dit et d\u2019assurance<\/b>, en une seule et m\u00eame \u00e9ch\u00e9ance. L'objectif \u00e9tant de n'avoir qu'une seule mensualit\u00e9 constante pendant la dur\u00e9e du pr\u00eat.\u00a0

<\/span><\/span>
Pourquoi pas me direz vous ? Mais voil\u00e0 derri\u00e8re la promesse de simplification, ce produit vous ferait payer votre assurance bien plus cher et retarderait le remboursement de votre capital<\/b>, selon plusieurs courtiers.<\/span><\/span><\/p>

Pour le courtier en assurance de pr\u00eat Magnolia, il s'agit d'un syst\u00e8me tr\u00e8s opaque<\/b> qui emp\u00eache de \"comprendre ce que l\u2019on paie r\u00e9ellement\u201d. Ils vont m\u00eame plus loin en affirmant que ce type de pr\u00eat co\u00fbterait bien plus cher \u00e0 l\u2019emprunteur, par rapport \u00e0 un cr\u00e9dit amortissable classique\u2026<\/p>

D\u2019apr\u00e8s les simulations de Magnolia, pour un cr\u00e9dit de 250.000 euros sur 25 ans, au taux de 1,05%, le co\u00fbt total d\u2019un cr\u00e9dit \u00e0 taux lisse serait sup\u00e9rieur de 15.000 euros \u00e0 celui d\u2019un cr\u00e9dit classique<\/b>. Et plus la dur\u00e9e de cr\u00e9dit est courte et plus l\u2019augmentation du co\u00fbt serait marqu\u00e9e.<\/p>

Pour une dur\u00e9e moyenne de cr\u00e9dit de 8 ans (dur\u00e9e moyenne de remboursement d'un cr\u00e9dit), lorsque le propri\u00e9taire revend son bien, selon Magnolia toujours, la perte par rapport \u00e0 un cr\u00e9dit classique serait de 16.000 euros.\u00a0<\/p>

La raison ? Les \u00e9ch\u00e9ances d\u2019assurance de pr\u00eat sont d\u2019ordinaire calcul\u00e9es sur le capital initialement emprunt\u00e9. Mais dans le pr\u00eat a taux lisse propos\u00e9 par la BPCE, les<\/b> cotisations d\u2019assurance sont \u00e9tablies sur le capital restant d\u00fb<\/b>... Et qui plus est, les premi\u00e8res ann\u00e9es de remboursement du capital emprunt\u00e9 sont majoritairement allou\u00e9s au paiement de l\u2019assurance. En d\u2019autres terme, vous payez l\u2019assurance avant m\u00eame de rembourser le capital, ce qui rench\u00e9rit m\u00e9caniquement le co\u00fbt total de votre cr\u00e9dit.<\/span><\/span><\/p>

Mais ce n\u2019est pas tout : taux de l'assurance emprunteur bien sup\u00e9rieur que celui obtenu en cas de d\u00e9l\u00e9gation, r\u00e9siliation du contrat plus difficile... et r\u00e9ponse de la BPCE, vous d\u00e9couvrirez tout dans cet article publi\u00e9 par Capital que vous trouverez ici<\/u><\/span><\/a>.<\/p>

Bon cr\u00e9dit,<\/p>

Monsieur Hugo<\/span><\/b>,<\/span><\/span><\/span><\/div>
votre assistant personnel en gestion locative.<\/span><\/div>
\u00a0<\/span><\/div>
Restons en conta<\/b>ct !\u00a0<\/b><\/span><\/span><\/span><\/div>
Inscrivez-vous d\u00e8s maintenant \u00e0 ma\u00a0<\/span>NEWSLETTER<\/span><\/span><\/b><\/u><\/span><\/a>, pour b\u00e9n\u00e9ficier de conseils sur la\u00a0gestion locative en ligne<\/b>\u00a0et\u00a0\u00eatre avertis des \u00e9volutions importantes pour louer en toute s\u00e9curit\u00e9.<\/span><\/span><\/span><\/span>

<\/span><\/span><\/div>
Retrouvez-moi sur\u00a0<\/b>Facebook<\/u><\/span><\/a><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span>
<\/a><\/div>

Je vous sugg\u00e8re aussi :<\/span>
>\u00a0<\/span>Comment calculer le rendement locatif via notre simulateur de rentabilit\u00e9<\/span><\/span><\/u><\/span><\/a>
>\u00a0<\/span>Le top 3 des banques qui pr\u00eatent !<\/span><\/span><\/u><\/span><\/a>
>\u00a0<\/span>Pouvez-vous d\u00e9duire les charges d'un logement vacant entre 2 locations ?<\/span><\/span><\/u><\/span><\/a><\/div>","_et_gb_content_width":"","footnotes":""},"categories":[46],"tags":[],"class_list":["post-351366","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-immobilier"],"acf":[],"yoast_head":"\nCr\u00e9dit immobilier : attention aux pr\u00eats simplifi\u00e9s... - Monsieur Hugo<\/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:\/\/www.monsieurhugo.com\/blog\/2019\/10\/24\/credit-immobilier-attention-aux-prets\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : attention aux pr\u00eats simplifi\u00e9s... - Monsieur Hugo\" \/>\n<meta property=\"og:description\" content=\"Le pr\u00eat \u00e0 taux lisse est un pr\u00eat distribu\u00e9 depuis 2017 par les banques du groupe BPCE (Banque Populaire et Caisse d'Epargne). Sa promesse : vous simplifier le cr\u00e9dit en fusionnant les mensualit\u00e9s de cr\u00e9dit et d\u2019assurance, en une seule et m\u00eame \u00e9ch\u00e9ance. 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