{"id":2008,"date":"2020-08-07T09:42:15","date_gmt":"2020-08-07T08:42:15","guid":{"rendered":"https:\/\/pressetaux.fr\/bethune\/?p=2008"},"modified":"2020-08-07T09:44:01","modified_gmt":"2020-08-07T08:44:01","slug":"assouplir-taux-usure","status":"publish","type":"post","link":"https:\/\/pressetaux.fr\/bethune\/assouplir-taux-usure\/","title":{"rendered":"Assouplir le taux d\u2019usure, est-ce possible ?"},"content":{"rendered":"<p><b><img loading=\"lazy\" class=\"alignright wp-image-6814\" src=\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2018\/11\/Taux-interrogation_1.jpg\" alt=\"\" width=\"220\" height=\"149\" \/>Vous souhaitez investir dans un bien immobilier mais vous \u00eates confront\u00e9 \u00e0 un taux d\u2019usure trop bas et votre banque refuse de vous accorder un pr\u00eat ? Une derni\u00e8re option s\u2019offre \u00e0 vous : faire appel \u00e0 un professionnel du cr\u00e9dit pour tenter de contourner le taux d\u2019usure via un montage optimis\u00e9 de votre dossier de financement ! Les courtiers du r\u00e9seau PresseTaux t\u00e9moignent.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">On ne va pas tergiverser : les courtiers PresseTaux s\u2019accordent sur le fait que le taux d\u2019usure reste extr\u00eamement compliqu\u00e9 \u00e0 contourner. Le moyen d\u2019action dont l\u2019emprunteur dispose r\u00e9ellement est, comme l\u2019explique <\/span><a href=\"https:\/\/pressetaux.fr\/cambrai\/courtier-en-credit-caudry\/\"><span style=\"font-weight: 400;\">Jean-Philippe Journet<\/span><\/a><span style=\"font-weight: 400;\"> (PresseTaux Caudry), de <\/span><i><span style=\"font-weight: 400;\">\u201cbaisser au maximum les frais, tous confondus\u201d<\/span><\/i><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><!--more--><\/p>\n<p><span style=\"font-weight: 400;\">Y a-t-il cependant un quelconque recours concernant le taux d\u2019usure en tant que tel ? Cela serait possible pour des situations sp\u00e9cifiques, avis que d\u00e9veloppe <\/span><a href=\"https:\/\/pressetaux.fr\/dijon\/courtier-dijon\/\"><span style=\"font-weight: 400;\">Magali Zeller<\/span><\/a><span style=\"font-weight: 400;\"> (PresseTaux Dijon) : <\/span><i><span style=\"font-weight: 400;\">\u201cDans certains cas, il est possible de contourner le taux d&rsquo;usure : comme ce taux se base sur les frais obligatoires du dossier, tout tient \u00e0 rendre facultatif ce qui est obligatoire. La nuance est subtile !\u201d<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cL&rsquo;assurance emprunteur en est un bon exemple, avec notamment l&rsquo;option en cas d&rsquo;arr\u00eat de travail de plus de 90 jours ou l&rsquo;assurance \u00e0 100 % sur chaque emprunteur. Or si la banque accepte de diminuer ses exigences dites obligatoires, certains frais d&rsquo;assurance ne rentreront plus dans le calcul du Taux annuel effectif global (TAEG). Cela peut passer par le fait de ne pas assurer l&rsquo;arr\u00eat de travail ou moins assurer la personne \u00e0 risque au profit du co-emprunteur plus facilement assurable\u2026\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Elle met cependant en garde : <\/span><i><span style=\"font-weight: 400;\">\u201cIl est primordial que l&#8217;emprunteur soit bien assur\u00e9. J\u2019insiste bien sur ce point. En passant par un assureur externe, une fois l&rsquo;accord de banque obtenu sur les conditions d&rsquo;assurance all\u00e9g\u00e9es, cela n\u2019emp\u00eache pas pour autant l\u2019emprunteur de demander \u00e0 son assureur d&rsquo;augmenter sa couverture avant le d\u00e9blocage du pr\u00eat.\u201d<\/span><\/i><\/p>\n<p><a href=\"https:\/\/pressetaux.fr\/bethune\/courtier-henin-et-carvin\/\"><span style=\"font-weight: 400;\">Damien Lagache<\/span><\/a><span style=\"font-weight: 400;\">, courtier PresseTaux \u00e0 B\u00e9thune, donne une autre piste : <\/span><i><span style=\"font-weight: 400;\">\u201cOn peut assouplir le taux d&rsquo;usure en ne finan\u00e7ant que l&rsquo;achat de la maison et payer avec son apport l&rsquo;ensemble des frais. L\u2019int\u00e9r\u00eat est alors d\u2019optimiser le montage en ayant \u00e9galement recours \u00e0 une assurance externe \u00e0 la banque afin de r\u00e9duire le co\u00fbt de l\u2019assurance emprunteur via une d\u00e9l\u00e9gation d\u2019assurance bien plus concurrentielle.\u201d<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous souhaitez investir dans un bien immobilier mais vous \u00eates confront\u00e9 \u00e0 un taux d\u2019usure trop bas et votre banque refuse de vous accorder un pr\u00eat ? Une derni\u00e8re option s\u2019offre \u00e0 vous : faire appel \u00e0 un professionnel du cr\u00e9dit pour tenter de contourner le taux d\u2019usure via un montage optimis\u00e9 de votre dossier de financement ! Les courtiers du r\u00e9seau PresseTaux t\u00e9moignent. On ne va pas tergiverser : les courtiers PresseTaux s\u2019accordent sur le fait que le taux d\u2019usure reste extr\u00eamement compliqu\u00e9 \u00e0 contourner. Le moyen d\u2019action dont l\u2019emprunteur dispose r\u00e9ellement est, comme l\u2019explique Jean-Philippe Journet (PresseTaux Caudry), de \u201cbaisser au maximum les frais, tous confondus\u201d.\u00a0<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":""},"categories":[5],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assouplir le taux d\u2019usure, est-ce possible ? - PresseTaux B\u00e9thune<\/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:\/\/pressetaux.fr\/bethune\/assouplir-taux-usure\/\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ma\u00ebl PresseTaux\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#organization\",\"name\":\"PresseTaux B\\u00e9thune - Lens\",\"url\":\"https:\/\/pressetaux.fr\/bethune\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/presse.tauxbethune?locale=fr_FR\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#logo\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/pressetaux.fr\/bethune\/wp-content\/uploads\/sites\/4\/2022\/03\/LogoPressetaux.jpg\",\"contentUrl\":\"https:\/\/pressetaux.fr\/bethune\/wp-content\/uploads\/sites\/4\/2022\/03\/LogoPressetaux.jpg\",\"width\":1776,\"height\":997,\"caption\":\"PresseTaux B\\u00e9thune - Lens\"},\"image\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#website\",\"url\":\"https:\/\/pressetaux.fr\/bethune\/\",\"name\":\"PresseTaux B\\u00e9thune\",\"description\":\"COURTIER EN CREDIT\",\"publisher\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/pressetaux.fr\/bethune\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/assouplir-taux-usure\/#primaryimage\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2018\/11\/Taux-interrogation_1.jpg\",\"contentUrl\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2018\/11\/Taux-interrogation_1.jpg\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/assouplir-taux-usure\/#webpage\",\"url\":\"https:\/\/pressetaux.fr\/bethune\/assouplir-taux-usure\/\",\"name\":\"Assouplir le taux d\\u2019usure, est-ce possible ? 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