Rachat de crédit : 10 pièges à éviter
Faire un rachat de ses crédits ne se fait pas au hasard. Mieux vaut être averti afin de faire le meilleur rachat de crédit possible et de trouver le meilleur taux!
Voici la liste des 10 pièges à éviter avant de signer avec un courtier, un organisme spécialisé en rachat de crédit ou avec une banque.
1 Ne croyez pas que le rachat de crédit va vous faire économiser de l’argent : il permet de réduire vos mensualités mais au final il vous coûtera plus cher que votre prêt initial car vous devrez en fait rembourser sur plus d’années.
2 Évitez d’ajouter une nouvelle « réserve d’argent » à votre rachat de crédit car le taux pour cette réserve n’est pas intéressant. Si vous avez besoin d’argent, il vaut mieux contracter un nouveau prêt auprès de votre banque classique.
3 Vérifiez que le taux appliqué sur votre contrat est bien celui annoncé au départ : il peut arriver qu’un taux supérieur à celui qui vous a été présenté soit appliqué.
4 Ne jamais donner de chèques et ne jamais payer quoi que se soit à un courtier avant le déblocage des fonds.
5 Vérifiez les frais intégrés dans votre refinancement :
- 3% d’IRA (Indemnités de Remboursement anticipé pour les remboursements des crédits rachetés, notamment dans le cas de présence d’un crédit immobilier)
- Frais de notaire liés à la garantie (mainlevée et reprise de garantie) (en cas de reprise de crédit immobilier)
- Frais de dossier à la banque
- Mandat de recherche de capitaux (Loi Murcef : seulement à la conclusion du contrat)
6 Ne confiez jamais vos originaux à des démarcheurs à domicile.
7 Faites vous aider par une association, posez des questions sur le forum c’est gratuit (forum-rachat-crédit.com) ou par un courtier qui comparera pour vous les offres. Vous pouvez choisir un courtier ou un organisme qui travaille sur toute la France ou qui a son bureau dans votre ville (annuaire de courtiers ou banques spécialisés en rachat crédit).
Avant de demander un rachat de crédit, lisez ce tableau d’aides qui peuvent vous être données en fonction de vos dettes
8 Préférez les courtiers qui travaillent avec plusieurs organismes spécialisés dans le rachat de crédits pour pouvoir comparer les offres.
9 Ne donnez jamais vos originaux : donnez toujours des photocopies car l’organisme peut perdre vos documents, et vous pourriez en avoir besoin pour un autre dossier. N’envoyez pas vos originaux par la poste (risque de perte).
10 Ne choisissez pas la première proposition que l’on vous fait, comparez plusieurs devis auprès de plusieurs courtiers ou organismes de rachat de crédits ou banques. Soyez au courant du comparatif du mois accessible sur http://www.comparatif-rachat-de-credit.fr/
Une fois le dossier étudié et terminé, essayez quand-même de négocier.
Vous pouvez utiliser le simulateur de rachat de crédit anonyme et gratuit pour connaître le coût total de votre rachat de crédit.
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