{"id":307411,"date":"2024-04-06T18:20:53","date_gmt":"2024-04-06T18:20:53","guid":{"rendered":"https:\/\/www.tauxhypotheques.com\/?page_id=307411"},"modified":"2026-04-27T20:13:39","modified_gmt":"2026-04-27T20:13:39","slug":"renouvellement-hypothecaire","status":"publish","type":"page","link":"https:\/\/www.tauxhypotheques.com\/index.php\/renouvellement-hypothecaire\/","title":{"rendered":"Renouvellement hypoth\u00e9caire"},"content":{"rendered":"

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Renouvellement hypoth\u00e9caire\u00a0<\/p>\n

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L’hypoth\u00e8que est souvent consid\u00e9r\u00e9e comme la dette la plus importante de votre vie. Elle repr\u00e9sente un engagement financier significatif li\u00e9 \u00e0 un bien immobilier, g\u00e9n\u00e9ralement pour une longue p\u00e9riode. Cette dette peut avoir un impact majeur sur la situation financi\u00e8re d’un individu, car les mensualit\u00e9s de remboursement repr\u00e9sentent souvent une part importante de son budget. Il est donc essentiel de bien \u00e9valuer votre capacit\u00e9 \u00e0 rembourser un pr\u00eat hypoth\u00e9caire avant de s’engager, afin d’\u00e9viter des difficult\u00e9s financi\u00e8res \u00e0 long terme.<\/strong><\/p>\n

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Conditions des renouvellements hypoth\u00e9caires<\/h3>\n

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Une hypoth\u00e8que est g\u00e9n\u00e9ralement assortie de conditions sp\u00e9cifiques, notamment en ce qui concerne le taux d\u2019int\u00e9r\u00eat, la dur\u00e9e du financement et certaines garanties exig\u00e9es par le pr\u00eateur. Le renouvellement hypoth\u00e9caire est donc un moment cl\u00e9 pour revoir ces \u00e9l\u00e9ments et s\u2019assurer que votre financement demeure adapt\u00e9 \u00e0 votre situation et \u00e0 vos objectifs.<\/div>\n

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On ne signe pas un avis de renouvellement hypoth\u00e9caire les yeux ferm\u00e9s!<\/strong><\/span><\/p>\n

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Le renouvellement est une \u00e9tape importante dans la vie d\u2019un propri\u00e9taire. C\u2019est l\u2019occasion de r\u00e9\u00e9valuer votre strat\u00e9gie hypoth\u00e9caire et, au besoin, d\u2019apporter des ajustements sur plusieurs aspects.<\/div>\n

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La p\u00e9riode d’amortissement<\/h4>\n

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La p\u00e9riode d\u2019amortissement correspond \u00e0 la dur\u00e9e totale pr\u00e9vue pour rembourser votre pr\u00eat hypoth\u00e9caire. Elle peut \u00eatre ajust\u00e9e lors du renouvellement afin d\u2019\u00e9quilibrer les paiements mensuels et le co\u00fbt total du financement.<\/div>\n

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Nouvelle dur\u00e9e d’\u00e9ch\u00e9ance<\/h4>\n

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\u00a0Le terme correspond \u00e0 la p\u00e9riode pendant laquelle les conditions de votre pr\u00eat (taux, modalit\u00e9s) demeurent inchang\u00e9es. Lors du renouvellement, il est possible de choisir un terme plus court ou plus long selon votre tol\u00e9rance au risque et votre planification financi\u00e8re.<\/p>\n

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N\u00e9gociation taux d’int\u00e9r\u00eat<\/h4>\n

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Le taux d\u2019int\u00e9r\u00eat repr\u00e9sente le co\u00fbt d\u2019emprunt factur\u00e9 par le pr\u00eateur. Il peut \u00eatre fixe ou variable. Le renouvellement est le<\/div>\n
moment id\u00e9al pour comparer les options offertes sur le march\u00e9 et n\u00e9gocier des conditions plus avantageuses.<\/div>\n

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Modification remise sur le capital<\/h4>\n

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Au renouvellement, il est parfois possible d\u2019augmenter la portion du paiement appliqu\u00e9e directement au capital, ce qui peut r\u00e9duire plus rapidement le solde de votre hypoth\u00e8que.<\/div>\n

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Changement de pr\u00eateur<\/h4>\n

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Le renouvellement peut aussi \u00eatre l\u2019occasion de changer de pr\u00eateur afin d\u2019obtenir davantage de flexibilit\u00e9, comme de meilleures options de remboursement anticip\u00e9 ou des p\u00e9nalit\u00e9s plus avantageuses en cas de r\u00e9siliation du contrat.<\/span><\/p>\n

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Le renouvellement peut aussi \u00eatre l\u2019occasion de changer de pr\u00eateur afin d\u2019obtenir davantage de flexibilit\u00e9, comme de meilleures options de remboursement anticip\u00e9 ou des p\u00e9nalit\u00e9s plus avantageuses en cas de r\u00e9siliation du contrat.<\/p>\n

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[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ next_background_color=\u00a0\u00bb#ffffff\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#0C8EC0″ bottom_divider_style=\u00a0\u00bbcurve\u00a0\u00bb bottom_divider_height=\u00a0\u00bb50px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb12px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb24px\u00a0\u00bb text_line_height=\u00a0\u00bb1.3em\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

D\u00e9butez les d\u00e9marches de 120 \u00e0 180 jours avant l\u2019\u00e9ch\u00e9ance<\/b><\/p>\n

L’\u00e9ch\u00e9ance hypoth\u00e9caire est l\u2019occasion de revoir sa situation financi\u00e8re et de s’assurer que le pr\u00eat hypoth\u00e9caire correspond toujours \u00e0 ses besoins et \u00e0 sa capacit\u00e9 de remboursement. N\u2019attendez pas l\u2019offre de votre pr\u00eateur, car certains envoient ces offres seulement 30 jours avant l’\u00e9ch\u00e9ance, alors que vous pouvez commencer vos recherches beaucoup plus t\u00f4t! Comparez les offres, n\u00e9gociez avec le pr\u00eateur et prenez le temps de r\u00e9fl\u00e9chir avant de d\u00e9cider.<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_image=\u00a0\u00bboff\u00a0\u00bb background_position=\u00a0\u00bbbottom_center\u00a0\u00bb custom_margin=\u00a0\u00bb||39px|||\u00a0\u00bb custom_padding=\u00a0\u00bb77px||77px||false|\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb77px||77px||false|\u00a0\u00bb custom_padding_phone=\u00a0\u00bb30px||10px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_2,1_2″ _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb18px||34px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2″ _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bbAsap Condensed|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#0C8EC0″ header_2_font_size=\u00a0\u00bb40px\u00a0\u00bb custom_margin=\u00a0\u00bb||10px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Les options de renouvellement des propri\u00e9taires<\/h2>\n

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Lorsque l’\u00e9ch\u00e9ance hypoth\u00e9caire approche, l’emprunteur a plusieurs options qui s\u2019offrent \u00e0 lui pour mieux r\u00e9pondre \u00e0 ses besoins et \u00e0 sa situation financi\u00e8re.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2″ _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_toggle title=\u00a0\u00bbRenouveler avec le m\u00eame pr\u00eateur\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#0C8EC0″ open_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb closed_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb icon_color=\u00a0\u00bb#0C8EC0″ toggle_icon=\u00a0\u00bbC||divi||400″ use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb icon_font_size=\u00a0\u00bb26px\u00a0\u00bb open_icon_color=\u00a0\u00bb#0C8EC0″ open_toggle_icon=\u00a0\u00bbB||divi||400″ open_use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb open_icon_font_size=\u00a0\u00bb26px\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#000000″ title_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb title_font_size=\u00a0\u00bb25px\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000″ custom_margin=\u00a0\u00bb||2px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px|||\u00a0\u00bb border_width_all=\u00a0\u00bb0px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Renouveler le pr\u00eat hypoth\u00e9caire avec le m\u00eame pr\u00eateur en acceptant les termes et les taux d’int\u00e9r\u00eat propos\u00e9s, tout en conservant ou r\u00e9duisant la p\u00e9riode d’amortissement restante.<\/span><\/p>\n

[\/et_pb_toggle][et_pb_toggle title=\u00a0\u00bbRefinancer le pr\u00eat\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#0C8EC0″ open_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb closed_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb icon_color=\u00a0\u00bb#0C8EC0″ toggle_icon=\u00a0\u00bbC||divi||400″ use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb icon_font_size=\u00a0\u00bb26px\u00a0\u00bb open_icon_color=\u00a0\u00bb#0C8EC0″ open_toggle_icon=\u00a0\u00bbB||divi||400″ open_use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb open_icon_font_size=\u00a0\u00bb26px\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#000000″ title_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb title_font_size=\u00a0\u00bb25px\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000″ custom_margin=\u00a0\u00bb||2px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px|||\u00a0\u00bb border_width_all=\u00a0\u00bb0px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Refinancer le pr\u00eat avec le m\u00eame pr\u00eateur pour augmenter la p\u00e9riode d’amortissement restante, mais potentiellement \u00e0 des taux moins avantageux que s\u2019il avait renouvel\u00e9.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=\u00a0\u00bbTransf\u00e9rer le pr\u00eat\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#0C8EC0″ open_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb closed_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb icon_color=\u00a0\u00bb#0C8EC0″ toggle_icon=\u00a0\u00bbC||divi||400″ use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb icon_font_size=\u00a0\u00bb26px\u00a0\u00bb open_icon_color=\u00a0\u00bb#0C8EC0″ open_toggle_icon=\u00a0\u00bbB||divi||400″ open_use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb open_icon_font_size=\u00a0\u00bb26px\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#000000″ title_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb title_font_size=\u00a0\u00bb25px\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000″ custom_margin=\u00a0\u00bb||2px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px|||\u00a0\u00bb border_width_all=\u00a0\u00bb0px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Transf\u00e9rer le pr\u00eat hypoth\u00e9caire \u00e0 un autre pr\u00eateur offrant des conditions plus avantageuses, en effectuant un processus de refinancement ou de transfert de l’hypoth\u00e8que. En transf\u00e9rant l\u2019hypoth\u00e8que, certains pr\u00eateurs vous permettent d\u2019augmenter la p\u00e9riode d\u2019amortissement, sous certaines conditions.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=\u00a0\u00bbRembourser le pr\u00eat\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#0C8EC0″ open_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb closed_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb icon_color=\u00a0\u00bb#0C8EC0″ toggle_icon=\u00a0\u00bbC||divi||400″ use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb icon_font_size=\u00a0\u00bb26px\u00a0\u00bb open_icon_color=\u00a0\u00bb#0C8EC0″ open_toggle_icon=\u00a0\u00bbB||divi||400″ open_use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb open_icon_font_size=\u00a0\u00bb26px\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#000000″ title_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb title_font_size=\u00a0\u00bb25px\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000″ custom_margin=\u00a0\u00bb||2px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px|||\u00a0\u00bb border_width_all=\u00a0\u00bb0px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Rembourser int\u00e9gralement le solde restant du pr\u00eat hypoth\u00e9caire pour devenir propri\u00e9taire de sa propri\u00e9t\u00e9 sans dette hypoth\u00e9caire.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=\u00a0\u00bbR\u00e9\u00e9valuer sa situation\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#0C8EC0″ open_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb closed_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb icon_color=\u00a0\u00bb#0C8EC0″ toggle_icon=\u00a0\u00bbC||divi||400″ use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb icon_font_size=\u00a0\u00bb26px\u00a0\u00bb open_icon_color=\u00a0\u00bb#0C8EC0″ open_toggle_icon=\u00a0\u00bbB||divi||400″ open_use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb open_icon_font_size=\u00a0\u00bb26px\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#000000″ title_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb title_font_size=\u00a0\u00bb25px\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000″ custom_margin=\u00a0\u00bb||2px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px|||\u00a0\u00bb border_width_all=\u00a0\u00bb0px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

R\u00e9\u00e9valuer sa situation financi\u00e8re, ses objectifs \u00e0 long terme et ses besoins en mati\u00e8re d’emprunt pour prendre une d\u00e9cision \u00e9clair\u00e9e.<\/span><\/p>\n

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Un courtier pour votre renouvellement?<\/span><\/span><\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.22.2″ _module_preset=\u00a0\u00bb360d3288-b2b5-4b4f-a33c-ff1919f731fe\u00a0\u00bb text_font=\u00a0\u00bbOpen Sans|600|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_line_height=\u00a0\u00bb1.3em\u00a0\u00bb custom_margin=\u00a0\u00bb||23px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Le renouvellement hypoth\u00e9caire est une \u00e9tape cl\u00e9 pour assurer la continuit\u00e9 de la propri\u00e9t\u00e9 et pr\u00e9server son patrimoine personnel, tout en optimisant les conditions de son pr\u00eat. Il est recommand\u00e9 de se renseigner aupr\u00e8s de son pr\u00eateur ou d\u2019un courtier hypoth\u00e9caire pour comparer les offres disponibles et prendre la meilleure d\u00e9cision en fonction de sa situation financi\u00e8re et de ses objectifs \u00e0 long terme.<\/p>\n

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Renouvellement hypoth\u00e9caire\u00a0L’hypoth\u00e8que est souvent consid\u00e9r\u00e9e comme la dette la plus importante de votre vie. Elle repr\u00e9sente un engagement financier significatif li\u00e9 \u00e0 un bien immobilier, g\u00e9n\u00e9ralement pour une longue p\u00e9riode. Cette dette peut avoir un impact majeur sur la situation financi\u00e8re d’un individu, car les mensualit\u00e9s de remboursement repr\u00e9sentent souvent une part importante de son […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"\r\nRenouvellement hypoth\u00e9caire - Les Architectes hypoth\u00e9caires<\/title>\r\n<meta name=\"description\" content=\"Le renouvellement hypoth\u00e9caire est une \u00e9tape importante pour un propri\u00e9taire ; c\u2019est le moment de revoir les conditions de son financement.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.tauxhypotheques.com\/index.php\/renouvellement-hypothecaire\/\" \/>\r\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Renouvellement hypoth\u00e9caire - Les Architectes hypoth\u00e9caires\" \/>\r\n<meta property=\"og:description\" content=\"Le renouvellement hypoth\u00e9caire est une \u00e9tape importante pour un propri\u00e9taire ; 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