{"id":371,"date":"2025-07-10T08:28:07","date_gmt":"2025-07-10T08:28:07","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/?p=371"},"modified":"2025-05-19T08:30:46","modified_gmt":"2025-05-19T08:30:46","slug":"conditions-rachat-de-credit","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/","title":{"rendered":"Conditions rachat de cr\u00e9dit : Guide complet des exigences"},"content":{"rendered":"\n<p>Le <strong>rachat de cr\u00e9dit<\/strong> constitue une solution financi\u00e8re permettant de restructurer ses engagements bancaires existants. Cette op\u00e9ration n\u00e9cessite de respecter des <strong>conditions strictes<\/strong> \u00e9tablies par les organismes pr\u00eateurs pour garantir la viabilit\u00e9 du nouveau financement.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f103732ce11\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f103732ce11\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Points_cles_a_retenir\" >Points cl\u00e9s \u00e0 retenir<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Quest-ce_quun_rachat_de_credit_et_ses_exigences\" >Qu&rsquo;est-ce qu&rsquo;un rachat de cr\u00e9dit et ses exigences<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Definition_du_regroupement_de_credits\" >D\u00e9finition du regroupement de cr\u00e9dits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Principe_du_rachat_de_credit_fusion_de_vos_prets_existants\" >Principe du rachat de cr\u00e9dit : fusion de vos pr\u00eats existants<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Objectifs_du_rachat_de_credit_reduction_des_mensualites_et_simplification\" >Objectifs du rachat de cr\u00e9dit : r\u00e9duction des mensualit\u00e9s et simplification<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Conditions_deligibilite_personnelles_pour_un_rachat_de_credit\" >Conditions d&rsquo;\u00e9ligibilit\u00e9 personnelles pour un rachat de cr\u00e9dit<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Age_et_capacite_juridique_conditions_minimales_requises\" >\u00c2ge et capacit\u00e9 juridique : conditions minimales requises<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Statut_professionnel_et_stabilite_des_revenus\" >Statut professionnel et stabilit\u00e9 des revenus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Situation_matrimoniale_et_impact_sur_leligibilite\" >Situation matrimoniale et impact sur l&rsquo;\u00e9ligibilit\u00e9<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Conditions_financieres_pour_obtenir_un_rachat_de_credit\" >Conditions financi\u00e8res pour obtenir un rachat de cr\u00e9dit<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Taux_dendettement_maximum_autorise_regle_des_33\" >Taux d&rsquo;endettement maximum autoris\u00e9 (r\u00e8gle des 33%)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Nombre_minimum_de_credits_a_regrouper\" >Nombre minimum de cr\u00e9dits \u00e0 regrouper<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Montant_minimum_des_encours_a_racheter\" >Montant minimum des encours \u00e0 racheter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Rest-a-vivre_suffisant_apres_rachat\" >Rest-\u00e0-vivre suffisant apr\u00e8s rachat<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Conditions_liees_au_type_de_credit_existant\" >Conditions li\u00e9es au type de cr\u00e9dit existant<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Rachat_de_credits_a_la_consommation_uniquement\" >Rachat de cr\u00e9dits \u00e0 la consommation uniquement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Rachat_mixte_immobilier_et_consommation\" >Rachat mixte : immobilier et consommation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Rachat_de_credit_hypothecaire_seuil_des_60\" >Rachat de cr\u00e9dit hypoth\u00e9caire : seuil des 60%<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Garanties_et_suretes_exigees_par_les_organismes\" >Garanties et s\u00fbret\u00e9s exig\u00e9es par les organismes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Hypotheque_conventionnelle_sur_bien_immobilier\" >Hypoth\u00e8que conventionnelle sur bien immobilier<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Caution_bancaire_ou_solidaire\" >Caution bancaire ou solidaire<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Privilege_de_preteur_de_deniers_PPD\" >Privil\u00e8ge de pr\u00eateur de deniers (PPD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Assurance_deces-invalidite_obligatoire\" >Assurance d\u00e9c\u00e8s-invalidit\u00e9 obligatoire<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Criteres_bancaires_dacceptation_du_dossier\" >Crit\u00e8res bancaires d&rsquo;acceptation du dossier<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Stabilite_professionnelle_CDI_privilegie\" >Stabilit\u00e9 professionnelle : CDI privil\u00e9gi\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Anciennete_dans_lemploi_minimum_requise\" >Anciennet\u00e9 dans l&#8217;emploi minimum requise<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Revenus_reguliers_et_justifiables\" >Revenus r\u00e9guliers et justifiables<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Gestion_saine_des_comptes_bancaires\" >Gestion saine des comptes bancaires<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Situations_bloquantes_pour_un_rachat_de_credit\" >Situations bloquantes pour un rachat de cr\u00e9dit<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Fichage_FICP_ou_FCC_a_la_Banque_de_France\" >Fichage FICP ou FCC \u00e0 la Banque de France<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Incidents_de_paiement_recents\" >Incidents de paiement r\u00e9cents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Surendettement_en_cours\" >Surendettement en cours<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Procedure_de_divorce_non_finalisee\" >Proc\u00e9dure de divorce non finalis\u00e9e<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Conditions_specifiques_selon_votre_profil\" >Conditions sp\u00e9cifiques selon votre profil<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Rachat_de_credit_pour_les_fonctionnaires\" >Rachat de cr\u00e9dit pour les fonctionnaires<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Conditions_pour_les_professions_liberales\" >Conditions pour les professions lib\u00e9rales<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Rachat_de_credit_en_CDD_ou_interim\" >Rachat de cr\u00e9dit en CDD ou int\u00e9rim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Conditions_pour_les_retraites_et_pre-retraites\" >Conditions pour les retrait\u00e9s et pr\u00e9-retrait\u00e9s<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Delais_et_procedures_dinstruction\" >D\u00e9lais et proc\u00e9dures d&rsquo;instruction<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Delai_minimum_entre_deux_rachats_de_credit_6_mois\" >D\u00e9lai minimum entre deux rachats de cr\u00e9dit (6 mois)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Duree_dinstruction_du_dossier_par_lorganisme\" >Dur\u00e9e d&rsquo;instruction du dossier par l&rsquo;organisme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Etapes_de_validation_du_rachat_de_credit\" >\u00c9tapes de validation du rachat de cr\u00e9dit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Deblocage_des_fonds_et_remboursement_des_anciens_credits\" >D\u00e9blocage des fonds et remboursement des anciens cr\u00e9dits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Avantages_et_limites_des_conditions_actuelles\" >Avantages et limites des conditions actuelles<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Benefices_du_respect_des_conditions_strictes\" >B\u00e9n\u00e9fices du respect des conditions strictes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Impact_du_durcissement_des_criteres_bancaires\" >Impact du durcissement des crit\u00e8res bancaires<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Solutions_alternatives_en_cas_de_refus\" >Solutions alternatives en cas de refus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/#Negociation_des_conditions_avec_lorganisme_preteur\" >N\u00e9gociation des conditions avec l&rsquo;organisme pr\u00eateur<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Points_cles_a_retenir\"><\/span>Points cl\u00e9s \u00e0 retenir<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Crit\u00e8re<\/strong><\/th><th><strong>Exigence<\/strong><\/th><th><strong>Impact<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Taux d&rsquo;endettement<\/strong><\/td><td>Maximum 33% des revenus<\/td><td>Condition sine qua non<\/td><\/tr><tr><td><strong>Statut professionnel<\/strong><\/td><td>CDI privil\u00e9gi\u00e9, 6 mois d&rsquo;anciennet\u00e9 minimum<\/td><td>Stabilit\u00e9 des revenus<\/td><\/tr><tr><td><strong>Montant minimum<\/strong><\/td><td>\u00c0 partir de 15 000\u20ac d&rsquo;encours<\/td><td>Rentabilit\u00e9 de l&rsquo;op\u00e9ration<\/td><\/tr><tr><td><strong>Garanties<\/strong><\/td><td>Hypoth\u00e8que ou caution selon montant<\/td><td>S\u00e9curisation du pr\u00eat<\/td><\/tr><tr><td><strong>D\u00e9lai entre rachats<\/strong><\/td><td>6 mois minimum<\/td><td>\u00c9viter l&rsquo;endettement excessif<\/td><\/tr><tr><td><strong>Fichage bancaire<\/strong><\/td><td>Aucun incident FICP\/FCC<\/td><td>Solvabilit\u00e9 d\u00e9montr\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quest-ce_quun_rachat_de_credit_et_ses_exigences\"><\/span>Qu&rsquo;est-ce qu&rsquo;un rachat de cr\u00e9dit et ses exigences<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Definition_du_regroupement_de_credits\"><\/span>D\u00e9finition du regroupement de cr\u00e9dits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le <strong>regroupement de cr\u00e9dits<\/strong> d\u00e9signe l&rsquo;op\u00e9ration financi\u00e8re consistant \u00e0 rassembler plusieurs pr\u00eats existants en un <strong>financement unique<\/strong>. Cette d\u00e9marche s&rsquo;adresse aux emprunteurs disposant de multiples engagements bancaires souhaitant simplifier leur gestion financi\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Principe_du_rachat_de_credit_fusion_de_vos_prets_existants\"><\/span>Principe du rachat de cr\u00e9dit : fusion de vos pr\u00eats existants<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;organisme de rachat proc\u00e8de au <strong>remboursement anticip\u00e9<\/strong> de l&rsquo;ensemble des cr\u00e9dits existants et propose un nouveau pr\u00eat aux conditions ren\u00e9goci\u00e9es. Cette op\u00e9ration permet de b\u00e9n\u00e9ficier d&rsquo;<strong>un seul interlocuteur<\/strong> et d&rsquo;une <strong>mensualit\u00e9 unique<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Objectifs_du_rachat_de_credit_reduction_des_mensualites_et_simplification\"><\/span>Objectifs du rachat de cr\u00e9dit : r\u00e9duction des mensualit\u00e9s et simplification<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les objectifs principaux du rachat incluent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Diminution des mensualit\u00e9s<\/strong> par l&rsquo;allongement de la dur\u00e9e<\/li>\n\n\n\n<li><strong>Simplification administrative<\/strong> avec un unique pr\u00e9l\u00e8vement<\/li>\n\n\n\n<li><strong>Am\u00e9lioration du reste-\u00e0-vivre<\/strong> gr\u00e2ce aux \u00e9conomies r\u00e9alis\u00e9es<\/li>\n\n\n\n<li><strong>Optimisation du taux d&rsquo;endettement<\/strong> global<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conditions_deligibilite_personnelles_pour_un_rachat_de_credit\"><\/span>Conditions d&rsquo;\u00e9ligibilit\u00e9 personnelles pour un rachat de cr\u00e9dit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Age_et_capacite_juridique_conditions_minimales_requises\"><\/span>\u00c2ge et capacit\u00e9 juridique : conditions minimales requises<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les crit\u00e8res d&rsquo;\u00e2ge s&rsquo;\u00e9tablissent comme suit :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Majorit\u00e9 l\u00e9gale<\/strong> : 18 ans minimum<\/li>\n\n\n\n<li><strong>\u00c2ge maximum<\/strong> : g\u00e9n\u00e9ralement 75 ans \u00e0 la fin du pr\u00eat<\/li>\n\n\n\n<li><strong>Capacit\u00e9 juridique<\/strong> compl\u00e8te requise<\/li>\n\n\n\n<li><strong>Absence de tutelle ou curatelle<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Statut_professionnel_et_stabilite_des_revenus\"><\/span>Statut professionnel et stabilit\u00e9 des revenus<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La <strong>stabilit\u00e9 professionnelle<\/strong> constitue un facteur d\u00e9terminant :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CDI<\/strong> : statut privil\u00e9gi\u00e9 par les organismes<\/li>\n\n\n\n<li><strong>Fonctionnaires<\/strong> : profil appr\u00e9ci\u00e9 pour la s\u00e9curit\u00e9 d&#8217;emploi<\/li>\n\n\n\n<li><strong>Professions lib\u00e9rales<\/strong> : accept\u00e9es avec justificatifs renforc\u00e9s<\/li>\n\n\n\n<li><strong>CDD\/Int\u00e9rim<\/strong> : conditions sp\u00e9cifiques selon l&rsquo;anciennet\u00e9<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Situation_matrimoniale_et_impact_sur_leligibilite\"><\/span>Situation matrimoniale et impact sur l&rsquo;\u00e9ligibilit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;\u00e9tat civil influence l&rsquo;\u00e9valuation du dossier :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Couples mari\u00e9s<\/strong> : revenus cumul\u00e9s pris en compte<\/li>\n\n\n\n<li><strong>Concubinage\/PACS<\/strong> : justificatifs de vie commune exig\u00e9s<\/li>\n\n\n\n<li><strong>Divorce en cours<\/strong> : proc\u00e9dure bloquante jusqu&rsquo;\u00e0 finalisation<\/li>\n\n\n\n<li><strong>C\u00e9libataires<\/strong> : \u00e9valuation sur revenus individuels uniquement<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conditions_financieres_pour_obtenir_un_rachat_de_credit\"><\/span>Conditions financi\u00e8res pour obtenir un rachat de cr\u00e9dit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Taux_dendettement_maximum_autorise_regle_des_33\"><\/span>Taux d&rsquo;endettement maximum autoris\u00e9 (r\u00e8gle des 33%)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le <strong>taux d&rsquo;endettement<\/strong> ne doit pas exc\u00e9der 33% des revenus nets mensuels. Ce calcul inclut :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mensualit\u00e9s de cr\u00e9dits existants<\/li>\n\n\n\n<li>Charges r\u00e9currentes (pensions alimentaires)<\/li>\n\n\n\n<li>Future mensualit\u00e9 du rachat<\/li>\n\n\n\n<li><em>Exclusion<\/em> des charges courantes (loyer, assurances)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nombre_minimum_de_credits_a_regrouper\"><\/span>Nombre minimum de cr\u00e9dits \u00e0 regrouper<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les organismes exigent g\u00e9n\u00e9ralement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Minimum 2 cr\u00e9dits<\/strong> en cours<\/li>\n\n\n\n<li><strong>Diversit\u00e9 des cr\u00e9anciers<\/strong> pr\u00e9f\u00e9r\u00e9e<\/li>\n\n\n\n<li><strong>Encours significatifs<\/strong> pour chaque cr\u00e9dit<\/li>\n\n\n\n<li><strong>Dur\u00e9es r\u00e9siduelles<\/strong> suffisantes<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Montant_minimum_des_encours_a_racheter\"><\/span>Montant minimum des encours \u00e0 racheter<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les seuils d&rsquo;intervention varient selon les \u00e9tablissements :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rachat consommation<\/strong> : \u00e0 partir de 3 000\u20ac<\/li>\n\n\n\n<li><strong>Rachat mixte<\/strong> : minimum 15 000\u20ac d&rsquo;encours<\/li>\n\n\n\n<li><strong>Rachat hypoth\u00e9caire<\/strong> : seuil de 60 000\u20ac g\u00e9n\u00e9ralement<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rest-a-vivre_suffisant_apres_rachat\"><\/span>Rest-\u00e0-vivre suffisant apr\u00e8s rachat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le <strong>rest-\u00e0-vivre<\/strong> minimum s&rsquo;\u00e9tablit selon la composition du foyer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Personne seule<\/strong> : 800\u20ac \u00e0 1 000\u20ac<\/li>\n\n\n\n<li><strong>Couple<\/strong> : 1 200\u20ac \u00e0 1 500\u20ac<\/li>\n\n\n\n<li><strong>Majoration<\/strong> : 300\u20ac par personne \u00e0 charge<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conditions_liees_au_type_de_credit_existant\"><\/span>Conditions li\u00e9es au type de cr\u00e9dit existant<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rachat_de_credits_a_la_consommation_uniquement\"><\/span>Rachat de cr\u00e9dits \u00e0 la consommation uniquement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Cette formule concerne exclusivement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cr\u00e9dits automobiles<\/li>\n\n\n\n<li>Pr\u00eats personnels<\/li>\n\n\n\n<li>Cartes de cr\u00e9dit<\/li>\n\n\n\n<li>Cr\u00e9dits renouvelables<\/li>\n\n\n\n<li><strong>Dur\u00e9e maximale<\/strong> : 10 ans<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rachat_mixte_immobilier_et_consommation\"><\/span>Rachat mixte : immobilier et consommation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;op\u00e9ration mixte permet de regrouper :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00eats immobiliers existants<\/li>\n\n\n\n<li>Cr\u00e9dits \u00e0 la consommation<\/li>\n\n\n\n<li><strong>Dur\u00e9e \u00e9tendue<\/strong> possible jusqu&rsquo;\u00e0 30 ans<\/li>\n\n\n\n<li><strong>Garantie hypoth\u00e9caire<\/strong> obligatoire<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rachat_de_credit_hypothecaire_seuil_des_60\"><\/span>Rachat de cr\u00e9dit hypoth\u00e9caire : seuil des 60%<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les conditions sp\u00e9cifiques incluent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quotit\u00e9 maximale<\/strong> : 60% de la valeur du bien<\/li>\n\n\n\n<li><strong>Expertise immobili\u00e8re<\/strong> syst\u00e9matique<\/li>\n\n\n\n<li><strong>Assurance d\u00e9c\u00e8s-invalidit\u00e9<\/strong> renforc\u00e9e<\/li>\n\n\n\n<li><strong>Frais de mainlev\u00e9e<\/strong> \u00e0 pr\u00e9voir<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Garanties_et_suretes_exigees_par_les_organismes\"><\/span>Garanties et s\u00fbret\u00e9s exig\u00e9es par les organismes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hypotheque_conventionnelle_sur_bien_immobilier\"><\/span>Hypoth\u00e8que conventionnelle sur bien immobilier<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;<strong>hypoth\u00e8que<\/strong> s\u00e9curise les montants importants :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Seuil d&rsquo;application<\/strong> : g\u00e9n\u00e9ralement au-del\u00e0 de 75 000\u20ac<\/li>\n\n\n\n<li><strong>Rang d&rsquo;inscription<\/strong> d\u00e9terminant pour la s\u00fbret\u00e9<\/li>\n\n\n\n<li><strong>Dur\u00e9e<\/strong> : jusqu&rsquo;\u00e0 un an apr\u00e8s extinction du pr\u00eat<\/li>\n\n\n\n<li><strong>Co\u00fbt<\/strong> : frais de notaire et d&rsquo;enregistrement<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Caution_bancaire_ou_solidaire\"><\/span>Caution bancaire ou solidaire<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La <strong>caution<\/strong> alternative \u00e0 l&rsquo;hypoth\u00e8que comprend :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Caution mutuelle<\/strong> propos\u00e9e par l&rsquo;organisme<\/li>\n\n\n\n<li><strong>Caution solidaire<\/strong> d&rsquo;un tiers<\/li>\n\n\n\n<li><strong>Co\u00fbt r\u00e9duit<\/strong> par rapport \u00e0 l&rsquo;hypoth\u00e8que<\/li>\n\n\n\n<li><strong>Lib\u00e9ration automatique<\/strong> en fin de pr\u00eat<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Privilege_de_preteur_de_deniers_PPD\"><\/span>Privil\u00e8ge de pr\u00eateur de deniers (PPD)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le <strong>PPD<\/strong> s&rsquo;applique dans des cas sp\u00e9cifiques :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financement d&rsquo;acquisition<\/strong> immobili\u00e8re<\/li>\n\n\n\n<li><strong>Inscription automatique<\/strong> sans formalit\u00e9s<\/li>\n\n\n\n<li><strong>Rang privil\u00e9gi\u00e9<\/strong> sur le bien financ\u00e9<\/li>\n\n\n\n<li><strong>\u00c9conomies substantielles<\/strong> en frais<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Assurance_deces-invalidite_obligatoire\"><\/span>Assurance d\u00e9c\u00e8s-invalidit\u00e9 obligatoire<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;<strong>assurance emprunteur<\/strong> constitue une garantie indispensable :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Couverture d\u00e9c\u00e8s<\/strong> : 100% du capital<\/li>\n\n\n\n<li><strong>Invalidit\u00e9 totale<\/strong> : prise en charge selon quotit\u00e9<\/li>\n\n\n\n<li><strong>Exclusions<\/strong> d\u00e9finies au contrat<\/li>\n\n\n\n<li><strong>D\u00e9l\u00e9gation possible<\/strong> sous conditions<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Criteres_bancaires_dacceptation_du_dossier\"><\/span>Crit\u00e8res bancaires d&rsquo;acceptation du dossier<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Stabilite_professionnelle_CDI_privilegie\"><\/span>Stabilit\u00e9 professionnelle : CDI privil\u00e9gi\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les \u00e9tablissements valorisent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CDI<\/strong> dans le secteur priv\u00e9<\/li>\n\n\n\n<li><strong>Emplois publics<\/strong> (fonctionnaires, agents)<\/li>\n\n\n\n<li><strong>Professions r\u00e9glement\u00e9es<\/strong> avec client\u00e8le \u00e9tablie<\/li>\n\n\n\n<li><strong>Entrepreneurs<\/strong> avec plusieurs ann\u00e9es d&rsquo;exercice<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Anciennete_dans_lemploi_minimum_requise\"><\/span>Anciennet\u00e9 dans l&#8217;emploi minimum requise<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;<strong>anciennet\u00e9 professionnelle<\/strong> requise varie :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CDI<\/strong> : 6 mois minimum en poste<\/li>\n\n\n\n<li><strong>Fonction publique<\/strong> : p\u00e9riode d&rsquo;essai valid\u00e9e<\/li>\n\n\n\n<li><strong>Professions lib\u00e9rales<\/strong> : 2 ans d&rsquo;activit\u00e9<\/li>\n\n\n\n<li><strong>Auto-entrepreneurs<\/strong> : 3 ans de d\u00e9clarations<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Revenus_reguliers_et_justifiables\"><\/span>Revenus r\u00e9guliers et justifiables<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La <strong>r\u00e9gularit\u00e9 des revenus<\/strong> s&rsquo;\u00e9value sur :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bulletins de salaire<\/strong> des 3 derniers mois<\/li>\n\n\n\n<li><strong>Avis d&rsquo;imposition<\/strong> N-1 et N-2<\/li>\n\n\n\n<li><strong>Relev\u00e9s bancaires<\/strong> d\u00e9montrant la constance<\/li>\n\n\n\n<li><strong>D\u00e9clarations sociales<\/strong> pour les ind\u00e9pendants<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Gestion_saine_des_comptes_bancaires\"><\/span>Gestion saine des comptes bancaires<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;<strong>historique bancaire<\/strong> influence l&rsquo;acceptation :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Absence d&rsquo;incidents<\/strong> sur 12 mois minimum<\/li>\n\n\n\n<li><strong>Gestion \u00e9quilibr\u00e9e<\/strong> sans d\u00e9couverts fr\u00e9quents<\/li>\n\n\n\n<li><strong>\u00c9pargne constitu\u00e9e<\/strong> d\u00e9montrant la capacit\u00e9<\/li>\n\n\n\n<li><strong>Relations bancaires<\/strong> harmonieuses<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Situations_bloquantes_pour_un_rachat_de_credit\"><\/span>Situations bloquantes pour un rachat de cr\u00e9dit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fichage_FICP_ou_FCC_a_la_Banque_de_France\"><\/span>Fichage FICP ou FCC \u00e0 la Banque de France<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le <strong>fichage<\/strong> constitue un obstacle majeur :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FICP<\/strong> : incidents de remboursement d\u00e9clar\u00e9s<\/li>\n\n\n\n<li><strong>FCC<\/strong> : ch\u00e8ques impay\u00e9s non r\u00e9gularis\u00e9s<\/li>\n\n\n\n<li><strong>Dur\u00e9e<\/strong> : maintien jusqu&rsquo;\u00e0 r\u00e9gularisation<\/li>\n\n\n\n<li><strong>Lev\u00e9e<\/strong> : possible apr\u00e8s justification du r\u00e8glement<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Incidents_de_paiement_recents\"><\/span>Incidents de paiement r\u00e9cents<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les <strong>impay\u00e9s r\u00e9cents<\/strong> compromettent l&rsquo;acceptation :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Retards<\/strong> sup\u00e9rieurs \u00e0 60 jours<\/li>\n\n\n\n<li><strong>Mise en demeure<\/strong> de cr\u00e9anciers<\/li>\n\n\n\n<li><strong>Plans de remboursement<\/strong> en cours<\/li>\n\n\n\n<li><strong>Contentieux<\/strong> judiciaires ouverts<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Surendettement_en_cours\"><\/span>Surendettement en cours<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La <strong>situation de surendettement<\/strong> interdit l&rsquo;op\u00e9ration :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dossier d\u00e9pos\u00e9<\/strong> en commission<\/li>\n\n\n\n<li><strong>Plan en cours<\/strong> d&rsquo;ex\u00e9cution<\/li>\n\n\n\n<li><strong>Proc\u00e9dure de r\u00e9tablissement<\/strong> personnel<\/li>\n\n\n\n<li><strong>Interdiction<\/strong> l\u00e9gale de nouveaux cr\u00e9dits<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Procedure_de_divorce_non_finalisee\"><\/span>Proc\u00e9dure de divorce non finalis\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le <strong>divorce non finalis\u00e9<\/strong> g\u00e9n\u00e8re des blocages :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Incertitude<\/strong> sur la r\u00e9partition des biens<\/li>\n\n\n\n<li><strong>Modification<\/strong> pr\u00e9visible des revenus<\/li>\n\n\n\n<li><strong>Engagement<\/strong> juridique des deux \u00e9poux<\/li>\n\n\n\n<li><strong>Attente<\/strong> de la d\u00e9cision judiciaire<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conditions_specifiques_selon_votre_profil\"><\/span>Conditions sp\u00e9cifiques selon votre profil<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rachat_de_credit_pour_les_fonctionnaires\"><\/span>Rachat de cr\u00e9dit pour les fonctionnaires<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les <strong>agents publics<\/strong> b\u00e9n\u00e9ficient d&rsquo;avantages :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taux pr\u00e9f\u00e9rentiels<\/strong> li\u00e9s \u00e0 la s\u00e9curit\u00e9 d&#8217;emploi<\/li>\n\n\n\n<li><strong>Conditions assouplies<\/strong> sur les garanties<\/li>\n\n\n\n<li><strong>Mutuelles sp\u00e9cialis\u00e9es<\/strong> proposant des offres<\/li>\n\n\n\n<li><strong>Pr\u00e9l\u00e8vement sur salaire<\/strong> possible<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conditions_pour_les_professions_liberales\"><\/span>Conditions pour les professions lib\u00e9rales<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les <strong>professionnels lib\u00e9raux<\/strong> font l&rsquo;objet d&rsquo;une \u00e9valuation sp\u00e9cifique :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revenus moyens<\/strong> calcul\u00e9s sur 3 ans<\/li>\n\n\n\n<li><strong>Garanties renforc\u00e9es<\/strong> souvent exig\u00e9es<\/li>\n\n\n\n<li><strong>Saisonnalit\u00e9<\/strong> prise en compte<\/li>\n\n\n\n<li><strong>Diversification<\/strong> des revenus appr\u00e9ci\u00e9e<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rachat_de_credit_en_CDD_ou_interim\"><\/span>Rachat de cr\u00e9dit en CDD ou int\u00e9rim<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les <strong>contrats pr\u00e9caires<\/strong> n\u00e9cessitent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Anciennet\u00e9<\/strong> dans l&rsquo;int\u00e9rim (2 ans minimum)<\/li>\n\n\n\n<li><strong>Revenus r\u00e9guliers<\/strong> malgr\u00e9 la pr\u00e9carit\u00e9<\/li>\n\n\n\n<li><strong>Promesse d&#8217;embauche<\/strong> valoris\u00e9e<\/li>\n\n\n\n<li><strong>Garanties suppl\u00e9mentaires<\/strong> fr\u00e9quemment demand\u00e9es<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conditions_pour_les_retraites_et_pre-retraites\"><\/span>Conditions pour les retrait\u00e9s et pr\u00e9-retrait\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les <strong>seniors<\/strong> doivent respecter :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c2ge limite<\/strong> \u00e0 la fin du pr\u00eat<\/li>\n\n\n\n<li><strong>Revenus stables<\/strong> (pensions)<\/li>\n\n\n\n<li><strong>Assurance sp\u00e9cifique<\/strong> souvent requise<\/li>\n\n\n\n<li><strong>Dur\u00e9e r\u00e9duite<\/strong> pour les pr\u00eats<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Delais_et_procedures_dinstruction\"><\/span>D\u00e9lais et proc\u00e9dures d&rsquo;instruction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Delai_minimum_entre_deux_rachats_de_credit_6_mois\"><\/span>D\u00e9lai minimum entre deux rachats de cr\u00e9dit (6 mois)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La <strong>r\u00e9glementation<\/strong> impose une <strong>p\u00e9riode de carence<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Six mois minimum<\/strong> entre deux op\u00e9rations<\/li>\n\n\n\n<li><strong>\u00c9viter<\/strong> l&rsquo;endettement en cascade<\/li>\n\n\n\n<li><strong>V\u00e9rification<\/strong> par les organismes<\/li>\n\n\n\n<li><strong>Exception<\/strong> pour changement de situation<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Duree_dinstruction_du_dossier_par_lorganisme\"><\/span>Dur\u00e9e d&rsquo;instruction du dossier par l&rsquo;organisme<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;<strong>instruction<\/strong> suit un calendrier pr\u00e9cis :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9ception<\/strong> du dossier complet<\/li>\n\n\n\n<li><strong>Analyse<\/strong> : 2 \u00e0 3 semaines<\/li>\n\n\n\n<li><strong>R\u00e9ponse de principe<\/strong> sous 15 jours<\/li>\n\n\n\n<li><strong>Finalisation<\/strong> : 1 mois suppl\u00e9mentaire<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Etapes_de_validation_du_rachat_de_credit\"><\/span>\u00c9tapes de validation du rachat de cr\u00e9dit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le <strong>processus de validation<\/strong> comprend :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u00c9tude de faisabilit\u00e9<\/strong> pr\u00e9liminaire<\/li>\n\n\n\n<li><strong>Analyse approfondie<\/strong> du dossier<\/li>\n\n\n\n<li><strong>D\u00e9cision<\/strong> du comit\u00e9 de cr\u00e9dit<\/li>\n\n\n\n<li><strong>\u00c9dition<\/strong> de l&rsquo;offre de pr\u00eat<\/li>\n\n\n\n<li><strong>D\u00e9lai de r\u00e9tractation<\/strong> l\u00e9gal (14 jours)<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deblocage_des_fonds_et_remboursement_des_anciens_credits\"><\/span>D\u00e9blocage des fonds et remboursement des anciens cr\u00e9dits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le <strong>d\u00e9blocage<\/strong> s&rsquo;effectue selon la proc\u00e9dure :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Versement direct<\/strong> aux cr\u00e9anciers<\/li>\n\n\n\n<li><strong>R\u00e9gularisation<\/strong> des soldes<\/li>\n\n\n\n<li><strong>Confirmation<\/strong> des remboursements<\/li>\n\n\n\n<li><strong>Activation<\/strong> de la nouvelle mensualit\u00e9<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Avantages_et_limites_des_conditions_actuelles\"><\/span>Avantages et limites des conditions actuelles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefices_du_respect_des_conditions_strictes\"><\/span>B\u00e9n\u00e9fices du respect des conditions strictes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les <strong>conditions rigoureuses<\/strong> pr\u00e9sentent des avantages :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Protection<\/strong> de l&#8217;emprunteur contre le surendettement<\/li>\n\n\n\n<li><strong>S\u00e9lection<\/strong> de dossiers viables<\/li>\n\n\n\n<li><strong>Stabilit\u00e9<\/strong> du syst\u00e8me de cr\u00e9dit<\/li>\n\n\n\n<li><strong>Confiance<\/strong> renforc\u00e9e des \u00e9tablissements<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact_du_durcissement_des_criteres_bancaires\"><\/span>Impact du durcissement des crit\u00e8res bancaires<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le <strong>resserrement<\/strong> des conditions entra\u00eene :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Acc\u00e8s limit\u00e9<\/strong> pour certains profils<\/li>\n\n\n\n<li><strong>Exigences accrues<\/strong> en mati\u00e8re de garanties<\/li>\n\n\n\n<li><strong>Allongement<\/strong> des d\u00e9lais d&rsquo;instruction<\/li>\n\n\n\n<li><strong>Orientation<\/strong> vers des solutions alternatives<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Solutions_alternatives_en_cas_de_refus\"><\/span>Solutions alternatives en cas de refus<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>En cas de <strong>refus<\/strong>, plusieurs options existent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Am\u00e9lioration<\/strong> du profil emprunteur<\/li>\n\n\n\n<li><strong>Recherche<\/strong> d&rsquo;organismes sp\u00e9cialis\u00e9s<\/li>\n\n\n\n<li><strong>N\u00e9gociation<\/strong> directe avec les cr\u00e9anciers<\/li>\n\n\n\n<li><strong>Conseil<\/strong> aupr\u00e8s d&rsquo;associations sp\u00e9cialis\u00e9es<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Negociation_des_conditions_avec_lorganisme_preteur\"><\/span>N\u00e9gociation des conditions avec l&rsquo;organisme pr\u00eateur<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La <strong>n\u00e9gociation<\/strong> demeure possible sur :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taux d&rsquo;int\u00e9r\u00eat<\/strong> selon le profil<\/li>\n\n\n\n<li><strong>Dur\u00e9e<\/strong> de remboursement<\/li>\n\n\n\n<li><strong>Montant<\/strong> de la mensualit\u00e9<\/li>\n\n\n\n<li><strong>Nature<\/strong> des garanties exig\u00e9es<\/li>\n<\/ul>\n\n\n\n<p>Le rachat de cr\u00e9dit r\u00e9pond \u00e0 des crit\u00e8res stricts visant \u00e0 prot\u00e9ger tant l&#8217;emprunteur que le pr\u00eateur. Une pr\u00e9paration minutieuse du dossier et une compr\u00e9hension claire des exigences optimisent les chances d&rsquo;acceptation de cette solution de restructuration financi\u00e8re.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;371&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Conditions rachat de cr\u00e9dit : Guide complet des exigences&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le rachat de cr\u00e9dit constitue une solution financi\u00e8re permettant de restructurer ses engagements bancaires existants. Cette op\u00e9ration n\u00e9cessite de respecter des conditions strictes \u00e9tablies par les organismes pr\u00eateurs pour garantir la viabilit\u00e9 du nouveau financement. Points cl\u00e9s \u00e0 retenir Crit\u00e8re Exigence Impact Taux d&rsquo;endettement Maximum 33% des revenus Condition sine qua non Statut professionnel CDI &#8230; <a title=\"Conditions rachat de cr\u00e9dit : Guide complet des exigences\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/conditions-rachat-de-credit\/\" aria-label=\"En savoir plus sur Conditions rachat de cr\u00e9dit : Guide complet des exigences\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":372,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-371","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rachat-de-credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Conditions rachat de cr\u00e9dit : Guide complet des exigences - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Conditions rachat de cr\u00e9dit : taux d&#039;endettement 33%, garanties requises, crit\u00e8res d&#039;\u00e9ligibilit\u00e9 personnels et financiers. 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