{"id":49,"date":"2025-05-09T08:01:32","date_gmt":"2025-05-09T08:01:32","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/?p=49"},"modified":"2025-05-09T08:01:33","modified_gmt":"2025-05-09T08:01:33","slug":"empruntis-avis","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/","title":{"rendered":"Empruntis Avis : Analyse compl\u00e8te, positionnement et services"},"content":{"rendered":"\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-69f104d5a220a\" 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-69f104d5a220a\" 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\/empruntis-avis\/#Presentation_generale_et_structure_organisationnelle\" >Pr\u00e9sentation g\u00e9n\u00e9rale et structure organisationnelle<\/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\/empruntis-avis\/#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-3\" href=\"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/#Methodologie_daccompagnement_client\" >M\u00e9thodologie d&rsquo;accompagnement client<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/#Parcours_structure_et_personnalise\" >Parcours structur\u00e9 et personnalis\u00e9<\/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\/empruntis-avis\/#Ecosysteme_partenarial\" >\u00c9cosyst\u00e8me partenarial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/#Infrastructure_numerique\" >Infrastructure num\u00e9rique<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/#Evaluation_de_la_satisfaction_client\" >\u00c9valuation de la satisfaction client<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/#Donnees_quantitatives\" >Donn\u00e9es quantitatives<\/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\/empruntis-avis\/#Atouts_majeurs_identifies\" >Atouts majeurs identifi\u00e9s<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/#Points_damelioration_releves\" >Points d&rsquo;am\u00e9lioration relev\u00e9s<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/#Analyse_comparative_de_loffre\" >Analyse comparative de l&rsquo;offre<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/#Structure_tarifaire\" >Structure tarifaire<\/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\/empruntis-avis\/#Positionnement_concurrentiel\" >Positionnement concurrentiel<\/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\/empruntis-avis\/#Specificites_de_loffre_dassurance_emprunteur\" >Sp\u00e9cificit\u00e9s de l&rsquo;offre d&rsquo;assurance emprunteur<\/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\/empruntis-avis\/#Profils_clients_optimaux_et_recommandations\" >Profils clients optimaux et recommandations<\/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\/empruntis-avis\/#Adequation_avec_certains_profils_demprunteurs\" >Ad\u00e9quation avec certains profils d&#8217;emprunteurs<\/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\/empruntis-avis\/#Configurations_necessitant_une_vigilance_particuliere\" >Configurations n\u00e9cessitant une vigilance particuli\u00e8re<\/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\/empruntis-avis\/#Evolutions_anticipees_des_services\" >\u00c9volutions anticip\u00e9es des services<\/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\/empruntis-avis\/#Synthese_globale\" >Synth\u00e8se globale<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Presentation_generale_et_structure_organisationnelle\"><\/span>Pr\u00e9sentation g\u00e9n\u00e9rale et structure organisationnelle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Empruntis op\u00e8re comme <strong>l&rsquo;un des acteurs majeurs du courtage en cr\u00e9dits et assurances<\/strong> sur le march\u00e9 fran\u00e7ais depuis 2000. Son statut d&rsquo;Interm\u00e9diaire en Op\u00e9rations Bancaires et Services de Paiement (IOBSP) est valid\u00e9 par son immatriculation \u00e0 l&rsquo;ORIAS. L&rsquo;entreprise fait partie des membres fondateurs de l&rsquo;Association Professionnelle des Interm\u00e9diaires en Cr\u00e9dit (APIC), garantissant ainsi le respect des normes d\u00e9ontologiques sectorielles.<\/p>\n\n\n\n<p>L&rsquo;organisation d&rsquo;Empruntis repose sur trois piliers compl\u00e9mentaires :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Empruntis.com : plateforme num\u00e9rique de comparaison et courtage<\/li>\n\n\n\n<li>Empruntis l&rsquo;Agence : r\u00e9seau de proximit\u00e9 comptant environ 165 agences franchis\u00e9es<\/li>\n\n\n\n<li>Pretalis : filiale d\u00e9di\u00e9e \u00e0 des services financiers sp\u00e9cifiques<\/li>\n<\/ul>\n\n\n\n<p>Le courtier propose une gamme \u00e9tendue de services financiers couvrant :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cr\u00e9dit immobilier<\/strong> (acquisition de r\u00e9sidence principale, secondaire, investissement locatif)<\/li>\n\n\n\n<li><strong>Cr\u00e9dit \u00e0 la consommation<\/strong><\/li>\n\n\n\n<li><strong>Rachat et regroupement de cr\u00e9dits<\/strong><\/li>\n\n\n\n<li><strong>Assurance emprunteur<\/strong><\/li>\n\n\n\n<li>Services d&rsquo;\u00e9pargne et placements<\/li>\n<\/ul>\n\n\n\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>Aspect<\/th><th>Caract\u00e9ristiques principales<\/th><\/tr><\/thead><tbody><tr><td><strong>Cr\u00e9ation<\/strong><\/td><td>2000<\/td><\/tr><tr><td><strong>Statut<\/strong><\/td><td>IOBSP immatricul\u00e9 \u00e0 l&rsquo;ORIAS<\/td><\/tr><tr><td><strong>Structure<\/strong><\/td><td>Plateforme en ligne + 165 agences physiques<\/td><\/tr><tr><td><strong>Services principaux<\/strong><\/td><td>Cr\u00e9dit immobilier, cr\u00e9dit consommation, assurance emprunteur<\/td><\/tr><tr><td><strong>Note clients<\/strong><\/td><td>4,7\/5 (Trustpilot &#8211; 12 700+ avis)<\/td><\/tr><tr><td><strong>Partenaires<\/strong><\/td><td>100+ \u00e9tablissements bancaires<\/td><\/tr><tr><td><strong>Frais moyens<\/strong><\/td><td>\u2248 1% du montant emprunt\u00e9<\/td><\/tr><tr><td><strong>Points forts<\/strong><\/td><td>Expertise des conseillers, taux n\u00e9goci\u00e9s, qualit\u00e9 du suivi<\/td><\/tr><tr><td><strong>Points d&rsquo;attention<\/strong><\/td><td>Variations entre agences, d\u00e9lais de 3-4 mois<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Methodologie_daccompagnement_client\"><\/span>M\u00e9thodologie d&rsquo;accompagnement client<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Parcours_structure_et_personnalise\"><\/span>Parcours structur\u00e9 et personnalis\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le processus d&rsquo;accompagnement chez Empruntis suit une m\u00e9thodologie rigoureuse :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u00c9valuation initiale<\/strong> via les simulateurs en ligne<\/li>\n\n\n\n<li>Premier entretien avec analyse approfondie du profil emprunteur<\/li>\n\n\n\n<li>\u00c9laboration d&rsquo;un plan de financement personnalis\u00e9<\/li>\n\n\n\n<li>Identification des \u00e9tablissements financiers adapt\u00e9s au profil<\/li>\n\n\n\n<li>N\u00e9gociation des conditions d&#8217;emprunt et des garanties<\/li>\n\n\n\n<li>Suivi jusqu&rsquo;\u00e0 la signature finale et d\u00e9blocage des fonds<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ecosysteme_partenarial\"><\/span>\u00c9cosyst\u00e8me partenarial<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Empruntis a d\u00e9velopp\u00e9 un r\u00e9seau de partenariats comprenant :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plus de 100 \u00e9tablissements bancaires<\/li>\n\n\n\n<li>Plusieurs dizaines d&rsquo;assureurs pour les contrats d&rsquo;assurance emprunteur<\/li>\n\n\n\n<li>Un portefeuille diversifi\u00e9 incluant banques traditionnelles, mutualistes et \u00e9tablissements en ligne<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Infrastructure_numerique\"><\/span>Infrastructure num\u00e9rique<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La plateforme met \u00e0 disposition plusieurs outils digitaux :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simulateurs de cr\u00e9dit immobilier et de capacit\u00e9 d&#8217;emprunt<\/li>\n\n\n\n<li>Calculette de mensualit\u00e9s et d&rsquo;assurance<\/li>\n\n\n\n<li>Barom\u00e8tre des taux actualis\u00e9 r\u00e9guli\u00e8rement<\/li>\n\n\n\n<li>Espace client s\u00e9curis\u00e9 pour le suivi de dossier<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evaluation_de_la_satisfaction_client\"><\/span>\u00c9valuation de la satisfaction client<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Donnees_quantitatives\"><\/span>Donn\u00e9es quantitatives<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;analyse des avis clients r\u00e9v\u00e8le un niveau de satisfaction globalement \u00e9lev\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Note moyenne de 4,7\/5 sur Trustpilot (base : plus de 12 700 avis)<\/li>\n\n\n\n<li>84% d&rsquo;\u00e9valuations \u00e0 5 \u00e9toiles selon les donn\u00e9es compil\u00e9es<\/li>\n\n\n\n<li>R\u00e9sultats similaires sur les autres plateformes d&rsquo;avis certifi\u00e9s<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Atouts_majeurs_identifies\"><\/span>Atouts majeurs identifi\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les t\u00e9moignages clients mettent en \u00e9vidence plusieurs forces distinctives :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Expertise technique<\/strong> et professionnalisme des conseillers<\/li>\n\n\n\n<li>Capacit\u00e9 \u00e0 obtenir des <strong>conditions financi\u00e8res avantageuses<\/strong><\/li>\n\n\n\n<li>Qualit\u00e9 du suivi personnalis\u00e9 et de l&rsquo;accompagnement<\/li>\n\n\n\n<li>Simplification des d\u00e9marches administratives<\/li>\n\n\n\n<li>Disponibilit\u00e9 et r\u00e9activit\u00e9 du service client<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Points_damelioration_releves\"><\/span>Points d&rsquo;am\u00e9lioration relev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Certaines critiques apparaissent dans les \u00e9valuations moins favorables :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u00e9t\u00e9rog\u00e9n\u00e9it\u00e9 de la qualit\u00e9 de service entre les diff\u00e9rentes agences franchis\u00e9es<\/li>\n\n\n\n<li>Cycles de traitement parfois jug\u00e9s longs (moyenne de 3-4 mois)<\/li>\n\n\n\n<li>Manque de transparence concernant les frais de courtage dans certaines situations<\/li>\n\n\n\n<li><em>Exp\u00e9rience digitale<\/em> moins d\u00e9velopp\u00e9e par rapport aux courtiers 100% en ligne<\/li>\n\n\n\n<li>R\u00e9activit\u00e9 parfois insuffisante pour les profils d&#8217;emprunteurs complexes<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Analyse_comparative_de_loffre\"><\/span>Analyse comparative de l&rsquo;offre<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Structure_tarifaire\"><\/span>Structure tarifaire<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le mod\u00e8le \u00e9conomique d&rsquo;Empruntis pr\u00e9sente les caract\u00e9ristiques suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frais de courtage g\u00e9n\u00e9ralement contenus (environ 1% du montant emprunt\u00e9)<\/li>\n\n\n\n<li>Facturation uniquement au d\u00e9blocage des fonds, sans avance de frais<\/li>\n\n\n\n<li>R\u00e9mun\u00e9ration compl\u00e9mentaire per\u00e7ue des \u00e9tablissements bancaires partenaires<\/li>\n\n\n\n<li>Programme de parrainage avec ch\u00e8que-cadeau de 150\u20ac pour les filleuls<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Positionnement_concurrentiel\"><\/span>Positionnement concurrentiel<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Empruntis se distingue de ses principaux concurrents par :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un maillage territorial plus dense que la plupart des acteurs digitaux<\/li>\n\n\n\n<li>Une approche hybride combinant pr\u00e9sence physique et services en ligne<\/li>\n\n\n\n<li>Des <strong>taux n\u00e9goci\u00e9s comp\u00e9titifs<\/strong> mais pas syst\u00e9matiquement les plus bas du march\u00e9<\/li>\n\n\n\n<li>Une expertise particuli\u00e8rement adapt\u00e9e aux profils standards et primo-acc\u00e9dants<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Specificites_de_loffre_dassurance_emprunteur\"><\/span>Sp\u00e9cificit\u00e9s de l&rsquo;offre d&rsquo;assurance emprunteur<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le service d&rsquo;assurance de pr\u00eat propose plusieurs avantages distinctifs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Analyse comparative entre assurances groupe et d\u00e9l\u00e9gations d&rsquo;assurance<\/li>\n\n\n\n<li>Accompagnement pour la r\u00e9siliation et le changement d&rsquo;assurance (conform\u00e9ment \u00e0 la loi Lemoine)<\/li>\n\n\n\n<li>Prise en charge administrative compl\u00e8te des d\u00e9marches de substitution<\/li>\n\n\n\n<li>Conseiller d\u00e9di\u00e9 pour l&rsquo;optimisation personnalis\u00e9e des garanties<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Profils_clients_optimaux_et_recommandations\"><\/span>Profils clients optimaux et recommandations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Adequation_avec_certains_profils_demprunteurs\"><\/span>Ad\u00e9quation avec certains profils d&#8217;emprunteurs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Empruntis correspond particuli\u00e8rement aux profils suivants :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Primo-acc\u00e9dants n\u00e9cessitant un <strong>accompagnement personnalis\u00e9 renforc\u00e9<\/strong><\/li>\n\n\n\n<li>Emprunteurs classiques avec situation professionnelle stable et revenus r\u00e9guliers<\/li>\n\n\n\n<li>Personnes privil\u00e9giant un contact humain et un suivi en agence<\/li>\n\n\n\n<li>Clients recherchant une expertise globale (cr\u00e9dit et assurance)<\/li>\n\n\n\n<li>Projets disposant d&rsquo;un calendrier flexible<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Configurations_necessitant_une_vigilance_particuliere\"><\/span>Configurations n\u00e9cessitant une vigilance particuli\u00e8re<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Certains cas de figure m\u00e9ritent une attention sp\u00e9cifique :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Profils atypiques ou complexes (entrepreneurs, expatri\u00e9s, revenus irr\u00e9guliers)<\/li>\n\n\n\n<li>Projets immobiliers avec contraintes temporelles strictes<\/li>\n\n\n\n<li>Recherche d&rsquo;une exp\u00e9rience enti\u00e8rement digitalis\u00e9e<\/li>\n\n\n\n<li>Priorit\u00e9 exclusive donn\u00e9e \u00e0 l&rsquo;optimisation maximale du taux d&rsquo;int\u00e9r\u00eat<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evolutions_anticipees_des_services\"><\/span>\u00c9volutions anticip\u00e9es des services<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le d\u00e9veloppement futur des prestations d&rsquo;Empruntis pourrait s&rsquo;orienter vers :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Renforcement de l&rsquo;exp\u00e9rience utilisateur digitale<\/li>\n\n\n\n<li>Standardisation des processus entre les diff\u00e9rentes agences franchis\u00e9es<\/li>\n\n\n\n<li>Am\u00e9lioration de la transparence concernant la structure de r\u00e9mun\u00e9ration<\/li>\n\n\n\n<li>Optimisation des d\u00e9lais de traitement pour les dossiers standards<\/li>\n\n\n\n<li>D\u00e9veloppement de services sp\u00e9cialis\u00e9s pour les profils d&#8217;emprunteurs particuliers<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Synthese_globale\"><\/span>Synth\u00e8se globale<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Empruntis s&rsquo;affirme comme un <strong>acteur de r\u00e9f\u00e9rence dans le secteur du courtage en cr\u00e9dit<\/strong> immobilier et en assurance emprunteur, avec un mod\u00e8le hybride associant pr\u00e9sence physique et outils num\u00e9riques. La satisfaction client globale atteste de la qualit\u00e9 des services propos\u00e9s, particuli\u00e8rement en mati\u00e8re d&rsquo;accompagnement personnalis\u00e9 et de n\u00e9gociation des conditions d&#8217;emprunt.<\/p>\n\n\n\n<p>Les axes d&rsquo;am\u00e9lioration identifi\u00e9s concernent principalement la transformation digitale des processus, l&rsquo;homog\u00e9n\u00e9isation de la qualit\u00e9 de service entre les agences franchis\u00e9es, et l&rsquo;optimisation des d\u00e9lais de traitement. Pour les emprunteurs pr\u00e9sentant un profil standard et recherchant un accompagnement int\u00e9gral, Empruntis constitue une solution pertinente permettant d&rsquo;acc\u00e9der \u00e0 des conditions de financement favorables tout en b\u00e9n\u00e9ficiant d&rsquo;un suivi professionnel durant l&rsquo;ensemble du processus d&rsquo;acquisition.<\/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;49&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;Empruntis Avis : Analyse compl\u00e8te, positionnement et services&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>Pr\u00e9sentation g\u00e9n\u00e9rale et structure organisationnelle Empruntis op\u00e8re comme l&rsquo;un des acteurs majeurs du courtage en cr\u00e9dits et assurances sur le march\u00e9 fran\u00e7ais depuis 2000. Son statut d&rsquo;Interm\u00e9diaire en Op\u00e9rations Bancaires et Services de Paiement (IOBSP) est valid\u00e9 par son immatriculation \u00e0 l&rsquo;ORIAS. L&rsquo;entreprise fait partie des membres fondateurs de l&rsquo;Association Professionnelle des Interm\u00e9diaires en Cr\u00e9dit &#8230; <a title=\"Empruntis Avis : Analyse compl\u00e8te, positionnement et services\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/empruntis-avis\/\" aria-label=\"En savoir plus sur Empruntis Avis : Analyse compl\u00e8te, positionnement et services\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":50,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-49","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-organismes-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>Empruntis Avis : Analyse compl\u00e8te, positionnement et services - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Analyse compl\u00e8te d&#039;Empruntis : expertise, taux n\u00e9goci\u00e9s et satisfaction client. 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