{"id":576,"date":"2025-07-31T15:25:00","date_gmt":"2025-07-31T13:25:00","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/?p=576"},"modified":"2025-07-26T17:26:00","modified_gmt":"2025-07-26T15:26:00","slug":"je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/","title":{"rendered":"\u00ab\u00a0Je ne pensais pas pouvoir r\u00e9duire mes mensualit\u00e9s \u00e0 la retraite\u00a0\u00bb : le rachat de cr\u00e9dit, une bouff\u00e9e d&rsquo;oxyg\u00e8ne pour les seniors ?"},"content":{"rendered":"\n<p>Alors que le pouvoir d&rsquo;achat des retrait\u00e9s fran\u00e7ais stagne depuis plusieurs ann\u00e9es, le rachat de cr\u00e9dit pourrait constituer une solution m\u00e9connue pour all\u00e9ger le budget des seniors endett\u00e9s. Cette op\u00e9ration financi\u00e8re, qui permet de regrouper plusieurs pr\u00eats en un seul avec un taux r\u00e9duit, gagnerait \u00e0 \u00eatre mieux connue selon les experts.<\/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-69f1060c73847\" 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-69f1060c73847\" 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\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/#Le_temoignage_poignant_de_Jean_68_ans\" >Le t\u00e9moignage poignant de Jean, 68 ans<\/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\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/#Comment_fonctionne_le_rachat_de_credit_pour_les_retraites\" >Comment fonctionne le rachat de cr\u00e9dit pour les retrait\u00e9s ?<\/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\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/#Les_pieges_a_eviter\" >Les pi\u00e8ges \u00e0 \u00e9viter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/#Qui_peut_en_beneficier\" >Qui peut en b\u00e9n\u00e9ficier ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/#Les_alternatives_au_rachat_de_credit\" >Les alternatives au rachat de cr\u00e9dit<\/a><\/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\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/#Ce_que_disent_les_chiffres\" >Ce que disent les chiffres<\/a><\/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\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/#Comment_se_lancer\" >Comment se lancer ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Le_temoignage_poignant_de_Jean_68_ans\"><\/span>Le t\u00e9moignage poignant de Jean, 68 ans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jean, ancien cadre dans l&rsquo;industrie, a vu ses revenus diminuer de pr\u00e8s de 30% apr\u00e8s son d\u00e9part \u00e0 la retraite. \u00ab\u00a0Avec un cr\u00e9dit immobilier et un pr\u00eat consommation, je devais verser pr\u00e8s de 900\u20ac par mois. Je commen\u00e7ais \u00e0 puiser dans mes \u00e9conomies pour joindre les deux bouts\u00a0\u00bb, confie-t-il.<\/p>\n\n\n\n<p>Apr\u00e8s avoir consult\u00e9 un courtier sp\u00e9cialis\u00e9, Jean a opt\u00e9 pour un rachat de cr\u00e9dit qui lui a permis de r\u00e9duire ses mensualit\u00e9s \u00e0 550\u20ac. \u00ab\u00a0Cela a chang\u00e9 ma vie de retrait\u00e9. Je peux enfin profiter de mes petits-enfants sans cette \u00e9p\u00e9e de Damocl\u00e8s financi\u00e8re.\u00a0\u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comment_fonctionne_le_rachat_de_credit_pour_les_retraites\"><\/span>Comment fonctionne le rachat de cr\u00e9dit pour les retrait\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Le m\u00e9canisme du rachat de cr\u00e9dit consisterait \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Regrouper l&rsquo;ensemble des cr\u00e9dits en cours (immobilier, consommation, revolving)<\/li>\n\n\n\n<li>N\u00e9gocier un taux globalement plus avantageux<\/li>\n\n\n\n<li>\u00c9taler la dur\u00e9e de remboursement pour r\u00e9duire la charge mensuelle<\/li>\n<\/ul>\n\n\n\n<p>Selon une <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2105\" target=\"_blank\" rel=\"noopener\">fiche du service public<\/a>, cette op\u00e9ration serait particuli\u00e8rement adapt\u00e9e aux situations o\u00f9 les revenus diminuent, comme lors du passage \u00e0 la retraite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_pieges_a_eviter\"><\/span>Les pi\u00e8ges \u00e0 \u00e9viter<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Toutefois, certains sp\u00e9cialistes mettraient en garde contre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&rsquo;allongement de la dur\u00e9e totale du cr\u00e9dit qui pourrait augmenter le co\u00fbt total<\/li>\n\n\n\n<li>Les frais de dossier parfois \u00e9lev\u00e9s<\/li>\n\n\n\n<li>La n\u00e9cessit\u00e9 de maintenir une assurance emprunteur adapt\u00e9e<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Qui_peut_en_beneficier\"><\/span>Qui peut en b\u00e9n\u00e9ficier ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Les conditions d&rsquo;acc\u00e8s varieraient selon les \u00e9tablissements mais reposeraient g\u00e9n\u00e9ralement sur :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un taux d&rsquo;endettement inf\u00e9rieur \u00e0 35% apr\u00e8s op\u00e9ration<\/li>\n\n\n\n<li>Des revenus stables (pension de retraite)<\/li>\n\n\n\n<li>Un \u00e2ge permettant de couvrir la dur\u00e9e du nouveau cr\u00e9dit<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_alternatives_au_rachat_de_credit\"><\/span>Les alternatives au rachat de cr\u00e9dit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pour ceux qui ne souhaiteraient pas ou ne pourraient pas recourir au rachat de cr\u00e9dit, d&rsquo;autres solutions existeraient :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La ren\u00e9gociation directe avec sa banque<\/li>\n\n\n\n<li>Le recours \u00e0 un pr\u00eat familial<\/li>\n\n\n\n<li>La vente du bien immobilier dans certains cas extr\u00eames<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_que_disent_les_chiffres\"><\/span>Ce que disent les chiffres<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selon une \u00e9tude r\u00e9cente, pr\u00e8s de 18% des retrait\u00e9s fran\u00e7ais auraient encore des cr\u00e9dits en cours, avec une dur\u00e9e moyenne de remboursement de 7 ans apr\u00e8s le d\u00e9part \u00e0 la retraite. Parmi eux, seuls 12% auraient recours au rachat de cr\u00e9dit, laissant supposer un important potentiel inexploit\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comment_se_lancer\"><\/span>Comment se lancer ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Les \u00e9tapes cl\u00e9s pour explorer cette piste seraient :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Faire un bilan complet de ses cr\u00e9dits en cours<\/li>\n\n\n\n<li>Comparer plusieurs offres de rachat<\/li>\n\n\n\n<li>\u00c9tudier attentivement le nouveau tableau d&rsquo;amortissement<\/li>\n\n\n\n<li>V\u00e9rifier les p\u00e9nalit\u00e9s \u00e9ventuelles sur les anciens cr\u00e9dits<\/li>\n<\/ol>\n\n\n\n<p>Comme le montre l&rsquo;histoire de Jean, le rachat de cr\u00e9dit \u00e0 la retraite pourrait repr\u00e9senter une solution m\u00e9connue mais efficace pour retrouver une certaine s\u00e9r\u00e9nit\u00e9 financi\u00e8re. Toutefois, cette op\u00e9ration n\u00e9cessiterait une \u00e9tude approfondie et personnalis\u00e9e pour \u00e9viter les pi\u00e8ges.<\/p>\n\n\n\n<p>Et vous, avez-vous d\u00e9j\u00e0 envisag\u00e9 le rachat de cr\u00e9dit pour all\u00e9ger vos mensualit\u00e9s \u00e0 la retraite ? Partagez votre exp\u00e9rience en commentaires.<\/p>\n\n\n\n<p><br><br>\u00ab\u00a0`<\/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;576&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;\\u0026quot;Je ne pensais pas pouvoir r\u00e9duire mes mensualit\u00e9s \u00e0 la retraite\\u0026quot; : le rachat de cr\u00e9dit, une bouff\u00e9e d\\u0026#039;oxyg\u00e8ne pour les seniors ?&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>Alors que le pouvoir d&rsquo;achat des retrait\u00e9s fran\u00e7ais stagne depuis plusieurs ann\u00e9es, le rachat de cr\u00e9dit pourrait constituer une solution m\u00e9connue pour all\u00e9ger le budget des seniors endett\u00e9s. Cette op\u00e9ration financi\u00e8re, qui permet de regrouper plusieurs pr\u00eats en un seul avec un taux r\u00e9duit, gagnerait \u00e0 \u00eatre mieux connue selon les experts. Le t\u00e9moignage poignant &#8230; <a title=\"\u00ab\u00a0Je ne pensais pas pouvoir r\u00e9duire mes mensualit\u00e9s \u00e0 la retraite\u00a0\u00bb : le rachat de cr\u00e9dit, une bouff\u00e9e d&rsquo;oxyg\u00e8ne pour les seniors ?\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/\" aria-label=\"En savoir plus sur \u00ab\u00a0Je ne pensais pas pouvoir r\u00e9duire mes mensualit\u00e9s \u00e0 la retraite\u00a0\u00bb : le rachat de cr\u00e9dit, une bouff\u00e9e d&rsquo;oxyg\u00e8ne pour les seniors ?\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":577,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-576","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>&quot;Je ne pensais pas pouvoir r\u00e9duire mes mensualit\u00e9s \u00e0 la retraite&quot; : le rachat de cr\u00e9dit, une bouff\u00e9e d&#039;oxyg\u00e8ne pour les seniors ? - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rachat2credit.fr\/guide\/je-ne-pensais-pas-pouvoir-reduire-mes-mensualites-a-la-retraite-le-rachat-de-credit-une-bouffee-doxygene-pour-les-seniors\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;Je ne pensais pas pouvoir r\u00e9duire mes mensualit\u00e9s \u00e0 la retraite&quot; : le rachat de cr\u00e9dit, une bouff\u00e9e d&#039;oxyg\u00e8ne pour les seniors ? - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Alors que le pouvoir d&rsquo;achat des retrait\u00e9s fran\u00e7ais stagne depuis plusieurs ann\u00e9es, le rachat de cr\u00e9dit pourrait constituer une solution m\u00e9connue pour all\u00e9ger le budget des seniors endett\u00e9s. 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