{"id":6200,"date":"2023-01-03T09:00:00","date_gmt":"2023-01-03T08:00:00","guid":{"rendered":"https:\/\/welmo.fr\/blog\/?p=6200"},"modified":"2023-11-03T09:56:58","modified_gmt":"2023-11-03T08:56:58","slug":"pret-achat-revente-definition-conseils-et-methode-de-calcul","status":"publish","type":"post","link":"https:\/\/welmo.fr\/blog\/conseils-immobiliers\/vente-immobiliere\/pret-achat-revente-definition-conseils-et-methode-de-calcul\/","title":{"rendered":"Pr\u00eat achat revente : d\u00e9finition, conseils et m\u00e9thode de calcul"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6200\" class=\"elementor elementor-6200\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d48d07f elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"d48d07f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1712600\" data-id=\"1712600\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bed6f0 elementor-widget elementor-widget-heading\" data-id=\"1bed6f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pr\u00eat achat revente : d\u00e9finition et m\u00e9thode de calcul<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3621252 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"3621252\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d2961f0\" data-id=\"d2961f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e190c2b elementor-widget elementor-widget-text-editor\" data-id=\"e190c2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vous souhaitez acheter un nouveau bien immobilier mais vous n\u2019avez pas encore termin\u00e9 de rembourser l\u2019emprunt immobilier de votre ancien logement ? Le pr\u00eat achat-revente est peut-\u00eatre fait pour vous ! Comment cela fonctionne-t-il ? Quelles diff\u00e9rences avec le pr\u00eat relais ? Quels sont ses avantages et inconv\u00e9nients pour votre projet immobilier ? On fait le point dans cet article.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e55427a elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"e55427a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-932eeee\" data-id=\"932eeee\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff1dd05 elementor-widget elementor-widget-image\" data-id=\"ff1dd05\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-1024x683.jpg\" class=\"attachment-large size-large wp-image-2057\" alt=\"Pr\u00eat achat-revente\" srcset=\"https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-1024x683.jpg 1024w, https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-300x200.jpg 300w, https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-768x512.jpg 768w, https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-1536x1024.jpg 1536w, https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-2048x1365.jpg 2048w, https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-200x133.jpg 200w, https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-400x267.jpg 400w, https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-600x400.jpg 600w, https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-800x533.jpg 800w, https:\/\/welmo.fr\/blog\/wp-content\/uploads\/2021\/03\/dossier-pret_investissement-locatif-1200x800.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-962aee1 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"962aee1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e92cdcf\" data-id=\"e92cdcf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ebaf2cf elementor-widget elementor-widget-text-editor\" data-id=\"ebaf2cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Sommaire :<\/b><\/h2><ul><li aria-level=\"1\"><a href=\"#definition\">Qu\u2019est-ce que le pr\u00eat achat-revente<\/a><\/li><li aria-level=\"1\"><a href=\"#differences-pret-relais\">Quelles diff\u00e9rences avec le pr\u00eat relais ?<\/a><\/li><li aria-level=\"1\"><a href=\"#fonctionnement\">Le fonctionnement du pr\u00eat achat-revente<\/a><\/li><li aria-level=\"1\"><a href=\"#calcul\">Comment calculer un achat-revente<\/a><\/li><li aria-level=\"1\"><a href=\"#avantages-inconvenients\">Les avantages et inconv\u00e9nients<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8ed236 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"e8ed236\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d8167c0\" data-id=\"d8167c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6f28d3 elementor-widget elementor-widget-menu-anchor\" data-id=\"a6f28d3\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"definition\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a94deba elementor-widget elementor-widget-heading\" data-id=\"a94deba\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu\u2019est-ce que le pr\u00eat achat-revente ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b9c4e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1b9c4e9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-af3134d\" data-id=\"af3134d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7bbbdb7 elementor-widget elementor-widget-text-editor\" data-id=\"7bbbdb7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mis en place en 2014, le pr\u00eat achat-revente s\u2019adresse aux secundo-acc\u00e9dants qui souhaitent acheter un nouveau bien sans avoir termin\u00e9 le remboursement du premier pr\u00eat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dacc268 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"dacc268\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-523bc7a\" data-id=\"523bc7a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47070bf elementor-widget elementor-widget-text-editor\" data-id=\"47070bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour cr\u00e9er votre alerte mail et trouver votre futur bien :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-98f02c4\" data-id=\"98f02c4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf82950 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"bf82950\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/welmo.fr\/creer_alerte\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Je cr\u00e9\u00e9 mon alerte mail<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-737bac7 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"737bac7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94ba606\" data-id=\"94ba606\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb4ae04 elementor-widget elementor-widget-menu-anchor\" data-id=\"eb4ae04\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"difference-pret-relais\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71244fd elementor-widget elementor-widget-heading\" data-id=\"71244fd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quelles diff\u00e9rences avec le pr\u00eat relais ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b511dbc elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"b511dbc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-47d5375\" data-id=\"47d5375\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-95fb876 elementor-widget elementor-widget-text-editor\" data-id=\"95fb876\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/welmo.fr\/blog\/conseils-immobiliers\/pret-relais-tout-ce-quil-faut-savoir\/\" target=\"_blank\" rel=\"noopener\">Le pr\u00eat relais<\/a> vous permet d\u2019emprunter jusqu\u2019\u00e0 70% de la valeur du bien en vente apr\u00e8s d\u00e9duction du cr\u00e9dit immobilier qu\u2019il vous reste \u00e0 payer. Ainsi, vous cumulez votre ancien cr\u00e9dit, le cr\u00e9dit relais et potentiellement un cr\u00e9dit compl\u00e9mentaire si vous ne disposez pas d\u2019apport.<\/p><p>A la diff\u00e9rence des pr\u00eats relais, le pr\u00eat achat-revente vous permet de rassembler l\u2019ensemble de vos pr\u00eats en un seul pr\u00eat unique sans pr\u00eat compl\u00e9mentaire.\u00a0 Il permet de ne pas impacter votre capacit\u00e9 d\u2019emprunt. En effet, il tient compte de votre endettement pour vous proposer un financement immobilier adapt\u00e9 en attendant la vente de votre logement.<\/p><p>Autre diff\u00e9rence : le taux de pr\u00eat. G\u00e9n\u00e9ralement, le pr\u00eat achat-revente propose un taux de cr\u00e9dit immobilier plus \u00e9lev\u00e9 que le pr\u00eat relais.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-61ee8bc elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"61ee8bc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c51943b\" data-id=\"c51943b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-286a284 elementor-widget elementor-widget-menu-anchor\" data-id=\"286a284\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"fonctionnement\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a19b59 elementor-widget elementor-widget-heading\" data-id=\"7a19b59\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le fonctionnement du pr\u00eat achat-revente<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-116b436 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"116b436\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8841e86\" data-id=\"8841e86\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0dc93a8 elementor-widget elementor-widget-text-editor\" data-id=\"0dc93a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019\u00e9tablissement qui finance votre pr\u00eat va racheter votre ancien cr\u00e9dit immobilier pour le combiner avec votre nouvel emprunt. Ils sont alors regroup\u00e9s en un seul pr\u00eat \u00e0 taux d\u2019int\u00e9r\u00eat unique, ce qui vous permet d\u2019avoir une seule mensualit\u00e9 et de b\u00e2tir un nouvel \u00e9ch\u00e9ancier.\u00a0<\/p><p>La banque vous versera ensuite une avance de 70% de la valeur de votre bien mis en vente. Cette avance sera ensuite rembours\u00e9e par la vente de votre ancien bien. G\u00e9n\u00e9ralement, la banque accorde l\u2019avance pour une dur\u00e9e de 1 an, renouvelable selon certaines conditions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bdfa27e elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"bdfa27e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61ee322\" data-id=\"61ee322\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-721b9e7 elementor-widget elementor-widget-menu-anchor\" data-id=\"721b9e7\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"calcul\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b3047b elementor-widget elementor-widget-heading\" data-id=\"5b3047b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment le calculer ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c8b2734 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"c8b2734\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b9b2d57\" data-id=\"b9b2d57\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b12d984 elementor-widget elementor-widget-text-editor\" data-id=\"b12d984\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Concr\u00e8tement il se calcule comme suit : [prix du nouveau bien immobilier + capital restant d\u00fb de l\u2019ancien cr\u00e9dit + les frais de remboursement anticip\u00e9 pour le rachat de l\u2019ancien cr\u00e9dit] &#8211; [le montant de l\u2019avance 70% + apport personnel s\u2019il y a].<\/p>\n<p>Par exemple, vous souhaitez acheter un bien \u00e0 190 000\u20ac et vendre votre bien actuel \u00e0 170 000\u20ac.<\/p>\n<p>Vos mensualit\u00e9s actuelles sont de 930\u20ac par mois et le capital restant d\u00fb est de 60 000\u20ac.<\/p>\n<p>170 000 x 0,7 = 119 000 \u20ac<\/p>\n<p>Vous disposez donc d\u2019une avance de 119 000\u20ac pour acheter votre nouveau bien. Il vous manque 71 000\u20ac.<\/p>\n<p>L\u2019\u00e9tablissement pr\u00eateur va ainsi racheter votre ancien pr\u00eat et vous pr\u00eater 71 000\u20ac<\/p>\n<p>Le montant du nouveau pr\u00eat sera : 190 000 (financement total) + 60 000 (capital emprunt\u00e9 restant d\u00fb de l\u2019ancien pr\u00eat) + 1 500 (frais de remboursement anticip\u00e9 pour le rachat de cr\u00e9dit) &#8211; 119 000 (montant de l\u2019avance) = 132 500 \u20ac<\/p>\n<p>Un pr\u00eat de 132 500 \u20ac sur 20 ans se traduit approximativement par des mensualit\u00e9s du pr\u00eat de 728\u20ac (Taux d\u2019assurance de pr\u00eat \u00e0 0,34% et taux de cr\u00e9dit \u00e0 2,31%).<\/p>\n<p>Il est \u00e9galement possible d\u2019utiliser des simulateurs en ligne afin de calculer votre pr\u00eat achat-revente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59d975d elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"59d975d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32dacf4\" data-id=\"32dacf4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e574384 elementor-widget elementor-widget-menu-anchor\" data-id=\"e574384\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"avantages-inconvenients\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fde547d elementor-widget elementor-widget-heading\" data-id=\"fde547d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les avantages et inconv\u00e9nients du pr\u00eat achat revente<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bf9ab6d elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"bf9ab6d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a8ba9f3\" data-id=\"a8ba9f3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bd7c7f elementor-widget elementor-widget-text-editor\" data-id=\"6bd7c7f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ce type de cr\u00e9dit pr\u00e9sente un principal avantage : il prend en compte votre endettement actuel pour vous proposer un endettement adapt\u00e9 \u00e0 votre situation, \u00e0 la diff\u00e9rence du pr\u00eat relais. Aussi, vous \u00eates dans les meilleures conditions pour emprunter si le remboursement du cr\u00e9dit de votre premier achat est toujours en cours : vous aurez un seul pr\u00eat global (et non plusieurs comme pour le pr\u00eat relais), ce qui peut revenir \u00e0 moins cher et ce qui est plus facile \u00e0 g\u00e9rer au quotidien.<\/p>\n<p>Le principal inconv\u00e9nient est son taux plus \u00e9lev\u00e9 qu\u2019un pr\u00eat classique. En effet, la banque finan\u00e7ant \u00e0 la fois l\u2019ancien et le nouvel investissement, les int\u00e9r\u00eats du pr\u00eat seront plus \u00e9lev\u00e9s.<\/p>\n<p>De plus, vous disposez d\u2019un d\u00e9lai moins long pour vendre votre bien par rapport \u00e0 un cr\u00e9dit classique. Il est donc important de se renseigner pour s\u2019assurer que le bien sera vendu relativement rapidement.<\/p>\n<p>Pour en savoir plus sur les d\u00e9lais de vente, retrouvez notre <a href=\"https:\/\/welmo.fr\/blog\/guide-vendeur\/\" target=\"_blank\" rel=\"noopener\">guide du vendeur<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pr\u00eat achat revente : d\u00e9finition et m\u00e9thode de calcul Vous souhaitez acheter un nouveau bien immobilier mais vous n\u2019avez pas encore termin\u00e9 de rembourser l\u2019emprunt immobilier de votre ancien logement ? Le pr\u00eat achat-revente est peut-\u00eatre fait pour vous ! Comment cela fonctionne-t-il ? Quelles diff\u00e9rences avec le pr\u00eat relais ? Quels sont ses avantages et inconv\u00e9nients pour votre projet immobilier ? On fait le point dans cet article. Sommaire : Qu\u2019est-ce que le pr\u00eat achat-revente Quelles diff\u00e9rences avec le pr\u00eat relais ? Le fonctionnement du pr\u00eat achat-revente Comment calculer un achat-revente Les avantages et inconv\u00e9nients Qu\u2019est-ce que le pr\u00eat achat-revente ? Mis en place en 2014, le pr\u00eat achat-revente s\u2019adresse aux secundo-acc\u00e9dants qui souhaitent acheter un nouveau bien sans avoir termin\u00e9 le remboursement du premier pr\u00eat. Pour cr\u00e9er votre alerte mail et trouver votre futur bien : Je cr\u00e9\u00e9 mon alerte mail Quelles diff\u00e9rences avec le pr\u00eat relais ? Le pr\u00eat relais vous permet d\u2019emprunter jusqu\u2019\u00e0 70% de la valeur du bien en vente apr\u00e8s d\u00e9duction du cr\u00e9dit immobilier qu\u2019il vous reste \u00e0 payer. Ainsi, vous cumulez votre ancien cr\u00e9dit, le cr\u00e9dit relais et potentiellement un cr\u00e9dit compl\u00e9mentaire si vous ne disposez pas d\u2019apport. A la diff\u00e9rence des pr\u00eats relais, le pr\u00eat achat-revente vous permet de rassembler l\u2019ensemble de vos pr\u00eats en un seul pr\u00eat unique sans pr\u00eat compl\u00e9mentaire.\u00a0 Il permet de ne pas impacter votre capacit\u00e9 d\u2019emprunt. En effet, il tient compte de votre endettement pour vous proposer un financement immobilier adapt\u00e9 en attendant la vente de votre logement. Autre diff\u00e9rence : le taux de pr\u00eat. G\u00e9n\u00e9ralement, le pr\u00eat achat-revente propose un taux de cr\u00e9dit immobilier plus \u00e9lev\u00e9 que le pr\u00eat relais. Le fonctionnement du pr\u00eat achat-revente L\u2019\u00e9tablissement qui finance votre pr\u00eat va racheter votre ancien cr\u00e9dit immobilier pour le combiner avec votre nouvel emprunt. Ils sont alors regroup\u00e9s en un seul pr\u00eat \u00e0 taux d\u2019int\u00e9r\u00eat unique, ce qui vous permet d\u2019avoir une seule mensualit\u00e9 et de b\u00e2tir un nouvel \u00e9ch\u00e9ancier. La banque vous versera ensuite une avance de 70% de la valeur de votre bien mis en vente. Cette avance sera ensuite rembours\u00e9e par la vente de votre ancien bien. G\u00e9n\u00e9ralement, la banque accorde l\u2019avance pour une dur\u00e9e de 1 an, renouvelable selon certaines conditions. Comment le calculer ? Concr\u00e8tement il se calcule comme suit : [prix du nouveau bien immobilier + capital restant d\u00fb de l\u2019ancien cr\u00e9dit + les frais de remboursement anticip\u00e9 pour le rachat de l\u2019ancien cr\u00e9dit] &#8211; [le montant de l\u2019avance 70% + apport personnel s\u2019il y a]. Par exemple, vous souhaitez acheter un bien \u00e0 190 000\u20ac et vendre votre bien actuel \u00e0 170 000\u20ac. Vos mensualit\u00e9s actuelles sont de 930\u20ac par mois et le capital restant d\u00fb est de 60 000\u20ac. 170 000 x 0,7 = 119 000 \u20ac Vous disposez donc d\u2019une avance de 119 000\u20ac pour acheter votre nouveau bien. Il vous manque 71 000\u20ac. L\u2019\u00e9tablissement pr\u00eateur va ainsi racheter votre ancien pr\u00eat et vous pr\u00eater 71 000\u20ac Le montant du nouveau pr\u00eat sera : 190 000 (financement total) + 60 000 (capital emprunt\u00e9 restant d\u00fb de l\u2019ancien pr\u00eat) + 1 500 (frais de remboursement anticip\u00e9 pour le rachat de cr\u00e9dit) &#8211; 119 000 (montant de l\u2019avance) = 132 500 \u20ac Un pr\u00eat de 132 500 \u20ac sur 20 ans se traduit approximativement par des mensualit\u00e9s du pr\u00eat de 728\u20ac (Taux d\u2019assurance de pr\u00eat \u00e0 0,34% et taux de cr\u00e9dit \u00e0 2,31%). Il est \u00e9galement possible d\u2019utiliser des simulateurs en ligne afin de calculer votre pr\u00eat achat-revente. Les avantages et inconv\u00e9nients du pr\u00eat achat revente Ce type de cr\u00e9dit pr\u00e9sente un principal avantage : il prend en compte votre endettement actuel pour vous proposer un endettement adapt\u00e9 \u00e0 votre situation, \u00e0 la diff\u00e9rence du pr\u00eat relais. Aussi, vous \u00eates dans les meilleures conditions pour emprunter si le remboursement du cr\u00e9dit de votre premier achat est toujours en cours : vous aurez un seul pr\u00eat global (et non plusieurs comme pour le pr\u00eat relais), ce qui peut revenir \u00e0 moins cher et ce qui est plus facile \u00e0 g\u00e9rer au quotidien. Le principal inconv\u00e9nient est son taux plus \u00e9lev\u00e9 qu\u2019un pr\u00eat classique. En effet, la banque finan\u00e7ant \u00e0 la fois l\u2019ancien et le nouvel investissement, les int\u00e9r\u00eats du pr\u00eat seront plus \u00e9lev\u00e9s. De plus, vous disposez d\u2019un d\u00e9lai moins long pour vendre votre bien par rapport \u00e0 un cr\u00e9dit classique. Il est donc important de se renseigner pour s\u2019assurer que le bien sera vendu relativement rapidement. Pour en savoir plus sur les d\u00e9lais de vente, retrouvez notre guide du vendeur.<\/p>\n","protected":false},"author":6,"featured_media":2057,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"right-sidebar","site-content-layout":"content-boxed-container","ast-site-content-layout":"normal-width-container","site-content-style":"boxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[],"class_list":["post-6200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vente-immobiliere"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00eat achat revente : d\u00e9finition, conseils et m\u00e9thode de calcul<\/title>\n<meta name=\"description\" content=\"Vous achetez un nouveau bien immobilier mais vous n\u2019avez pas encore termin\u00e9 de rembourser votre premier pr\u00eat ? 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