{"id":6639,"date":"2026-05-01T09:09:58","date_gmt":"2026-05-01T08:09:58","guid":{"rendered":"https:\/\/www.credafin.be\/kreditbundelung\/der-kreditkauf-zum-sparen"},"modified":"2026-05-01T09:09:58","modified_gmt":"2026-05-01T08:09:58","slug":"der-kreditkauf-zum-sparen","status":"publish","type":"post","link":"https:\/\/www.credafin.be\/de\/kreditbundelung\/der-kreditkauf-zum-sparen","title":{"rendered":"Der Kreditkauf zum Sparen"},"content":{"rendered":" \n

Le rachat de cr\u00e9dit est une solution simple destin\u00e9e aux particuliers pour r\u00e9gulariser ses emprunts et all\u00e9ger ses d\u00e9penses mensuelles.<\/p> \n\r\n

<\/p>\r\n \n

Simulez un rachat de cr\u00e9dit en ligne<\/a><\/p> \n \n

Ce qu\u2019il faut savoir sur le rachat de cr\u00e9dits pour faire des \u00e9conomies<\/h2> \n \n

c’est un moyen pratique pour financer ses projets. Compte tenu des sommes emprunt\u00e9es et de la dur\u00e9e de remboursement, on n\u2019est malheureusement pas \u00e0 l\u2019abri d\u2019un impr\u00e9vu.\u00a0 Un licenciement, une maladie invalidante, une baisse de revenu peut entra\u00eener une d\u00e9faillance de paiement.\u00a0<\/p> \n \n

Principe et avantages du regroupement de cr\u00e9dit<\/h2> \n \n

Racheter un ou plusieurs cr\u00e9dits en cours sert \u00e0 regrouper tous ses emprunts pour finir de les rembourser gr\u00e2ce \u00e0 une seule mensualit\u00e9.\u00a0<\/p> \n \n

Le capital emprunt\u00e9 correspond au total des soldes restant d\u00fb sur les pr\u00e9c\u00e9dents emprunts. Les modalit\u00e9s de remboursement tiendront compte du montant total demand\u00e9, de la dur\u00e9e du refinancement et des mensualit\u00e9s que vous \u00eates en mesure de payer sans risquer le surendettement<\/a>.<\/p> \n \n

Cette formule de refinancement de cr\u00e9dit couvre les pr\u00eats \u00e0 la consommation<\/a>,\u00a0les emprunts<\/a> affect\u00e9s \u00e0 l\u2019achat d\u2019une moto ou une voiture.\u00a0 Si votre situation financi\u00e8re le permet apr\u00e8s le r\u00e9\u00e9chelonnement de votre emprunt, il est possible d\u2019inclure le financement d\u2019un projet au rachat de cr\u00e9dit.<\/p> \n \n

L\u2019un des avantages de cette op\u00e9ration est la possibilit\u00e9 de b\u00e9n\u00e9ficier de taux plus avantageux<\/a>. Il vous sera donc possible de r\u00e9aliser des \u00e9conomies. Elle permet \u00e9galement de baisser le montant des mensualit\u00e9s et par cons\u00e9quent, vos charges.<\/p> \n \n

Rachat de cr\u00e9dit : comment proc\u00e9der ?<\/h2> \n \n

L\u2019obtention d\u2019un rachat de pr\u00eat<\/a>\u00a0 se fait sur une \u00e9tude de dossier afin de d\u00e9terminer si votre profil est \u00e9ligible. L\u2019autorit\u00e9 de surveillance spf economie veille notamment \u00e0 ce que les op\u00e9rations soient trait\u00e9es \u00e9quitablement. L\u2019octroi d\u00e9pend entre autres de votre \u00e2ge, de votre situation financi\u00e8re et de votre capacit\u00e9 d\u2019endettement.<\/p> \n \n

Les organismes de pr\u00eat peuvent aussi consulter le fichier de la Centrale des cr\u00e9dits aux particuliers<\/a> (CPP), un service rattach\u00e9 \u00e0 la banque nationale de Belgique<\/a> pour connaitre vos cr\u00e9dits en cours. Ce fichage liste les cr\u00e9dits que vous avez contract\u00e9s et indique o\u00f9 vous en \u00eates dans les remboursements.<\/p> \n \n

Lorsque vous envisagez de racheter vos emprunts, quelques pr\u00e9cautions s\u2019imposent pour \u00e9viter les d\u00e9convenues. Il convient de vous renseigner sur les offres et les mentions l\u00e9gales concernant les conditions d\u2019obtention que proposent les \u00e9tablissements bancaires.<\/p> \n \n

Vous pouvez prendre rendez-vous aupr\u00e8s des diff\u00e9rents organismes de cr\u00e9dit ou vous servir d\u2019un simulateur en ligne pour comparer les diff\u00e9rentes options, afin de b\u00e9n\u00e9ficier d\u2019un rachat de cr\u00e9dit au taux d\u2019int\u00e9r\u00eat le plus bas.<\/p> \n \n

Chez Credafin<\/a> nous vous pr\u00e9senterons les offres susceptibles de correspondre \u00e0 votre profil, l\u2019avantage de choisir un taux fixe ou variable, et nous vous aiderons dans les proc\u00e9dures de demande de cr\u00e9dit.<\/p> \n \n

Vous serez accompagn\u00e9 par un interlocuteur unique tout au long des d\u00e9marches \u00e0 respecter, y compris pour la constitution du dossier. Les services de Credafin sont enti\u00e8rement gratuits.<\/p> \n \n

Le co\u00fbt d\u2019un refinancement de cr\u00e9dit\u00a0<\/h2> \n \n

Des frais relativement \u00e9lev\u00e9s, incluant la taxe, sont \u00e0 pr\u00e9voir pour la souscription d\u2019un regroupement de cr\u00e9dit.<\/p> \n

\u00a0<\/p> \n

Simulez un rachat de cr\u00e9dit en ligne<\/a><\/p> \n","protected":false},"excerpt":{"rendered":"

Nutzen Sie die Kreditumschuldung, senken Sie Ihre Raten und entdecken Sie Ihre Sparm\u00f6glichkeiten \u2013 jetzt mehr erfahren!<\/p>\n","protected":false},"author":22,"featured_media":4535,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Kreditumschuldung","_yoast_wpseo_title":"Der Kreditkauf zum Sparen | Credafin","_yoast_wpseo_metadesc":"Erfahren Sie, wie eine Kreditumschuldung Ihre Raten senken und Ihr Budget entlasten kann. Jetzt reinlesen und direkt sparen!","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"https:\/\/www.credafin.be\/de\/kreditbundelung\/der-kreditkauf-zum-sparen","_yoast_wpseo_focuskw_text":"Kreditumschuldung","_yoast_wpseo_schema":"Article","footnotes":""},"categories":[64],"tags":[],"class_list":["post-6639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kreditbundelung"],"yoast_head":"\nDer Kreditkauf zum Sparen | Credafin<\/title>\n<meta name=\"description\" content=\"Erfahren Sie, wie eine Kreditumschuldung Ihre Raten senken und Ihr Budget entlasten kann. 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