{"id":6815,"date":"2026-04-10T20:24:43","date_gmt":"2026-04-10T19:24:43","guid":{"rendered":"https:\/\/www.credafin.be\/credit-consolidation\/loan-refinancing-rate"},"modified":"2026-04-10T20:24:43","modified_gmt":"2026-04-10T19:24:43","slug":"loan-refinancing-rate","status":"publish","type":"post","link":"https:\/\/www.credafin.be\/en\/credit-consolidation\/loan-refinancing-rate","title":{"rendered":"Loan Refinancing Rate"},"content":{"rendered":" \n

Envie de vous engager dans une proc\u00e9dure de rachat de pr\u00eat<\/a> ? D\u00e9couvrez quel taux rachat cr\u00e9dit vous est profitable.<\/p> \n\r\n

<\/p>\r\n \n

Simulez un rachat de pr\u00eat<\/a><\/p> \n \n

Taux variable ou taux fixe : lequel de ces taux rachat cr\u00e9dit ?<\/h2> \n \n

Comme pour toute demande de cr\u00e9dit, vous pouvez choisir entre un taux fixe ou variable lors d’un rachat d’emprunt. Pour une optimisation de votre choix durant cette op\u00e9ration dont le but est d’obtenir des conditions plus souples et obtenir un meilleur taux<\/a><\/span>. Que celles de votre pr\u00eat existant, vous devez minutieusement analyser les avantages et inconv\u00e9nients de chacun d’eux.<\/p> \n \n

Ainsi, si vous optez pour un rachat de cr\u00e9dit, vous acceptez de vous soumettre aux variations du taux du march\u00e9 sur toute la dur\u00e9e de remboursement de votre pr\u00eat.<\/h3> \n \n

Avec cette option, le taux d int\u00e9r\u00eat<\/span> de base de votre emprunt est susceptible d’\u00e9voluer \u00e0 la baisse ou \u00e0 la hausse en fonction des tendances du march\u00e9.<\/p> \n \n

Il convient de noter que celui-ci, enferm\u00e9 dans une fourchette pr\u00e9alablement fix\u00e9e et limit\u00e9e. Quel que soit le niveau d’augmentation, le double du taux initial ne se d\u00e9passe pas. Il est clair que le risque encouru en termes d’incidence sur le montant total, plus \u00e9lev\u00e9 que dans le cadre d’un cr\u00e9dit \u00e0 taux fixe.<\/p> \n \n

Cependant, ce choix est assez int\u00e9ressant avec des taux plus attractifs en d\u00e9but de contrat. La formule choisie par le requ\u00e9rant permet leur meilleure adaptation. En plus d’\u00eatre plus avantageux que les taux fixes en d\u00e9but de remboursement, les taux variables constituent une solution judicieuse en cas de hausse des taux.<\/p> \n \n

La possibilit\u00e9 pour l’emprunteur de b\u00e9n\u00e9ficier de mensualit\u00e9s adapt\u00e9es quand les taux diminuent et une augmentation plafonn\u00e9e au double du taux initial constituent d\u2019autres b\u00e9n\u00e9fices que vous pourrez tirer de ce choix.<\/p> \n \n

Il faut toutefois garder \u00e0 l’esprit que si les taux du march\u00e9 flambent. Le v\u00f4tre aussi \u00e9voluera \u00e0 la hausse, ce qui aura pour cons\u00e9quence d’alourdir la somme globale \u00e0 rembourser \u00e0 votre pr\u00eateur.<\/p> \n \n

En privil\u00e9giant un rachat de pr\u00eat, vous avez une id\u00e9e claire du montant exact de vos mensualit\u00e9s \u00e0 r\u00e9gler jusqu’\u00e0 l’\u00e9ch\u00e9ance de votre contrat.<\/h3> \n \n

Les taux sont pr\u00e9d\u00e9termin\u00e9s au moment de racheter votre cr\u00e9dit en cours par la souscription \u00e0 un nouvel emprunt. Parce qu’ils restent invariables au cours de la dur\u00e9e de votre cr\u00e9dit, ils sont avantageux lorsque les taux du march\u00e9 sont bas.<\/p> \n \n

Un taux fixe offre ainsi une plus grande s\u00e9curit\u00e9 aux emprunteurs. Ne pensez pas cependant qu’il vous sera toujours profitable. Sachez que si votre taux d’int\u00e9r\u00eat fixe \u00e9lev\u00e9 au d\u00e9part, il demeurera inchang\u00e9 m\u00eame si une baisse des taux intervient pendant la dur\u00e9e de remboursement de votre emprunt.<\/p> \n \n

Bon \u00e0 savoir avant de choisir un taux rachat cr\u00e9dit<\/h2> \n \n

Quel que soit le type de cr\u00e9dit en cours. Vous devez savoir que le type de taux d’int\u00e9r\u00eat que vous choisissez a une incidence sur le co\u00fbt final de l’op\u00e9ration.<\/p> \n \n

C’est pour cette raison que certaines pr\u00e9cautions prises afin de b\u00e9n\u00e9ficier des meilleures conditions possibles pour votre nouveau pr\u00eat. Que ce soit la banque nationale de belgique<\/a> ou tout autre organisme de cr\u00e9dit belge que vous voulez contacter, sachez que l’autorit\u00e9 de surveillance (le SPF Economie) impose des r\u00e8gles \u00e0 respecter.<\/p> \n \n

A c\u00f4t\u00e9 du taux fixe ou variable indiqu\u00e9 obligatoirement dans le contrat, d’autres informations relatives aux frais, comme l’indemnit\u00e9 de r\u00e9emploi, doivent obligatoirement figurer dans les mentions l\u00e9gales.<\/p> \n \n

Simulez un rachat de pr\u00eat<\/a><\/p> \n","protected":false},"excerpt":{"rendered":"

Secure the best loan refinancing rate and reduce monthly payments\u2014click now for maximum savings!<\/p>\n","protected":false},"author":22,"featured_media":5635,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"loan refinancing rate","_yoast_wpseo_title":"Loan Refinancing Rate: Lower Your Payments Today","_yoast_wpseo_metadesc":"Take advantage of a low loan refinancing rate and save big on monthly payments\u2014click to find out how!","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"https:\/\/www.credafin.be\/en\/credit-consolidation\/loan-refinancing-rate","_yoast_wpseo_focuskw_text":"loan refinancing rate","_yoast_wpseo_schema":"Article","footnotes":""},"categories":[73],"tags":[],"class_list":["post-6815","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-consolidation"],"yoast_head":"\nLoan 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