{"id":1893,"date":"2016-07-21T16:19:04","date_gmt":"2016-07-21T16:19:04","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=1893"},"modified":"2023-08-17T06:19:28","modified_gmt":"2023-08-17T06:19:28","slug":"mortgage-renegotiation","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/en\/mortgage-renegotiation\/","title":{"rendered":"Real estate investment, situation in 2021"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.19.5″ _module_preset=”default” background_enable_mask_style=”on” background_mask_style=”wave” background_mask_color=”rgba(0,0,0,0.08)” custom_padding=”||6px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_circle_counter title=” Estimated reading time (in minutes)” number=”2″ percent_sign=”off” _builder_version=”4.21.0″ _module_preset=”default” title_font=”Amiri||||||||” max_width=”137px” global_colors_info=”{}”][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][et_pb_image src=”https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2023\/06\/pexels-jessica-bryant-1370704.jpg” title_text=”pexels-jessica-bryant-1370704″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.21.0″ text_font=”Amiri||||||||” header_2_font=”Amiri||||||||” header_3_font=”Amiri||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

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Mortgage renegotiation The year 2021 is a good year to get started in\u00a0<\/span>real estate investment<\/span><\/a>\u00a0.\u00a0But if several criteria push individuals to invest in the sector, the historically low level of the credit rate also makes it possible to renegotiate its mortgage.<\/span><\/p>\n

Seize the Opportunity: Real Estate Investing in 2021<\/span><\/h2>\n

Historically low rates: take advantage of this opportunity<\/span><\/p>\n

Since January of this year, mortgage rates applied to credit institutions have been constantly revised downwards.\u00a0Indeed, during the first 5 months, mortgage rates fell by 0.05 and 0.10% respectively, for loans with a duration of 15 years and 20 years.\u00a0For real estate loans with a duration of 25 years, a drop of 0.15% was observed between April and June 2016, to stabilize at 2.05%.<\/span><\/p>\n

In order for this historically low rate to benefit them, borrowers can request a loan buy-back from a competing establishment.\u00a0However, before considering it, it is recommended to do a credit simulation with a credit broker.\u00a0In this way, the individual will be able to take full advantage of this low mortgage rate.\u00a0Indeed, insofar as no increase is currently envisaged, the repurchase of credit allows the individual to achieve an overall saving of 38, 58 or 70 euros per monthly payment, for a respective loan duration of 15, 20 or 25 years. .\u00a0.<\/span><\/p>\n

The level of household debt has also been revised downwards.\u00a0Indeed, if in February, the level of household debt was 17.6 years, it rose to 16.6 years in March.\u00a0However, despite this downward trend, the number of loans granted by credit institutions has also fallen sharply.\u00a0Indeed, between 2015 and 2016, the number of loans granted to individuals fell by 32.2%.<\/span><\/p>\n

Good advice for successfully renegotiating your mortgage.<\/span><\/p>\n

Of course, renegotiating your mortgage with your credit agency is not a foregone conclusion.\u00a0In addition, unless you are a privileged customer, it is rare for the credit agency to grant a new mortgage at a lower rate.\u00a0Faced with this explicit reluctance of credit institutions, the first option will be to use a credit comparator, which will allow you to choose from which establishment, the repurchase of credit will be the most advantageous.<\/span><\/p>\n

Freeing Up Savings: Renegotiating Your Mortgage in a Low Rate Environment<\/span><\/h2>\n

Of course, the costs associated with the repurchase of credit are high.\u00a0In addition, the change of credit institution leads to the opening of a new account, to which fees are attached.\u00a0In this case, it is important for the borrower to highlight the advantages offered at the level of the competition.\u00a0Thus, to put all the assets on his side, it is important that the individual takes care of his borrower profile.\u00a0<\/span>For this, the renegotiation file must be put together with the greatest care, using a mortgage broker and a lawyer if necessary.<\/span><\/p>\n

In addition, it is important to specify that if your credit agency tries to block you to prevent you from going to the contest, it can be very interesting to consult a lawyer to see if there is not a mistake.\u00a0on the overall effective rate of your credit.\u00a0For more details, you can consult our previous news on this subject.<\/span><\/p>\n

DAMY Law Firm<\/span><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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Mortgage renegotiation The year 2021 is a good year to get started in\u00a0real estate investment\u00a0.\u00a0But if several criteria push individuals to invest in the sector, the historically low level of the credit rate also makes it possible to renegotiate its mortgage. Seize the Opportunity: Real Estate Investing in 2021 Historically low rates: take advantage of […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[332],"tags":[],"class_list":["post-1893","post","type-post","status-publish","format-standard","hentry","category-banking-law"],"yoast_head":"\nReal estate investment, situation in 2021 - Soci\u00e9t\u00e9 d'avocats Damy<\/title>\n<meta name=\"description\" content=\"mortgage renegotiation the year 2021 is a good year to get started in real estate investment. 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