{"id":6925,"date":"2021-08-14T09:51:52","date_gmt":"2021-08-14T07:51:52","guid":{"rendered":"https:\/\/natureetresidencevillage.com\/?p=6925"},"modified":"2026-02-10T12:33:27","modified_gmt":"2026-02-10T11:33:27","slug":"covid-19-et-allegement-hypothecaire-en-france","status":"publish","type":"post","link":"https:\/\/natureetresidencevillage.com\/en\/blog\/credit\/covid-19-et-allegement-hypothecaire-en-france\/","title":{"rendered":"Covid-19 et all\u00e9gement hypoth\u00e9caire en France"},"content":{"rendered":"

Face \u00e0 la pand\u00e9mie, il est possible d’obtenir<\/strong> of l’aide<\/strong> en all\u00e8gement des remboursements hypoth\u00e9caires,<\/strong> mais \u00e0 un co\u00fbt. Bien que dans plusieurs autres pays europ\u00e9ens, les propri\u00e9taires aient obtenu un \u00ab cong\u00e9 hypoth\u00e9caire \u00bb, ce n’est pas le cas en France.<\/p>\n

L’association des courtiers (Association Professionnelle des Interm\u00e9diaires en Cr\u00e9dits – APIC)<\/a> a demand\u00e9 au gouvernement que les cr\u00e9anciers hypoth\u00e9caires<\/strong> en difficult\u00e9 b\u00e9n\u00e9ficient d’un cong\u00e9<\/strong> de six mois, mais la F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF) a d\u00e9clar\u00e9 qu’il n’y avait pas de discussions<\/strong> en cours sur de nouvelles mesures.<\/p>\n

\"Covid-19<\/p>\n

Le gouvernement fran\u00e7ais n’a pas fait conna\u00eetre publiquement<\/strong> son point de vue sur le sujet, mais la Bank<\/strong> of France<\/strong> a d\u00e9clar\u00e9 qu’il n’y a pas besoin d’aider<\/strong> at refund<\/strong> des pr\u00eats immobiliers en raison des mesures de soutien du revenu qui ont \u00e9t\u00e9 mises en place.<\/p>\n

N\u00e9anmoins, pour ceux qui font face \u00e0 une decrease<\/strong> of their income,<\/strong> m\u00eame en vertu des r\u00e8gles existantes, il est possible de n\u00e9gocier<\/strong> a reduction<\/strong> du montant mensuel ou une suspension des versements hypoth\u00e9caires. Plus rarement, vous pourrez \u00e9galement refinancer<\/strong> your ready<\/strong> aupr\u00e8s d’un autre pr\u00eateur. Les banques signalent qu’elles traitent des milliers de demandes d’all\u00e8gement.<\/p>\n

R\u00e9duire les paiements mensuels<\/h2>\n

La plupart des contrats de cr\u00e9dit immobilier permettent aux emprunteurs de reduce<\/strong> their remboursements<\/strong> (moduler ses \u00e9ch\u00e9ances) de 10 % \u00e0 30 % par mois, selon les modalit\u00e9s du contrat.<\/p>\n

Cependant, cette clause standard ne peut \u00eatre activ\u00e9e qu’apr\u00e8s avoir pay\u00e9 l’hypoth\u00e8que<\/strong> depuis au moins un an, le plus souvent deux ans. Ainsi, si vous n’avez contract\u00e9 un pr\u00eat que r\u00e9cemment, vous ne serez pas \u00e9ligible.<\/p>\n

En outre, la dur\u00e9e du pr\u00eat hypoth\u00e9caire ne peut normalement pas \u00eatre prolong\u00e9e<\/strong> de plus de deux ans, qui peut \u00eatre port\u00e9e \u00e0 cinq ans \u00e0 condition que la dur\u00e9e du pr\u00eat ne d\u00e9passe pas 25 ans.<\/p>\n

Vous devrez continuer \u00e0 maintenir<\/strong> vos versements d’assurance pr\u00eat hypoth\u00e9caire,<\/strong> qui devront bien entendu \u00eatre prolong\u00e9s pour couvrir l’allongement<\/strong> de la dur\u00e9e du pr\u00eat.<\/p>\n

Suspendre les versements hypoth\u00e9caires<\/h2>\n

The contrats hypoth\u00e9caires<\/strong> sont moins g\u00e9n\u00e9reux en ce qui concerne le droit de suspendre<\/strong> vos monthly payments.<\/strong> Si elle est incluse, une telle disposition est appel\u00e9e suspension d’\u00e9ch\u00e9ance ou rapport d’\u00e9ch\u00e9ance.<\/p>\n

N\u00e9anmoins, qu’il existe ou non une disposition, tous les pr\u00eateurs adoptent<\/strong> a approche pragmatique<\/strong> des difficult\u00e9s rencontr\u00e9es par leurs emprunteurs, particuli\u00e8rement en cette p\u00e9riode. La priorit\u00e9 absolue de la banque sera toujours d’essayer de maintenir la continuit\u00e9 des paiements, plut\u00f4t que de devoir resort<\/strong> to proc\u00e9dures judiciaires.<\/strong><\/p>\n

En r\u00e8gle g\u00e9n\u00e9rale, la suspension<\/strong> of the paiements<\/strong> est normalement limit\u00e9e \u00e0 un an au maximum, le plus souvent \u00e0 quelques mois seulement.<\/p>\n

Encore une fois, \u00e0 proprement parler, vous ne serez \u00e9ligible<\/strong> qu’\u00e0 condition d’avoir effectu\u00e9 des remboursements hypoth\u00e9caires<\/strong> depuis au moins un an, parfois deux ans.<\/p>\n

Dans certains cas, la banque peut seulement \u00eatre dispos\u00e9e \u00e0 suspendre<\/strong> the payment<\/strong> of capital<\/strong> (rapport d’\u00e9ch\u00e9ance partielle), vous laissant continuer \u00e0 maintenir<\/strong> the payment<\/strong> of the interests.<\/strong><\/p>\n

Il n’est pas non plus possible, encore une fois, de suspendre<\/strong> the versements<\/strong> of l’assurance pr\u00eat immobilier,<\/strong> qui devra \u00eatre prolong\u00e9e ; le report des remboursements ne signifie pas que le cr\u00e9dit est interrompu, vous devez donc \u00eatre prot\u00e9g\u00e9<\/strong> en attendant car la somme emprunt\u00e9e<\/strong> is toujours due.<\/strong><\/p>\n

Inutile de dire que la suspension de vos paiements augmentera vos co\u00fbts, en raison de l’augmentation<\/strong> of the interests<\/strong> li\u00e9s \u00e0 la prolongation du pr\u00eat. Bien que ces derni\u00e8res ann\u00e9es les taux d’int\u00e9r\u00eat aient \u00e9t\u00e9 bas, ces co\u00fbts accrus<\/strong> peuvent \u00eatre tr\u00e8s importants, atteignant des centaines, voire des milliers d’euros. Plus t\u00f4t dans la phase de remboursement,<\/strong> plus le co\u00fbt est \u00e9lev\u00e9, en raison du niveau d’int\u00e9r\u00eat plus \u00e9lev\u00e9 lorsque le principal impay\u00e9<\/strong> is the plus \u00e9lev\u00e9.<\/strong><\/p>\n

Il est \u00e9galement possible que la banque impose des frais administratifs pour la suspension des paiements, bien que ce ne soit normalement pas le cas pour une r\u00e9duction des paiements.<\/p>\n

Difficult\u00e9s de remboursement d\u2019un cr\u00e9dit immobilier<\/h2>\n

Si vous rencontrez des difficult\u00e9s avec vos remboursements<\/strong>\u00a0hypoth\u00e9caires,<\/strong> la plupart des pr\u00eateurs seront normalement pr\u00eats \u00e0 n\u00e9gocier un plan de remboursement<\/strong> avec vous.<\/p>\n

En effet, en cas d’\u00e9v\u00e9nement catastrophique dans la famille (d\u00e9c\u00e8s, perte d’emploi) ils y sont oblig\u00e9s par la loi. Si la situation est grave et que vous faites face \u00e0 une \u00e9ventuelle bankruptcy,<\/strong> vous pouvez solliciter l’assistance<\/strong> de la Commission d\u00e9partementale de surendettement qui agira en votre nom dans les discussions avec le pr\u00eateur. Cet organisme<\/strong> fait partie de la Bank<\/strong> of France.<\/strong><\/p>\n

Si n\u00e9cessaire, ils entameront des proc\u00e9dures judiciaires<\/strong> for ask<\/strong> a all\u00e9gement<\/strong> of the paiements<\/strong> ou arr\u00eateront toute action du pr\u00eateur visant \u00e0 obtenir la possession l\u00e9gale de la propri\u00e9t\u00e9. Ils peuvent \u00e9galement insister pour que vous vendiez<\/strong> the property,<\/strong> mais seulement si vous avez un autre logement convenable<\/strong> dans lequel vous pourriez d\u00e9m\u00e9nager ou acheter.<\/p>\n

Il existe une Commission<\/strong> dans chaque d\u00e9partement du pays, dont vous pouvez obtenir<\/strong> the coordonn\u00e9es<\/strong> aupr\u00e8s de votre pr\u00e9fecture.<\/p>","protected":false},"excerpt":{"rendered":"

Face \u00e0 la pand\u00e9mie, il est possible d’obtenir de l’aide en all\u00e8gement des remboursements hypoth\u00e9caires, mais \u00e0 un co\u00fbt. Bien que dans plusieurs autres pays europ\u00e9ens, les propri\u00e9taires aient obtenu un \u00ab cong\u00e9 hypoth\u00e9caire \u00bb, ce n’est pas le cas en France.<\/p>","protected":false},"author":6,"featured_media":6990,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[308],"class_list":["post-6925","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-allegement-hypothecaire"],"acf":[],"yoast_head":"\nL'all\u00e8gement hypoth\u00e9caire en France suite \u00e0 la crise sanitaire<\/title>\n<meta name=\"description\" content=\"La crise sanitaire, a eu de nombreuses r\u00e9percussions, l'une d'elles est l'all\u00e8gement hypoth\u00e9caire en France, on vous explique pourquoi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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