![\"credit-immobilier\"](\"https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2021\/10\/credit-immobilier-1024x668.jpg\")
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Is repaying a mortgage early feasible? And what are the steps to follow in order to carry out this action? Here's everything you need to know about early repayment.<\/strong><\/p>\n <\/p>\n For the majority of buyers, the real estate loan<\/strong> remains the only option to accomplish a real estate project.<\/strong> As for the maturity date, it is often estimated between 10 to 25 years. However, it is possible that some borrowers have the budget<\/strong> necessary, before this deadline<\/strong> does not come to an end. This can be explained by the resale<\/strong> of their possession,<\/strong> an inheritance or the redemption of their credit.<\/p>\n So, these people want repay<\/strong> their loan,<\/strong> in a way anticipated,<\/strong> in order to detach<\/strong> of this commitment,<\/strong> as quickly as possible.<\/p>\n But is it possible to make a premature repayment of a real estate loan<\/strong>\u00a0? And what are the steps to follow to carry out this action? Here's everything you need to know about early repayment.<\/p>\n Is it possible to make a prepayment<\/strong>\u00a0? According to the Consumer Code, the borrower can, at any time, repay<\/strong> his loan,<\/strong> partially or completely, before the due date.<\/strong> However, you must refer to the contract<\/strong> of loan,<\/strong> because it is possible that the latter will not authorize a reimbursement of less than 10% of the amount lent,<\/strong> or up to this 10%.<\/p>\n However, if the amount matches the balance owed, then there should be an exception.<\/p>\n The steps to follow to make an early repayment of a property loan<\/strong><\/p>\n In order to carry out the prepayment,<\/strong> first we must, contact<\/strong> with the credit<\/strong> in order to inform him of your initiative. In this type of situation, it is preferable to make a request<\/strong> by writing.<\/strong> For his part, the creditor will detail the amount due for early repayment. For information, this estimate is completely free if the contract<\/strong> of ready<\/strong> was signed after July 2016.<\/p>\n Penalties incurred when repaying a property loan before the term<\/strong><\/p>\n Generally, the refund<\/strong> anticipated accompanies<\/strong> of a penalty,<\/strong> unless the contract<\/strong> of ready<\/strong> does not mention any of them. These penalties are, however, regulated by the Consumer Code, and they are subject to a cap. In the case of a ready<\/strong> has fixed rate<\/strong> and to floating rate,<\/strong> the penalties<\/strong> must not exceed: \u2013 The equivalent of 6 months of interest on the remaining amount to be repaid. \u2013 3% of the capital due before premature repayment. However, it is possible to notice an increase in compensating interest. For information, the acquittal<\/strong> of these penalties<\/strong> maybe canceled,<\/strong> in the event that the borrower, or his spouse, dies. These penalties<\/strong> can also be avoided<\/strong> if the borrower suffers a cessation of professional activity.<\/strong><\/p>\n <\/p>","protected":false},"excerpt":{"rendered":" Is repaying a mortgage early feasible? And what are the steps to follow in order to carry out this action? Here's everything you need to know about early repayment.<\/p>","protected":false},"author":6,"featured_media":7775,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[358],"class_list":["post-7627","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-remboursement-anticipe"],"acf":[],"yoast_head":"\n