贷款回购就是找一家新银行接手你现在已有的贷款。
     
      我已有的贷款是2011年底申请的,随着法国经济的持续走低,到了2012年11月,各个银行的贷款利率都降了,于是决定约几家银行试试谈贷款回购rachat crédit。

需要的条件和材料(跟初次申请银行贷款相同)
贷款回购需要的条件跟初次申请贷款基本相同。总的来说,要求每月的还款额不得超过家庭总收入的三分之一。另外,还要考虑你目前的经济负担(比如养育几个孩子 ;是否需要向他人支付抚养费 ;是否身背其他贷款… …)

自我需求分析:
我目前的贷款还剩余(不含利息)134 535欧的商业贷款未偿还;23 959欧的政府零利率贷款taux 0未偿还, 合计:158 494欧,这是我欠的所有外债总额。
其中,政府零利率贷款我希望不动。另外,我还可以提前还款3万欧。也就是说我需要跟新银行谈借款104535欧(158494欧-23959欧-30000欧)
不过还要考虑到,终止以前的贷款合同需要支付6个月的利息约2600欧作为罚金;再次支付一次抵押手续费frais hypotheque 2464欧;新银行收取的材料费frais dossier 1000欧。
因此,我需要的贷款额为109599,约11万欧(104535+2600+2464+1000)。

我的期望:
•    降低商业贷款利率,减少购房总成本。我目前的贷款利率为3.9%/年,共25年;
•   希望能把零利率taux 0部分也转到新的银行,这样就跟以前的贷款银行credit du nord没关系了。可以节省以前银行每月收取的账户管理费。(需要以前的银行同意才行,否则新银行必须把这部分钱按照正常利率买过来);
•   顺便额外多还3万欧(只交纳一次2600欧修改合同的罚金);
•   在新的银行希望不被迫办理银行卡carte bancaire,希望能够不收账户管理费frais tenu de compte;
•   办理新贷款的材料费frais dossier希望不要超过500欧。

行    动:
第一家:我目前的贷款银行Credit du Nord。我提出重新商谈贷款利率,结果对方直接拒绝了。
第二家:BNP Paribas personale finance 。回复说只做初次贷款业务,不做贷款回购rachat credit这项业务
第三家:La banque postale 。虽然我是这家银行的老客户,但因为有2011年第一次申请贷款时连材料都不被接收的不快经历,所以不想再找我的账户负责人了,而是直接打服务电话3639约的。
2012年11月29日 Mme Hélène DOHR (Conseiller spécialise en immobilier )
                         24 rue de longchamp 92200 neuilly sur seine
                         Tel :01 41 43 07 22 Fax :01 41 43 07 25
她给了两个方案:
方案一(不借零利率部分):利息3.4%,17年,月供949.97欧(含保险),另外零利率月供82欧,合计月供1031.97。总成本52356.88欧(包含利息,保险,材料费frais dossier
方案二(借零利率部分):利息3.4%,17年,月供1111.53欧(含保险)。总成本61092.12欧(包含利息,保险,材料费frais dossier )
其他条件,如果想提前还款的话,3年前不接受提前还款申请;3年后每年允许提前还700-2500欧,没有手续费;7年后无任何限制条件,无手续费。
这家银行的建议是,除非能够把政府零利率贷款TAUX 0保留在原银行,否则不划算。
第四家:Boursorama。这是一家没有实体门店的网上银行。他们要求先在其网站上做一个申请模拟similation。我在线填好了自己的各项信息后就石沉大海,杳无音信了。
第五家:Caisse d’Epargne 。2011年初次申请贷款时这家银行的态度不错,但当我试着再联系当时的接待人员时对方不回电话,所以我换到了位于巴黎歌剧院opera附近的一家门店agence问的。
2012年12月4日周二 10点30 Mme Marie-Helene VINCENTI(Directeur Adjoint d’Agence)
                                       16,rue Halevy 75009 Paris
                                       Tel :01 71 39 13 55  FAX : 01 40 22 97 49
对这位女士印象非常好,她不会强拉你在她们门店开户。
她们银行给的条件是 15年3.2%;
                              16年3.5%。月供916.35欧
她给我的最终建议是不要做贷款回购rachat credit,就利用现在银行的政策每年都提高月供 mensuelle 挺好的(现在的银行每年可以免费提高一次月供)。
第六家:crédit mutuel 给的利率taux比我现在的还要高。

综合分析:
•    la banque postale给的利率最低。
•    不换银行而留在以前银行的话,还剩17年,总贷款成本为56711.75(贷款利息54662.15欧+政府零利率贷款的保险1641.60+银行服务费408)
•    如果原来的银行不同意保留政府零利率贷款taux 0,则需要多花近9000欧
•    如果有幸,原来的银行同意保留政府零利率贷款taux 0,则可以节省4354.87欧。节省的不多,但是好处有1,利率从浮动利率(每年银行根据市场情况调节)变为了固定利率,长期来看,可以不受加息的困扰;2,摆脱了Credit du Nord银行。1年多来跟这家银行各种问题层出不穷,很是累心; 3,贷款利息降了一点。

最终决定:
最终我决定不换银行,而是申请提高每个月的月供额了。
 

5年来法国住房贷款利率与10年期国债利率走势对比


后记:
1年多以后(2014年5月),提前还款10万。
2年多以后(2015年7月),因为贷款银行Credit du Nord的账户管理费涨了100%(以前总计管理费408欧,涨价后我要支付816欧)。于是我把剩余的2万多欧政府零利率贷款也全部还清,并迅速关闭了账户。零利率贷款虽然没有利息,可是需要买保险的。一年下来保险费和账户管理费也不少钱呢!

我们的自住房:
虽然这次贷款回购Rachat Credit没有谈成,但积累的经验很有用。时隔2年后的2015年,我们将自住房的贷款年息从以前的3.5%谈到了2.5%。
随着经济的继续走低,利息也在不断降低。2016年7月,我们再次申请重谈利率,但遗憾的是被拒绝了。

注:文中提及的房屋贷款利率均未包含保险。
      截止到今天2016年8月,市场参考住房贷款利率15年为1.22%;20年为1.45%;25年为1.81%。

本文由巴黎宝石花原创,欢迎分享此文,转载请保留出处!

 

推荐阅读:
在法国当房东之—房租收入申报
房租收入要交多少税?
什么是immeuble vacant

评论  

0 #234 Luisa 2018-06-19 12:25
Normally I don't read post on blogs, but I would like to say that this write-up very forced me to try and do it!
Your writing style has been surprised me. Thanks, very great post.


Look at my blog post - pandora
rings: http://www.pandora--rings.co.uk/
引用
0 #233 Alan 2018-06-03 04:44
I’m not that much of a internet reader to be honest but your sites
really nice, keep it up! I'll go ahead and bookmark your website to come
back in the future. Many thanks

Here is my web site - pandora charms 25: https://www.Freeshippingluxurygoods.com/pandora-disney-heart-of-mickey.html
引用
0 #232 Cecilia 2018-06-03 04:30
At this time it appears like Wordpress is the
top blogging platform available right now. (from what I've read) Is that
what you're using on your blog?

Look into my web page ... brazil butt lift master [Likebodybuilding.com: https://Likebodybuilding.com/]
引用
0 #231 Katherine 2018-06-03 02:01
Hey! I realize this is somewhat off-topic however
I needed to ask. Does operating a well-established
blog like yours take a large amount of work? I'm completely new
to writing a blog however I do write in my journal daily.
I'd like to start a blog so I can easily share my experience and thoughts online.
Please let me know if you have any ideas or tips for new aspiring bloggers.

Thankyou!

my web blog: Low
Impact: https://www.loveoutdoorsporting.com/
引用
0 #230 Eugenio 2018-06-03 00:56
Hi there, I believe your blog might be having browser compatibility problems.

When I look at your site in Safari, it looks fine however when opening in IE, it's got some overlapping issues.

I merely wanted to provide you with a quick heads up! Other than that, fantastic website!


Here is my web-site: grandma pandora charm: http://cort.as/-5jsh
引用
0 #229 Brian 2018-06-02 23:59
Incredible! This blog looks exactly like my old one!

It's on a entirely different subject but it
has pretty much the same layout and design. Wonderful choice of
colors!

Also visit my web blog; Types Of meditation: http://Www.Pnfpartners.com/?document_srl=3239
引用
0 #228 Hector 2018-06-02 22:44
Saved as a favorite, I love your web site!

My blog - body
Of christ gospel assembly: https://www.likebodybuilding.com/triple-threat-running-dvd-on-sale.html
引用
0 #227 Frederic 2018-06-02 20:38
This post is really a nice one it helps new internet people, who are wishing for blogging.


Check out my web page; pandora charm courage: https://Www.loveluxurygoods.com/pandora-zodiac-charms-gemini-sterling-silver.html
引用
0 #226 Gladys 2018-06-02 20:08
Thank you for another excellent post. The place else may just anyone get that type of info in such an ideal method of writing?
I have a presentation next week, and I am on the search for such information.

Here is my web site pandora charms: https://loveluxurygoods.com/pandora-frog-prince-charms.html
引用
0 #225 Octavia 2018-06-02 19:33
You really make it seem so easy together with your presentation however I in finding this matter to be really one thing which
I think I'd by no means understand. It seems too complicated and extremely extensive for me.
I'm looking ahead for your subsequent submit, I'll try to get the hang of it!


Stop by my blog post - gibson melody maker RIPT90 FIT
(https://Www.likebodybuilding.com: https://www.likebodybuilding.com/ript90-fit-dvd-on-sale.html)
引用
0 #224 Rosa 2018-06-02 18:51
Can I simply just say what a relief to discover an individual who really understands what
they are discussing on the web. You actually know how to
bring a problem to light and make it important.
A lot more people ought to check this out and understand this side of the story.
I can't believe you're not more popular since you certainly have the gift.


My web page - improve posture with Yoga: https://loveoutdoorsporting.com/3-week-yoga-retreat-workout-program-dvds-learn-yoga-at-home-in-21-days.html
引用
0 #223 Reva 2018-06-02 16:35
Just wish to say your article is as astonishing. The clearness in your post is simply cool
and i can assume you're an expert on this subject.

Well with your permission let me to grab your feed to keep up
to date with forthcoming post. Thanks a million and please keep up
the gratifying work.

My homepage :: where Is pandora jewelry Sold: https://Freeshippingluxurygoods.com/pandora-champagne-single-braided-leather-bracelet.html
引用
0 #222 Garry 2018-06-02 16:21
Great post. I'm going through many of these issues as well..


My web-site ... where
can i Buy pandora beads: http://www.cheapladyluxury.com/pandora-murano-glass-beads-red-heart.html
引用
0 #221 Erica 2018-06-02 15:28
continuously i used to read smaller articles or reviews which also clear their motive, and that is also happening with this post which I
am reading here.

Feel free to surf to my page; Pandora Vintage Elegance Necklace: https://Www.freeshippingluxurygoods.com/pandora-forget-me-not-ring.html
引用
0 #220 Christina 2018-06-02 11:17
Hi, I do believe this is a great blog. I stumbledupon it
;) I will revisit yet again since I book marked it.
Money and freedom is the greatest way to change, may you be rich and continue to help
other people.

Also visit my site ... yoga for Stress reduction: http://Home.Loqal.no/~kennelp/arntgj/arntgj.php
引用
0 #219 King 2018-06-02 10:53
Hello there! Do you use Twitter? I'd like to follow you
if that would be ok. I'm undoubtedly enjoying your blog and look
forward to new updates.

Also visit my blog - hanging stud earrings: https://Cheapestluxurygoods.com/
引用

提交评论