{"id":15494,"date":"2017-04-13T14:45:00","date_gmt":"2017-04-13T12:45:00","guid":{"rendered":"https:\/\/acc.creditexpo.be\/\/fr\/?post_type=creditex_nieuws&#038;p=15494"},"modified":"2017-06-06T11:24:37","modified_gmt":"2017-06-06T09:24:37","slug":"comparer-les-credits-logement-devient-plus-facile","status":"publish","type":"post","link":"https:\/\/acc.creditexpo.be\/fr\/comparer-les-credits-logement-devient-plus-facile\/","title":{"rendered":"Comparer les cr\u00e9dits-logement devient plus facile"},"content":{"rendered":"<p><span class=\"intro\">La nouvelle l\u00e9gislation en mati\u00e8re de cr\u00e9dit hypoth\u00e9caire est entr\u00e9e en vigueur le 1er avril dernier. <\/span><\/p>\n<p>Dor\u00e9navant, il sera plus simple de comparer les cr\u00e9dits-logement gr\u00e2ce \u00e0 une fiche d\u2019information standardis\u00e9e reprenant toutes les conditions convenues. Cette transparence devrait d\u00e9sormais pr\u00e9valoir dans toute l\u2019Europe.<\/p>\n<p><strong>Qu\u2019implique la nouvelle loi ?<\/strong><\/p>\n<p>Il n\u2019est pas toujours \u00e9vident de comparer les cr\u00e9dits-logement. La nouvelle l\u00e9gislation vise \u00e0 permettre que le preneur de cr\u00e9dit soit inform\u00e9 aussi compl\u00e8tement que possible, plus pr\u00e9cis\u00e9ment via la Fiche d\u2019information standardis\u00e9e europ\u00e9enne (FISE) qui reprend notamment le taux annuel effectif global (TAEG). L\u2019accent est ainsi mis sur la transparence, la clart\u00e9 et l\u2019uniformit\u00e9.<\/p>\n<p><strong>Quels sont les changements ?<\/strong><\/p>\n<p>Fiche d\u2019information standardis\u00e9e europ\u00e9enne<\/p>\n<p>Depuis samedi dernier, toutes les banques sont tenues de soumettre aux personnes qui veulent contracter un cr\u00e9dit-logement une Fiche d\u2019information standardis\u00e9e europ\u00e9enne. Dans ce document, on retrouve, outre toutes les conditions (le montant emprunt\u00e9, le d\u00e9lai de remboursement, \u2026), tous les co\u00fbts li\u00e9s au cr\u00e9dit hypoth\u00e9caire. Tous les co\u00fbts sont repris dans un taux annuel effectif global (TAEG). Ces informations permettent au consommateur de comparer plus ais\u00e9ment diff\u00e9rents cr\u00e9dits-logement.<\/p>\n<p><strong>Taux annuel effectif global<\/strong><\/p>\n<p>Les co\u00fbts attach\u00e9s au cr\u00e9dit hypoth\u00e9caire sont d\u00e9sormais repris dans un taux annuel effectif global, tout comme pour les cr\u00e9dits \u00e0 la consommation. Le TAEG ne reprend pas seulement le taux d\u2019int\u00e9r\u00eat proprement dit, mais aussi tous les co\u00fbts associ\u00e9s au cr\u00e9dit (par ex. les co\u00fbts d\u2019assurance, les frais d\u2019\u00e9tablissement de l\u2019hypoth\u00e8que, les frais de dossier, \u2026). Tous les pr\u00eateurs calculent le pourcentage exactement de la m\u00eame mani\u00e8re, mais de fa\u00e7on malgr\u00e9 tout personnalis\u00e9e : \u00e0 la mesure du consommateur et du cr\u00e9dit demand\u00e9.<\/p>\n<p><strong>Qu\u2019en est-il des demandes de cr\u00e9dit en cours ?<\/strong><\/p>\n<p>Les obligations valent pour toutes les demandes de cr\u00e9dit introduites \u00e0 partir du 1er avril. Les demandes de cr\u00e9dit en cours peuvent toujours \u00eatre trait\u00e9es conform\u00e9ment aux anciennes r\u00e8gles \u00e0 la condition que l\u2019acte notari\u00e9 soit sign\u00e9 avant le 1er juillet.<\/p>\n<p>Source: <strong><a href=\"https:\/\/www.febelfin.be\/fr\" target=\"_blank\">Febelfin<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La nouvelle l\u00e9gislation en mati\u00e8re de cr\u00e9dit hypoth\u00e9caire est entr\u00e9e en vigueur le 1er avril dernier. Dor\u00e9navant, il sera plus simple de comparer les cr\u00e9dits-logement gr\u00e2ce \u00e0 une fiche d\u2019information standardis\u00e9e reprenant toutes les conditions convenues. Cette transparence devrait d\u00e9sormais pr\u00e9valoir dans toute l\u2019Europe. Qu\u2019implique la nouvelle loi ? Il n\u2019est pas toujours \u00e9vident de [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":12121,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post--15494","post","post--type-post","post--status-publish","post--format-standard","post--has-post-thumbnail","post--hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comparer les cr\u00e9dits-logement devient plus facile - Credit Expo Belgi\u00eb<\/title>\n<meta name=\"description\" content=\"La nouvelle l\u00e9gislation en mati\u00e8re de cr\u00e9dit hypoth\u00e9caire est entr\u00e9e en vigueur le 1er avril dernier.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comparer les cr\u00e9dits-logement devient plus facile - Credit Expo Belgi\u00eb\" \/>\n<meta property=\"og:description\" content=\"La nouvelle l\u00e9gislation en mati\u00e8re de cr\u00e9dit hypoth\u00e9caire est entr\u00e9e en vigueur le 1er avril dernier.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/\" \/>\n<meta property=\"og:site_name\" content=\"Credit Expo Belgi\u00eb\" \/>\n<meta property=\"article:published_time\" content=\"2017-04-13T12:45:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-06-06T09:24:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/acc.creditexpo.be\/\/wp-content\/uploads\/2015\/03\/huizen_huis_huizenmarkt_hypotheek-960x630.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Serge van Groningen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Credit_Expo_BE\" \/>\n<meta name=\"twitter:site\" content=\"@Credit_Expo_BE\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Serge van Groningen\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/\"},\"author\":{\"name\":\"Serge van Groningen\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/#\\\/schema\\\/person\\\/166c6c471a30e12ff7a1cdcc7f4d13d6\"},\"headline\":\"Comparer les cr\u00e9dits-logement devient plus facile\",\"datePublished\":\"2017-04-13T12:45:00+00:00\",\"dateModified\":\"2017-06-06T09:24:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/\"},\"wordCount\":390,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/acc.creditexpo.be\\\/wp-content\\\/uploads\\\/2015\\\/03\\\/huizen_huis_huizenmarkt_hypotheek.jpg\",\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/\",\"url\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/\",\"name\":\"Comparer les cr\u00e9dits-logement devient plus facile - Credit Expo Belgi\u00eb\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/acc.creditexpo.be\\\/wp-content\\\/uploads\\\/2015\\\/03\\\/huizen_huis_huizenmarkt_hypotheek.jpg\",\"datePublished\":\"2017-04-13T12:45:00+00:00\",\"dateModified\":\"2017-06-06T09:24:37+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/#\\\/schema\\\/person\\\/166c6c471a30e12ff7a1cdcc7f4d13d6\"},\"description\":\"La nouvelle l\u00e9gislation en mati\u00e8re de cr\u00e9dit hypoth\u00e9caire est entr\u00e9e en vigueur le 1er avril dernier.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/#primaryimage\",\"url\":\"https:\\\/\\\/acc.creditexpo.be\\\/wp-content\\\/uploads\\\/2015\\\/03\\\/huizen_huis_huizenmarkt_hypotheek.jpg\",\"contentUrl\":\"https:\\\/\\\/acc.creditexpo.be\\\/wp-content\\\/uploads\\\/2015\\\/03\\\/huizen_huis_huizenmarkt_hypotheek.jpg\",\"width\":960,\"height\":638},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/comparer-les-credits-logement-devient-plus-facile\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comparer les cr\u00e9dits-logement devient plus facile\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/#website\",\"url\":\"https:\\\/\\\/acc.creditexpo.be\\\/\",\"name\":\"Credit Expo Belgi\u00eb\",\"description\":\"En nog een WordPress site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/acc.creditexpo.be\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/#\\\/schema\\\/person\\\/166c6c471a30e12ff7a1cdcc7f4d13d6\",\"name\":\"Serge van Groningen\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9d1e5abc6e7643766a6bb4fbcd49500c038986ff90441936a78443dceaeb6910?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9d1e5abc6e7643766a6bb4fbcd49500c038986ff90441936a78443dceaeb6910?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9d1e5abc6e7643766a6bb4fbcd49500c038986ff90441936a78443dceaeb6910?s=96&d=mm&r=g\",\"caption\":\"Serge van Groningen\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comparer les cr\u00e9dits-logement devient plus facile - Credit Expo Belgi\u00eb","description":"La nouvelle l\u00e9gislation en mati\u00e8re de cr\u00e9dit hypoth\u00e9caire est entr\u00e9e en vigueur le 1er avril dernier.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/","og_locale":"fr_FR","og_type":"article","og_title":"Comparer les cr\u00e9dits-logement devient plus facile - Credit Expo Belgi\u00eb","og_description":"La nouvelle l\u00e9gislation en mati\u00e8re de cr\u00e9dit hypoth\u00e9caire est entr\u00e9e en vigueur le 1er avril dernier.","og_url":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/","og_site_name":"Credit Expo Belgi\u00eb","article_published_time":"2017-04-13T12:45:00+00:00","article_modified_time":"2017-06-06T09:24:37+00:00","og_image":[{"width":960,"height":630,"url":"https:\/\/acc.creditexpo.be\/\/wp-content\/uploads\/2015\/03\/huizen_huis_huizenmarkt_hypotheek-960x630.jpg","type":"image\/jpeg"}],"author":"Serge van Groningen","twitter_card":"summary_large_image","twitter_creator":"@Credit_Expo_BE","twitter_site":"@Credit_Expo_BE","twitter_misc":{"Written by":"Serge van Groningen","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/#article","isPartOf":{"@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/"},"author":{"name":"Serge van Groningen","@id":"https:\/\/acc.creditexpo.be\/#\/schema\/person\/166c6c471a30e12ff7a1cdcc7f4d13d6"},"headline":"Comparer les cr\u00e9dits-logement devient plus facile","datePublished":"2017-04-13T12:45:00+00:00","dateModified":"2017-06-06T09:24:37+00:00","mainEntityOfPage":{"@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/"},"wordCount":390,"commentCount":0,"image":{"@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/#primaryimage"},"thumbnailUrl":"https:\/\/acc.creditexpo.be\/wp-content\/uploads\/2015\/03\/huizen_huis_huizenmarkt_hypotheek.jpg","inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/","url":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/","name":"Comparer les cr\u00e9dits-logement devient plus facile - Credit Expo Belgi\u00eb","isPartOf":{"@id":"https:\/\/acc.creditexpo.be\/#website"},"primaryImageOfPage":{"@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/#primaryimage"},"image":{"@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/#primaryimage"},"thumbnailUrl":"https:\/\/acc.creditexpo.be\/wp-content\/uploads\/2015\/03\/huizen_huis_huizenmarkt_hypotheek.jpg","datePublished":"2017-04-13T12:45:00+00:00","dateModified":"2017-06-06T09:24:37+00:00","author":{"@id":"https:\/\/acc.creditexpo.be\/#\/schema\/person\/166c6c471a30e12ff7a1cdcc7f4d13d6"},"description":"La nouvelle l\u00e9gislation en mati\u00e8re de cr\u00e9dit hypoth\u00e9caire est entr\u00e9e en vigueur le 1er avril dernier.","breadcrumb":{"@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/#primaryimage","url":"https:\/\/acc.creditexpo.be\/wp-content\/uploads\/2015\/03\/huizen_huis_huizenmarkt_hypotheek.jpg","contentUrl":"https:\/\/acc.creditexpo.be\/wp-content\/uploads\/2015\/03\/huizen_huis_huizenmarkt_hypotheek.jpg","width":960,"height":638},{"@type":"BreadcrumbList","@id":"https:\/\/acc.creditexpo.be\/\/fr\/comparer-les-credits-logement-devient-plus-facile\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/acc.creditexpo.be\/\/home\/"},{"@type":"ListItem","position":2,"name":"Comparer les cr\u00e9dits-logement devient plus facile"}]},{"@type":"WebSite","@id":"https:\/\/acc.creditexpo.be\/#website","url":"https:\/\/acc.creditexpo.be\/","name":"Credit Expo Belgi\u00eb","description":"En nog een WordPress site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/acc.creditexpo.be\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/acc.creditexpo.be\/#\/schema\/person\/166c6c471a30e12ff7a1cdcc7f4d13d6","name":"Serge van Groningen","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/9d1e5abc6e7643766a6bb4fbcd49500c038986ff90441936a78443dceaeb6910?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9d1e5abc6e7643766a6bb4fbcd49500c038986ff90441936a78443dceaeb6910?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9d1e5abc6e7643766a6bb4fbcd49500c038986ff90441936a78443dceaeb6910?s=96&d=mm&r=g","caption":"Serge van Groningen"}}]}},"_links":{"self":[{"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/posts\/15494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/comments?post=15494"}],"version-history":[{"count":1,"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/posts\/15494\/revisions"}],"predecessor-version":[{"id":15495,"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/posts\/15494\/revisions\/15495"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/media\/12121"}],"wp:attachment":[{"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/media?parent=15494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/categories?post=15494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acc.creditexpo.be\/fr\/wp-json\/wp\/v2\/tags?post=15494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}