{"id":37039,"date":"2019-10-31T22:15:26","date_gmt":"2019-10-31T19:15:26","guid":{"rendered":"https:\/\/prohoster.info\/blog\/datskij-bank-doplachivaet-klientam-za-vzyatyj-ipotechnyj-kredit\/"},"modified":"2019-10-31T22:15:26","modified_gmt":"2019-10-31T19:15:26","slug":"datskij-bank-doplachivaet-klientam-za-vzyatyj-ipotechnyj-kredit","status":"publish","type":"post","link":"https:\/\/prohoster.info\/fr\/blog\/news\/datskij-bank-doplachivaet-klientam-za-vzyatyj-ipotechnyj-kredit","title":{"rendered":"Une banque danoise paie ses clients pour un pr\u00eat hypoth\u00e9caire","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

Jyske Bank, le troisi\u00e8me plus grand banc du Danemark, a annonc\u00e9 la semaine derni\u00e8re que ses clients peuvent d\u00e9sormais obtenir un pr\u00eat hypoth\u00e9caire de 10 ans \u00e0 un taux d'int\u00e9r\u00eat fixe de -0,5 %, ce qui signifie que les clients rembourseront un montant inf\u00e9rieur \u00e0 celui emprunt\u00e9.<\/p>\n

\"Une<\/p>\n

En d'autres termes, si vous achetiez une maison avec un cr\u00e9dit de 1 million de dollars et que vous remboursiez totalement l'hypoth\u00e8que en 10 ans, vous ne rembourseriez que 995 000 dollars \u00e0 la banque.<\/p>\n

Pour \u00eatre juste, il convient de noter que m\u00eame avec un taux d'int\u00e9r\u00eat n\u00e9gatif, les banques facturent souvent des frais li\u00e9s \u00e0 la proc\u00e9dure de pr\u00eat. Cela signifie que les clients finiront par devoir rembourser une somme sup\u00e9rieure \u00e0 celle qu'ils ont emprunt\u00e9e.<\/p>\n

<\/center><\/p>\n

\u00ab C'est un nouveau chapitre dans l'histoire des pr\u00eats hypoth\u00e9caires. Il y a quelques mois, nous aurions dit que c'\u00e9tait impossible, mais nous ne cessons d'\u00eatre surpris, et cela ouvre de nouvelles possibilit\u00e9s pour les propri\u00e9taires \u00bb, a d\u00e9clar\u00e9 Mikkel H\u00f8g, \u00e9conomiste en pr\u00eats immobiliers chez Jyske Bank, dans une interview \u00e0 une cha\u00eene de t\u00e9l\u00e9vision danoise.<\/p>\n

Le taux n\u00e9gatif de Jyske Bank est devenu l'un des derniers d'une s\u00e9rie d'offres de taux d'int\u00e9r\u00eat extr\u00eamement bas des banques aux propri\u00e9taires danois.<\/p>\n

Selon The Local, le plus grand pr\u00eateur de Scandinavie, Nordea Bank, a d\u00e9clar\u00e9 qu'il proposerait un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe sur 20 ans \u00e0 0 %. Bloomberg rapporte que certains pr\u00eateurs danois proposent des hypoth\u00e8ques de 30 ans \u00e0 un taux de 0,5 %.<\/p>\n

Il peut sembler illogique que les banques accordent des pr\u00eats \u00e0 de tels taux bas, mais cela s'explique.<\/p>\n

Les march\u00e9s financiers se trouvent actuellement dans une position instable et incertaine. Les facteurs de risque comprennent la guerre commerciale persistante entre les \u00c9tats-Unis et la Chine, le Brexit et le ralentissement g\u00e9n\u00e9ral de la croissance \u00e9conomique \u00e0 l'\u00e9chelle mondiale, en particulier en Europe.<\/p>\n

De nombreux investisseurs craignent un effondrement financier imminent. Par cons\u00e9quent, certaines banques sont pr\u00eates \u00e0 pr\u00eater de l'argent \u00e0 des taux n\u00e9gatifs, supportant des pertes plus faibles plut\u00f4t que de risquer des pertes plus importantes en accordant des pr\u00eats \u00e0 des taux plus \u00e9lev\u00e9s que les clients ne pourront pas rembourser.<\/p>\n

<\/p>\n

<\/center><\/p>\n

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\n\t\t\t\t\t\t\t\t<\/center>
Source : 3dnews.ru<\/a><\/p>","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

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[…]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":1,"featured_media":27764,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[702],"tags":[],"class_list":["post-37039","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\n","aioseo_head_json":{"title":"\ud83e\udd47La banque danoise rembourse ses clients pour un cr\u00e9dit hypoth\u00e9caire | ProHoster","description":"Jyske Bank, le troisi\u00e8me plus grand banque du Danemark, a annonc\u00e9 la semaine derni\u00e8re que ses clients peuvent d\u00e9sormais obtenir un pr\u00eat hypoth\u00e9caire de 10 ans avec un taux d'int\u00e9r\u00eat fixe de -0,5 %, c'est-\u00e0-dire que les clients rembourseront \u00e0 la 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