By Charlotte GAUCHON
The 27 March 2025
The life of a mortgage is not a long, quiet river. A significant fall in market interest rates, a marked improvement in your financial situation or, on the contrary, temporary difficulties may lead you to consider changing your initial loan contract. Fortunately, the legal framework provides mechanisms for adapting your credit to life's ups and downs: renegotiation and early repayment. What options are available to you, and what legal precautions need to be taken to navigate these processes? This article details the conditions, formalities and essential points to watch out for. Renegotiating a mortgage: conditions and formalities Renegotiating a mortgage means changing some of its initial conditions without terminating the contract. The adjustments most often concern the interest rate, in order to take advantage of more favourable market conditions, but can also be made to...
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