{"id":1434,"date":"2023-08-07T13:05:41","date_gmt":"2023-08-07T11:05:41","guid":{"rendered":"https:\/\/regbu.com\/?p=1434"},"modified":"2025-09-05T07:40:13","modified_gmt":"2025-09-05T05:40:13","slug":"refinancovani-vs-konsolidace-pujcek","status":"publish","type":"post","link":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/","title":{"rendered":"Refinancement ou consolidation de pr\u00eats"},"content":{"rendered":"<p>Le refinancement est un concept qui est \u00e9troitement li\u00e9 \u00e0, par exemple\u00a0<strong><a href=\"https:\/\/regbu.com\/fr\/lhypotheque-americaine-de-lissa-classique\/\">Hypoth\u00e8que am\u00e9ricaine<\/a><\/strong>Il peut s'agir de pr\u00eats hypoth\u00e9caires classiques, de pr\u00eats \u00e0 la consommation ou d'autres types de pr\u00eats. La consolidation des pr\u00eats est un produit financier concurrent. Tous deux ont un objectif important.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00e9duction des mensualit\u00e9s<\/li>\n\n\n\n<li>Baisse des int\u00e9r\u00eats<\/li>\n\n\n\n<li>Minimiser les co\u00fbts<\/li>\n<\/ul>\n\n\n\n<p>Cependant, il est essentiel de savoir ce que sont <em>diff\u00e9rences entre les deux variantes<\/em>. Chacun d'entre eux n'a pas seulement une signification diff\u00e9rente. Ils pr\u00e9sentent \u00e9galement des avantages et des inconv\u00e9nients. Nous allons vous en convaincre dans les lignes qui suivent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu'est-ce que le refinancement de pr\u00eat ?<\/h2>\n\n\n\n<p>Lorsque vous dites <strong>refinancement de pr\u00eat<\/strong>...on ne peut imaginer qu'une chose. En termes simples, l'ancien pr\u00eat est remplac\u00e9 par un nouveau. Il sera assorti de meilleures conditions de cr\u00e9dit. C'est-\u00e0-dire qu'il a un taux d'int\u00e9r\u00eat plus bas ou qu'il offre quelque chose de plus. Vous ferez donc cette d\u00e9marche dans la perspective d'\u00e9conomiser de l'argent. En m\u00eame temps, cela peut devenir une solution lorsque vous n'\u00eates pas en mesure de rembourser les dettes d\u00e9favorables.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Consolidation des pr\u00eats et informations compl\u00e9mentaires<\/h3>\n\n\n\n<p>La consolidation est essentiellement bas\u00e9e sur le refinancement. Mais derri\u00e8re ce terme se cache <strong>la fusion ou, si l'on pr\u00e9f\u00e8re, l'unification<\/strong>. Plusieurs pr\u00eats sont combin\u00e9s en m\u00eame temps. Ils sont en effet remplac\u00e9s par un seul. Vous d\u00e9couvrirez les avantages des deux solutions \u00e0 travers les lignes ci-dessous.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691492587714\"><strong class=\"schema-faq-question\">Quels sont les produits qui peuvent \u00eatre consolid\u00e9s ?<\/strong> <p class=\"schema-faq-answer\">Il peut s'agir de pr\u00eats non bancaires, de pr\u00eats \u00e0 la consommation, de d\u00e9couverts et de cartes de cr\u00e9dit.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492594135\"><strong class=\"schema-faq-question\">Puis-je r\u00e9duire mes mensualit\u00e9s en refinan\u00e7ant ?<\/strong> <p class=\"schema-faq-answer\">Oui, d'abord et avant tout en raison du meilleur taux d'int\u00e9r\u00eat. Ensuite, l'allongement de la dur\u00e9e du pr\u00eat peut \u00e9galement y contribuer.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492600712\"><strong class=\"schema-faq-question\">La consolidation en vaut-elle toujours la peine ?<\/strong> <p class=\"schema-faq-answer\">Il n'est pas n\u00e9cessaire qu'il en soit ainsi. Par exemple, si les anciens pr\u00eats sont assortis de frais \u00e9lev\u00e9s de p\u00e9nalit\u00e9 de remboursement anticip\u00e9, ils n'en valent pas la peine.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492609378\"><strong class=\"schema-faq-question\">Puis-je obtenir de l'argent suppl\u00e9mentaire avec ces produits ?<\/strong> <p class=\"schema-faq-answer\">Oui, la consolidation et le refinancement peuvent tous deux vous aider \u00e0 obtenir un financement suppl\u00e9mentaire. Il vous suffit d'\u00eatre un client suffisamment solvable. Cela signifie que vous devez prouver votre solvabilit\u00e9 au nouveau pr\u00eateur.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492618453\"><strong class=\"schema-faq-question\">Quel fournisseur propose des services de consolidation et de refinancement ?<\/strong> <p class=\"schema-faq-answer\">Ces produits de cr\u00e9dit ne sont actuellement pas propos\u00e9s uniquement par les institutions bancaires. Vous pouvez \u00e9galement profiter des offres de produits des soci\u00e9t\u00e9s non bancaires agr\u00e9\u00e9es par le CNB.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Le refinancement est un concept \u00e9troitement li\u00e9, par exemple, aux pr\u00eats hypoth\u00e9caires am\u00e9ricains, aux pr\u00eats hypoth\u00e9caires conventionnels, aux pr\u00eats \u00e0 la consommation et \u00e0 d'autres types de pr\u00eats. Le concurrent de ce produit financier est la consolidation de pr\u00eats. Ils ont tous deux un objectif important. Cependant, il est essentiel de conna\u00eetre les diff\u00e9rences entre les deux options. Chacune d'entre elles n'a pas seulement une signification diff\u00e9rente. Elles sont li\u00e9es ... <\/p>","protected":false},"author":2,"featured_media":1435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1758,1191,650,618,1756,1757,1760,1759,627,628],"class_list":["post-1434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-konsolidace-pujcek","tag-nahrazeni","tag-pujcka","tag-pujcky","tag-refinancovani","tag-refinancovani-pujcky","tag-sjednoceni","tag-slouceni","tag-uver","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? V\u0161e V\u00e1m prozrad\u00edme.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM\" \/>\n<meta property=\"og:description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? V\u0161e V\u00e1m prozrad\u00edme.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/\" \/>\n<meta property=\"og:site_name\" content=\"REGBU.COM\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-07T11:05:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-05T05:40:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"George Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\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:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/\"},\"author\":{\"name\":\"George Martin\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"headline\":\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek\",\"datePublished\":\"2023-08-07T11:05:41+00:00\",\"dateModified\":\"2025-09-05T05:40:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/\"},\"wordCount\":473,\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/refinancovani-vs-konsolidace-pujcek.jpg\",\"keywords\":[\"konsolidace p\u016fj\u010dek\",\"nahrazen\u00ed\",\"p\u016fj\u010dka\",\"p\u016fj\u010dky\",\"refinancov\u00e1n\u00ed\",\"refinancov\u00e1n\u00ed p\u016fj\u010dky\",\"sjednocen\u00ed\",\"slou\u010den\u00ed\",\"\u00fav\u011br\",\"\u00fav\u011bry\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"fr-FR\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/\",\"url\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/\",\"name\":\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/refinancovani-vs-konsolidace-pujcek.jpg\",\"datePublished\":\"2023-08-07T11:05:41+00:00\",\"dateModified\":\"2025-09-05T05:40:13+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"description\":\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? V\u0161e V\u00e1m prozrad\u00edme.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492587714\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492594135\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492600712\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492609378\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492618453\"}],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#primaryimage\",\"url\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/refinancovani-vs-konsolidace-pujcek.jpg\",\"contentUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/refinancovani-vs-konsolidace-pujcek.jpg\",\"width\":1200,\"height\":675,\"caption\":\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/regbu.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/regbu.com\\\/en\\\/\",\"name\":\"REGBU.COM\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/regbu.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\",\"name\":\"George Martin\",\"url\":\"https:\\\/\\\/regbu.com\\\/fr\\\/author\\\/george-martin\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492587714\",\"position\":1,\"url\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492587714\",\"name\":\"Jak\u00e9 produkty lze konsolidovat?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Mohou to b\u00fdt nebankovn\u00ed p\u016fj\u010dky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kontokorenty a kreditn\u00ed karty.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492594135\",\"position\":2,\"url\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492594135\",\"name\":\"Lze refinancov\u00e1n\u00edm sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, v prvn\u00ed \u0159ad\u011b to bude d\u00edky v\u00fdhodn\u011bj\u0161\u00edmu \u00faroku. Pak k tomu m\u016f\u017ee p\u0159isp\u011bt i prodlou\u017een\u00ed splatnosti p\u016fj\u010dky.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492600712\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492600712\",\"name\":\"Vyplat\u00ed se v\u017edy konsolidace?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nemus\u00ed tomu tak b\u00fdt. Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492609378\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492609378\",\"name\":\"Mohu d\u00edky t\u011bmto produkt\u016fm z\u00edskat pen\u00edze nav\u00edc?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. To znamen\u00e1, \u017ee nov\u00e9mu poskytovateli \u00fav\u011bru prok\u00e1\u017eete svoji \u00fav\u011bruschopnost.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492618453\",\"position\":5,\"url\":\"https:\\\/\\\/regbu.com\\\/fr\\\/refinancement-prets-de-consolidation\\\/#faq-question-1691492618453\",\"name\":\"Jak\u00fd poskytovatel m\u00e1 v nab\u00eddce konsolidaci a refinancov\u00e1n\u00ed?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tyto \u00fav\u011brov\u00e9 produkty v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed nejenom bankovn\u00ed instituce. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 produktov\u00fdch nab\u00eddek nebankovn\u00edch spole\u010dnost\u00ed s licenc\u00ed od \u010cNB.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Refinancement ou consolidation de pr\u00eats - REGBU.COM","description":"Savez-vous ce que vous entendez par refinancement ? Et savez-vous en quoi il diff\u00e8re de la consolidation de pr\u00eats ? Nous allons tout vous dire.","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:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/","og_locale":"fr_FR","og_type":"article","og_title":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM","og_description":"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? V\u0161e V\u00e1m prozrad\u00edme.","og_url":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/","og_site_name":"REGBU.COM","article_published_time":"2023-08-07T11:05:41+00:00","article_modified_time":"2025-09-05T05:40:13+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"George Martin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/"},"wordCount":473,"image":{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","keywords":["konsolidace p\u016fj\u010dek","nahrazen\u00ed","p\u016fj\u010dka","p\u016fj\u010dky","refinancov\u00e1n\u00ed","refinancov\u00e1n\u00ed p\u016fj\u010dky","sjednocen\u00ed","slou\u010den\u00ed","\u00fav\u011br","\u00fav\u011bry"],"articleSection":["Finance"],"inLanguage":"fr-FR"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/","url":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/","name":"Refinancement ou consolidation de pr\u00eats - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"Savez-vous ce que vous entendez par refinancement ? Et savez-vous en quoi il diff\u00e8re de la consolidation de pr\u00eats ? Nous allons tout vous dire.","breadcrumb":{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492587714"},{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492594135"},{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492600712"},{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492609378"},{"@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492618453"}],"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","width":1200,"height":675,"caption":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/fr\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492587714","position":1,"url":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492587714","name":"Quels sont les produits qui peuvent \u00eatre consolid\u00e9s ?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Mohou to b\u00fdt nebankovn\u00ed p\u016fj\u010dky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kontokorenty a kreditn\u00ed karty.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492594135","position":2,"url":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492594135","name":"Puis-je r\u00e9duire mes mensualit\u00e9s en refinan\u00e7ant ?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, v prvn\u00ed \u0159ad\u011b to bude d\u00edky v\u00fdhodn\u011bj\u0161\u00edmu \u00faroku. Pak k tomu m\u016f\u017ee p\u0159isp\u011bt i prodlou\u017een\u00ed splatnosti p\u016fj\u010dky.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492600712","position":3,"url":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492600712","name":"La consolidation en vaut-elle toujours la peine ?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Nemus\u00ed tomu tak b\u00fdt. Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492609378","position":4,"url":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492609378","name":"Puis-je obtenir de l'argent suppl\u00e9mentaire avec ces produits ?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. To znamen\u00e1, \u017ee nov\u00e9mu poskytovateli \u00fav\u011bru prok\u00e1\u017eete svoji \u00fav\u011bruschopnost.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492618453","position":5,"url":"https:\/\/regbu.com\/fr\/refinancement-prets-de-consolidation\/#faq-question-1691492618453","name":"Quel fournisseur propose des services de consolidation et de refinancement ?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tyto \u00fav\u011brov\u00e9 produkty v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed nejenom bankovn\u00ed instituce. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 produktov\u00fdch nab\u00eddek nebankovn\u00edch spole\u010dnost\u00ed s licenc\u00ed od \u010cNB.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/posts\/1434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/comments?post=1434"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/posts\/1434\/revisions"}],"predecessor-version":[{"id":1446,"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/posts\/1434\/revisions\/1446"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/media\/1435"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/media?parent=1434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/categories?post=1434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/fr\/wp-json\/wp\/v2\/tags?post=1434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}