{"id":11748,"date":"2018-12-06T09:25:50","date_gmt":"2018-12-06T08:25:50","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=11748"},"modified":"2021-03-15T14:20:22","modified_gmt":"2021-03-15T13:20:22","slug":"ou-puis-je-obtenir-le-pret-le-moins-cher","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/wo-erhalte-ich-den-guenstigsten-kredit\/","title":{"rendered":"O\u00f9 puis-je obtenir le meilleur pr\u00eat ?"},"content":{"rendered":"

De nombreuses banques et institutions financi\u00e8res annoncent des taux d'int\u00e9r\u00eat bas. Le plus souvent, les consommateurs re\u00e7oivent une offre on\u00e9reuse lorsqu'ils demandent un pr\u00eat.
\nEn raison de l'\u00e9volution constante des prix et des lois, il est pratiquement impossible pour un consommateur d'obtenir une vue d'ensemble de mani\u00e8re ind\u00e9pendante. Ce que beaucoup ne savent pas, c'est que le salaire ne joue plus un r\u00f4le majeur dans l'offre de pr\u00eat, mais que l'ensemble de la solvabilit\u00e9 est \u00e9valu\u00e9e.
\nLe taux d'int\u00e9r\u00eat seul ne fait pas non plus l'offre, car il y a des fournisseurs de pr\u00eats qui offrent de bons taux d'int\u00e9r\u00eat, mais le service n'est pas bon et le client m\u00eame Hotline
\nplus le temps d'attente seront factur\u00e9s.<\/p>\n

Obtenir une bonne cote de cr\u00e9dit aupr\u00e8s des banques est certainement le premier pas vers la
\nl'offre de cr\u00e9dit la plus favorable.<\/p>\n

Les points suivants sont pris en compte lors d'une v\u00e9rification de cr\u00e9dit :<\/p>\n

- Dur\u00e9e du s\u00e9jour en Suisse
\n- Type de revenu : Permanent, Temporaire, Horaire,\u00a0Ind\u00e9pendant<\/a>pensionn\u00e9
\n- dur\u00e9e du travail
\n- payer
\n- Locataire ou propri\u00e9taire
\n- le budget
\n- Informations sur le recouvrement des cr\u00e9ances<\/a>
\n- Informations sur ZEK<\/a>Historique des paiements des pr\u00eats plus anciens ou existants
\n- Nombre de demandes de cr\u00e9dit rejet\u00e9es et ouvertes<\/a>
\n
\n\u00c9viter les rejets<\/strong><\/p>\n

Comme indiqu\u00e9, les demandes de renseignements sur la solvabilit\u00e9 rejet\u00e9es peuvent aggraver la cote de cr\u00e9dit et, dans le pire des cas, peuvent m\u00eame entra\u00eener le rejet de la demande de cr\u00e9dit.
\nLes crit\u00e8res pr\u00e9alables \u00e0 l'octroi d'un pr\u00eat diff\u00e8rent selon les entreprises. Les banques respectent strictement leurs r\u00e9glementations. Il est donc contre-productif de soumettre une demande de cr\u00e9dit \u00e0 une banque lorsque les conditions ne sont pas remplies. Les banques ne communiquent pas ouvertement les conditions pr\u00e9alables \u00e0 remplir pour une demande de cr\u00e9dit.
\nPar cons\u00e9quent, pour obtenir le pr\u00eat le plus favorable, il est pr\u00e9f\u00e9rable de consulter un expert en pr\u00eats, car il conna\u00eet les notes de cr\u00e9dit des banques et est toujours au courant du march\u00e9 des pr\u00eats.<\/p>\n

A propos de notre Demande de cr\u00e9dit<\/a> vous pouvez b\u00e9n\u00e9ficier d'une consultation gratuite avec un<\/p>\n

Experts en cr\u00e9dit<\/a> b\u00e9n\u00e9fice. Les conseils en mati\u00e8re de cr\u00e9dit sont \u00e9galement utiles pour un pr\u00eat existant, comme un Remboursement de pr\u00eats<\/a> est possible \u00e0 tout moment.<\/p>\n

pr\u00eats \u00e9trangers<\/strong><\/p>\n

En Suisse, un pr\u00eat dont le domicile est \u00e0 l'\u00e9tranger est
\nuniquement possible si vous \u00eates titulaire d'un permis de s\u00e9jour G et que vous r\u00e9sidez dans le pays depuis au moins
\na travaill\u00e9 en Suisse pendant une p\u00e9riode ininterrompue de trois ans.
\nPour une offre de cr\u00e9dit s\u00e9rieuse, nous recommandons donc de se tourner uniquement vers les fournisseurs nationaux. Pour les citoyens d'Allemagne, un Comparaison approfondie des cr\u00e9dits<\/a> offert par Smava.de. Les offres sont actualis\u00e9es et vous pouvez facilement trouver la meilleure offre de pr\u00eat.<\/p>","protected":false},"excerpt":{"rendered":"

Le march\u00e9 suisse du cr\u00e9dit est aujourd'hui tr\u00e8s encombr\u00e9 et les offres sont plus nombreuses que jamais. Trouver la meilleure offre de pr\u00eat n'est donc certainement pas facile. <\/p>","protected":false},"author":2,"featured_media":9753,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Wo erhalte ich den g\u00fcnstigsten Kredit?","_seopress_titles_desc":"Der Schweizer Kreditmarkt ist heutzutage \u00fcberf\u00fcllt und es gibt mehr Angebote denn je. 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