{"id":2169,"date":"2014-02-01T16:42:39","date_gmt":"2014-02-01T15:42:39","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=2169"},"modified":"2021-03-17T20:23:26","modified_gmt":"2021-03-17T19:23:26","slug":"quest-ce-quun-credit","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/was-ist-ein-kredit\/","title":{"rendered":"QU\u2019EST-CE QU\u2019UN CR\u00c9DIT?"},"content":{"rendered":"<p><a class=\"btn btn-success\" href=\"https:\/\/www.bestfinance.ch\/fr\/des-taux-de-credit-bas-pour-le-credit-de-votre-choix\/\"> Obtenez des conseils gratuits sur le cr\u00e9dit ici<\/a><\/p>\n<h3>Quand parle-t-on d'un pr\u00eat ?<\/h3>\n<p>Un site<span class=\"Apple-converted-space\">\u00a0<\/span>Cr\u00e9dit<span class=\"Apple-converted-space\">\u00a0<\/span>est une certaine somme d'argent fournie par une personne, une entreprise ou une banque pour une certaine p\u00e9riode de temps. Elle est ensuite rembours\u00e9e par mensualit\u00e9s ou \u00e0 une date pr\u00e9cise. Dans le secteur priv\u00e9, le cr\u00e9dit est utilis\u00e9 pour financer des biens et des services ; dans le secteur commercial, il est utilis\u00e9 pour financer des investissements.<\/p>\n<p>Pour obtenir un pr\u00eat, vous devez \u00eatre majeur, avoir un emploi et\/ou des revenus suffisants. En outre, vous devez avoir une solvabilit\u00e9 suffisante, \u00e9galement appel\u00e9e \"cote de cr\u00e9dit\". Celle-ci est d\u00e9termin\u00e9e par le montant de vos revenus moins certaines d\u00e9penses et autres obligations de cr\u00e9dit. En outre, selon le type de cr\u00e9dit, les donn\u00e9es de diff\u00e9rents centres d'information sont \u00e9galement interrog\u00e9es dans le cadre de la v\u00e9rification de la solvabilit\u00e9. Cela permet de savoir s'il existe d'autres pr\u00eats, quel en est le montant et s'ils sont correctement rembours\u00e9s.<\/p>\n<h3>Les types de cr\u00e9dit et le cr\u00e9dit ?<\/h3>\n<p class=\"listintro\">Il existe diff\u00e9rents types de cr\u00e9dit, qui diff\u00e8rent principalement en fonction de leur objectif, tels que :<\/p>\n<ul class=\"inline\">\n<li>Le cr\u00e9dit \u00e0 la consommation, \u00e9galement appel\u00e9 \"pr\u00eat personnel\", qui est utilis\u00e9 pour le financement d'objets priv\u00e9s, tels que des meubles ou des voitures. Pour ce type de pr\u00eat, il n'est pas n\u00e9cessaire de pr\u00e9ciser l'utilisation pr\u00e9vue lors de la demande et le pr\u00eat est g\u00e9n\u00e9ralement rembours\u00e9 par mensualit\u00e9s.<\/li>\n<li>Pr\u00eat hypoth\u00e9caire :. Il s'agit d'un pr\u00eat affect\u00e9 qui peut \u00eatre utilis\u00e9 pour la construction ou l'achat d'une nouvelle maison, d'un condominium, etc., mais aussi \u00e0 des fins de r\u00e9novation. Ici, vous devez prouver l'utilisation de l'argent (factures, achat).<\/li>\n<\/ul>\n<h3>Que faut-il prendre en consid\u00e9ration lors de l'octroi d'un pr\u00eat ?<\/h3>\n<p>Lorsque vous contractez un pr\u00eat, vous prenez un engagement financier \u00e0 moyen ou long terme. Lorsque vous contractez un pr\u00eat, veillez \u00e0 ce que le budget de votre m\u00e9nage ne se d\u00e9t\u00e9riore pas pendant la dur\u00e9e du pr\u00eat.<br \/>Dans certaines situations, il peut \u00eatre utile de recourir aux services de cr\u00e9dit, notamment lorsque<\/p>\n<p class=\"inset\">- vous envisagez un achat important que vous ne pouvez pas financer enti\u00e8rement par vos propres moyens.<\/p>\n<p>Cependant, le moyen le plus \u00e9conomique est que vos proches ou quelqu'un de votre cercle d'amis vous aident. Dans le cas suivant, il n'est certainement pas conseill\u00e9 de contracter un pr\u00eat \u00e0 la consommation.<\/p>\n<p class=\"inset\">- S'il appara\u00eet aujourd'hui que votre budget va se d\u00e9t\u00e9riorer pendant la dur\u00e9e du pr\u00eat - par exemple, parce qu'un enfant va na\u00eetre ou parce que vous allez prendre votre retraite.<\/p>\n<p>Sauvegarder l'article en PDF :\u00a0<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/Was-ist-ein-Kredit.pdf\">Qu'est-ce qu'un pr\u00eat ?.pdf<\/a><\/p>\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Avec un pr\u00eat, quelqu'un vous fournit une certaine somme d'argent pour une p\u00e9riode de temps pr\u00e9d\u00e9finie, que vous remboursez ensuite par mensualit\u00e9s ou \u00e0 une date pr\u00e9cise.<\/p>","protected":false},"author":2,"featured_media":2172,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Kostenlose Beratung: Alles \u00fcber Kredite verstehen","_seopress_titles_desc":"Alles \u00fcber Kredite \u2013 sichern Sie sich mit unserer Hilfe den passenden Kredit und vermeiden Sie finanzielle 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