{"id":2253,"date":"2014-05-01T10:10:19","date_gmt":"2014-05-01T09:10:19","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=2253"},"modified":"2021-05-28T08:09:57","modified_gmt":"2021-05-28T06:09:57","slug":"suis-je-solvable","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/bin-ich-kreditwuerdig\/","title":{"rendered":"SUIS-JE SOLVABLE?"},"content":{"rendered":"<h3>Examen de solvabilit\u00e9<\/h3>\n<p>Pour am\u00e9liorer la protection du consommateur face au surendettement, la Loi sur le cr\u00e9dit \u00e0 la consommation oblige les bailleurs de fonds professionnels \u00e0 d\u00e9clarer les cr\u00e9dits en cours au Centre de renseignement sur le cr\u00e9dit \u00e0 la consommation (IKO). Lorsqu\u2019un consommateur fait une demande de cr\u00e9dit, les bailleurs de fonds interrogent cette banque de donn\u00e9es pour conna\u00eetre les engagements en cours de leur client et en tiennent compte dans l\u2019examen de sa solvabilit\u00e9.<\/p>\n<h3>Obligation de d\u00e9claration du cr\u00e9ancier<\/h3>\n<p>Les pr\u00eateurs sont non seulement tenus de signaler l'octroi de cr\u00e9dits \u00e0 la consommation \u00e0 l'agence d'information sur le cr\u00e9dit, mais aussi, par exemple, si un client est en retard dans ses remboursements.<\/p>\n<p class=\"listintro\">Assurez votre bonne r\u00e9putation<\/p>\n<ul class=\"inline\">\n<li>\u00c9tablissez un budget qui vous convient. Prenez en compte toutes les d\u00e9penses, en particulier les d\u00e9penses fixes, mais aussi les d\u00e9penses variables telles que les sorties, les cadeaux, les achats spontan\u00e9s, etc. Ne partez pas du principe que vous allez vous serrer la ceinture pendant la dur\u00e9e du pr\u00eat sans autre forme de proc\u00e8s.<\/li>\n<li>Soyez honn\u00eate avec vous-m\u00eame : Pouvez-vous r\u00e9ellement vous permettre la consommation que vous voulez financer avec le pr\u00eat ?<\/li>\n<li>Essayez \u00e9galement d'anticiper les changements que votre budget pourrait subir pendant la dur\u00e9e du pr\u00eat. Votre emploi est-il s\u00fbr ? Le m\u00e9nage commun avec votre partenaire est-il susceptible de survivre \u00e0 la dur\u00e9e du pr\u00eat ou pr\u00e9sente-t-il d\u00e9j\u00e0 des signes s\u00e9rieux de crise ? Un enfant na\u00eetra-t-il pendant la dur\u00e9e du pr\u00eat ?<\/li>\n<li>Payez au moins les versements minimums convenus - des versements plus \u00e9lev\u00e9s sont bien s\u00fbr toujours possibles.<\/li>\n<li>Si votre situation financi\u00e8re change \u00e0 votre d\u00e9savantage et que vous ne pouvez plus faire face \u00e0 vos obligations, il est pr\u00e9f\u00e9rable d'en informer imm\u00e9diatement vos pr\u00eateurs ou de contacter un service de conseil en mati\u00e8re de dettes.<\/li>\n<\/ul>\n<h3>Pour les probl\u00e8mes financiers : Contactez le centre de conseil en mati\u00e8re de dettes<\/h3>\n<p>Si votre situation financi\u00e8re se d\u00e9t\u00e9riore, il est alors pr\u00e9f\u00e9rable de contacter directement un<span class=\"Apple-converted-space\">&nbsp;<\/span><a title=\"Conseil en mati\u00e8re d&#039;endettement\" href=\"http:\/\/www.schuldeninfo.ch\/cms\/schuldenberatung.htm\" target=\"_blank\" rel=\"noopener\">Conseil en mati\u00e8re d'endettement<\/a><\/p>\n<h4>Plus d'informations<\/h4>\n<div class=\"linklist\"><a title=\"Centre d&#039;information sur le cr\u00e9dit \u00e0 la consommation\" href=\"http:\/\/www.iko-info.ch\/\" target=\"_blank\" rel=\"noopener\">IKO (Bureau d'information sur le cr\u00e9dit \u00e0 la consommation)<\/a><\/div>\n<div class=\"linklist\"><a title=\"Conseil en mati\u00e8re d&#039;endettement en Suisse\" href=\"http:\/\/www.schulden.ch\/dynasite.cfm?dsmid=76304\/\" target=\"_blank\" rel=\"noopener\">Aper\u00e7u des diff\u00e9rents centres de conseil en mati\u00e8re de dettes<\/a><\/div>\n<p><a class=\"btn btn-success\" href=\"https:\/\/www.bestfinance.ch\/fr\/des-taux-de-credit-bas-pour-le-credit-de-votre-choix\/\"> Demander un cr\u00e9dit<\/a><\/p>\n<p>Sauvegarder l'article en PDF :&nbsp;<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/Bin-ich-kreditwuerdig.pdf\">Suis-je solvable ?.pdf<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Conform\u00e9ment aux dispositions l\u00e9gales, certaines donn\u00e9es personnelles relatives aux cr\u00e9dits \u00e0 la consommation que vous contractez sont collect\u00e9es par le centre de renseignement sur le cr\u00e9dit. Conform\u00e9ment aux dispositions l\u00e9gales, l\u2019entreprise de services financiers a l\u2019obligation d\u2019examiner votre solvabilit\u00e9 et de d\u00e9cider si vous pouvez obtenir un cr\u00e9dit.<\/p>","protected":false},"author":2,"featured_media":233,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Kreditf\u00e4higkeitspr\u00fcfung \u2013 Sind Sie wirklich kreditw\u00fcrdig?","_seopress_titles_desc":"Erfahren Sie, wie Ihre Kreditw\u00fcrdigkeit in der Schweiz gepr\u00fcft wird und wie Sie finanzielle Sicherheit bewahren 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