{"id":2965,"date":"2015-12-11T12:09:06","date_gmt":"2015-12-11T11:09:06","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=2965"},"modified":"2021-03-15T14:20:23","modified_gmt":"2021-03-15T13:20:23","slug":"le-conseil-federal-abaisse-le-taux-dinteret-des-credits-en-2016","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/kredit-zinssenkung-fuer-2016\/","title":{"rendered":"LE CONSEIL F\u00c9D\u00c9RAL ABAISSE LE TAUX D\u2019INT\u00c9R\u00caT DES CR\u00c9DITS EN 2016"},"content":{"rendered":"

En cons\u00e9quence, le taux d'int\u00e9r\u00eat sera ramen\u00e9 de 15% pour les pr\u00eats de tr\u00e9sorerie \u00e0 10%, et \u00e0 12% pour les d\u00e9couverts de carte de cr\u00e9dit. Le Conseil f\u00e9d\u00e9ral assure ainsi un \u00e9quilibre appropri\u00e9 entre les int\u00e9r\u00eats de la pr\u00e9vention des dettes d'une part et ceux des \u00e9tablissements de cr\u00e9dit d'autre part.<\/p>\n

Gr\u00e2ce \u00e0 cette mesure, les emprunteurs pourront \u00e9galement b\u00e9n\u00e9ficier \u00e0 l'avenir de la phase actuelle de taux d'int\u00e9r\u00eat bas. L'activit\u00e9 de pr\u00eat peut \u00eatre exploit\u00e9e de mani\u00e8re rentable m\u00eame avec le nouveau taux d'int\u00e9r\u00eat maximal. Cela est d\u00e9montr\u00e9 par le fait que les pr\u00eats \u00e0 la consommation sont d\u00e9j\u00e0 accord\u00e9s aujourd'hui \u00e0 un taux d'int\u00e9r\u00eat d'environ 6%. Un taux d'int\u00e9r\u00eat maximal plus faible permet \u00e9galement d'accorder des pr\u00eats moins risqu\u00e9s. Elle sert donc aussi \u00e0 pr\u00e9venir le surendettement.<\/p>\n

R\u00e9vision annuelle du taux d'int\u00e9r\u00eat maximal<\/h2>\n

Le m\u00e9canisme de calcul permettant de d\u00e9terminer le taux d'int\u00e9r\u00eat maximal est d\u00e9sormais fix\u00e9 dans l'ordonnance de la KKG. Sur la base de ce m\u00e9canisme, le taux d'int\u00e9r\u00eat maximum sera revu annuellement \u00e0 l'avenir et ajust\u00e9 si n\u00e9cessaire.<\/p>\n

Profitez de la r\u00e9duction du taux d'int\u00e9r\u00eat et r\u00e9duisez le co\u00fbt global de votre pr\u00eat.<\/h2>\n

Nous serons heureux de pr\u00e9parer une offre sans engagement pour vous et de trouver l'offre de cr\u00e9dit qui correspond le mieux \u00e0 vos besoins.<\/p>\n

Demandez maintenant sans engagement !<\/a><\/p>\n

Demander un cr\u00e9dit<\/a><\/p>\n

Sauvegarder l'article en PDF :\u00a0R\u00e9duction du taux d'int\u00e9r\u00eat du cr\u00e9dit pour 2016.pdf<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Berne, 11.12.2015 - Le Conseil f\u00e9d\u00e9ral a d\u00e9cid\u00e9 vendredi d'adapter le m\u00e9canisme de calcul du taux d'int\u00e9r\u00eat maximal des cr\u00e9dits \u00e0 la consommation \u00e0 partir du 1er juillet 2016 et de revoir r\u00e9guli\u00e8rement ce taux \u00e0 l'avenir.<\/p>","protected":false},"author":2,"featured_media":2967,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":null,"stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":null,"astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2965","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts\/2965","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/comments?post=2965"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts\/2965\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media\/2967"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media?parent=2965"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/categories?post=2965"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/tags?post=2965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}