{"id":4029,"date":"2017-02-15T14:14:24","date_gmt":"2017-02-15T13:14:24","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=4029"},"modified":"2021-03-15T14:20:22","modified_gmt":"2021-03-15T13:20:22","slug":"comment-votre-credit-scoring-influence-votre-demande-de-credit","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/wie-das-kreditscoring-einfluss-auf-ihren-kreditantrag-nimmt\/","title":{"rendered":"COMMENT VOTRE CREDIT SCORING INFLUENCE VOTRE DEMANDE DE CR\u00c9DIT"},"content":{"rendered":"<h2>L'\u00e9valuation du cr\u00e9dit - Qu'est-ce que c'est ?<\/h2>\n<p>Dans le monde financier, ce terme fait r\u00e9f\u00e9rence \u00e0 la notation de cr\u00e9dit des entreprises et des particuliers. Avec son aide, le pr\u00eateur d\u00e9termine la probabilit\u00e9 d'un d\u00e9faut de paiement de la part de l'emprunteur et obtient des informations sur le moral de l'emprunteur. La proc\u00e9dure de scoring n'\u00e9tant pas standardis\u00e9e en Suisse, chaque institution financi\u00e8re utilise ses propres mod\u00e8les d'\u00e9valuation pour d\u00e9terminer la solvabilit\u00e9. Les entreprises bancaires qui souhaitent s'\u00e9pargner cette d\u00e9marche peuvent \u00e9galement obtenir les informations relatives au recouvrement des cr\u00e9ances aupr\u00e8s des offices cantonaux de recouvrement, moyennant paiement. De nombreux cr\u00e9anciers se tournent vers l'agence de cr\u00e9dit CRIF. Cette soci\u00e9t\u00e9 ne se contente pas d'enregistrer les historiques de paiement, mais d\u00e9tient \u00e9galement des informations ZEK telles que les arri\u00e9r\u00e9s de paiement, les billets \u00e0 ordre ainsi que les cr\u00e9dits ouverts.<\/p>\n<h2>Quels sont les points pris en compte pour la notation ?<\/h2>\n<p>Outre votre historique de cr\u00e9dit, voici les principaux \u00e9l\u00e9ments \u00e0 prendre en compte :<\/p>\n<ul>\n<li>Plus le candidat est \u00e2g\u00e9, plus il obtient de points.<\/li>\n<li>Les personnes mari\u00e9es obtiennent plus de points que les c\u00e9libataires.<\/li>\n<li>Une marge budg\u00e9taire plus \u00e9lev\u00e9e se traduit par de meilleures conditions de cr\u00e9dit pour le client.<\/li>\n<li>Demandes de renseignements aupr\u00e8s de la ZEK : Le nombre de refus de pr\u00eats ainsi que les paiements en cours et en suspens, qui sont enregistr\u00e9s par un code au bureau central, pr\u00e9sentent un int\u00e9r\u00eat particulier.<\/li>\n<li>Ceux qui restent professionnellement fid\u00e8les \u00e0 une entreprise pendant de nombreuses ann\u00e9es en sont r\u00e9compens\u00e9s au niveau de leur score.<\/li>\n<li>Plus vous \u00eates inscrit depuis longtemps \u00e0 une adresse r\u00e9sidentielle, meilleur sera votre r\u00e9sultat.<\/li>\n<\/ul>\n<h2>Ces conditions contractuelles d\u00e9terminent le score de cr\u00e9dit ?<\/h2>\n<ul>\n<li>Montant des int\u00e9r\u00eats que vous devez payer en tant qu'emprunteur<\/li>\n<li>Approbation ou rejet de la demande, que vous ayez ou non satisfait aux crit\u00e8res budg\u00e9taires.<\/li>\n<li>Limitation du montant du cr\u00e9dit accord\u00e9, m\u00eame en cas de calcul positif du budget.<\/li>\n<\/ul>\n<h2>Augmentez vos chances d'obtenir un pr\u00eat avec bestfinance.ch<\/h2>\n<p>Pour que votre demande de cr\u00e9dit soit approuv\u00e9e par votre institution financi\u00e8re, vous devez vous informer au pr\u00e9alable de mani\u00e8re exhaustive sur la proc\u00e9dure de notation de votre banque. Gr\u00e2ce aux bonnes relations que nous entretenons avec les diff\u00e9rentes institutions financi\u00e8res, nous connaissons tr\u00e8s bien les crit\u00e8res de notation des institutions financi\u00e8res respectives. C'est pourquoi notre taux de r\u00e9ussite dans le domaine des enqu\u00eates de cr\u00e9dit est sup\u00e9rieur \u00e0 la moyenne. Si vous souhaitez en savoir plus sur ce sujet, veuillez contacter bestfinance.ch.<\/p>\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 :\u00a0<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/Wie-das-Kreditscoring-Einfluss-auf-Ihren-Kreditantrag-nimmt.pdf\">Comment l'\u00e9valuation du cr\u00e9dit influe sur votre demande de pr\u00eat.pdf.<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Pour obtenir un pr\u00eat \u00e0 temp\u00e9rament, il ne suffit pas de r\u00e9pondre aux crit\u00e8res budg\u00e9taires ainsi qu'aux conditions des institutions financi\u00e8res. En derni\u00e8re instance, la notation d\u00e9cide de l'approbation ou du rejet de votre demande. Une fois que vous aurez soumis votre demande d\u00fbment remplie \u00e0 une banque, celle-ci calculera votre marge mensuelle disponible et v\u00e9rifiera votre score de notation. Sur la base de ces r\u00e9sultats, il sera d\u00e9cid\u00e9 si un pr\u00eat vous sera accord\u00e9.<\/p>","protected":false},"author":2,"featured_media":4032,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Kreditscoring in der Schweiz: Einblick und Bedeutung","_seopress_titles_desc":"Erfahren Sie, wie Kreditscoring Ihre Kreditbedingungen bestimmt und wie Sie Ihre Chancen verbessern 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