{"id":460,"date":"2014-03-01T10:48:29","date_gmt":"2014-03-01T09:48:29","guid":{"rendered":"http:\/\/bestfinance.ch\/?p=460"},"modified":"2021-05-28T15:21:10","modified_gmt":"2021-05-28T13:21:10","slug":"le-taux-dinteret-maximum-pour-les-credits-a-la-consommation-devrait-etre-ajuste-a-un-niveau-de-taux-dinteret-bas","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/hoechstzinssatz-fuer-konsumkredite-soll-an-tiefes-zinsniveau-angepasst-werden\/","title":{"rendered":"Adaptation du taux d'int\u00e9r\u00eat maximal des pr\u00eats \u00e0 la consommation au niveau des taux d'int\u00e9r\u00eat faibles"},"content":{"rendered":"<p>Le taux d'int\u00e9r\u00eat maximal pour les pr\u00eats \u00e0 la consommation emp\u00eache les abus dans le syst\u00e8me de cr\u00e9dit. Outre la surveillance des prix par l'\u00c9tat et la r\u00e9glementation contre les surfacturations et l'usure, elle prot\u00e8ge les consommateurs contre le surendettement. Elle r\u00e9duit \u00e9galement le risque que les institutions financi\u00e8res accordent des pr\u00eats plus risqu\u00e9s en raison d'une marge b\u00e9n\u00e9ficiaire \u00e9lev\u00e9e.<\/p>\n<p>En 2003, le Conseil f\u00e9d\u00e9ral a fix\u00e9 le taux d'int\u00e9r\u00eat maximal pour les pr\u00eats \u00e0 la consommation \u00e0 15% par an. La persistance du faible niveau des taux d'int\u00e9r\u00eat n\u00e9cessite maintenant un ajustement. Selon la volont\u00e9 du l\u00e9gislateur, le taux d'int\u00e9r\u00eat maximal devrait d\u00e9pendre du niveau des co\u00fbts de refinancement. Le Conseil f\u00e9d\u00e9ral propose donc un m\u00e9canisme de calcul bas\u00e9 sur les co\u00fbts que les institutions financi\u00e8res doivent, pour leur part, payer pour l'argent emprunt\u00e9. Le taux d'int\u00e9r\u00eat maximal se compose du Libor \u00e0 trois mois, qui est d\u00e9termin\u00e9 dans chaque cas par la Banque nationale, et d'un suppl\u00e9ment de 10 points de pourcentage, la valeur ainsi calcul\u00e9e \u00e9tant arrondie au nombre entier sup\u00e9rieur ou inf\u00e9rieur le plus proche.<\/p>\n<p>Actuellement, cela se traduit par un taux d'int\u00e9r\u00eat maximal de <strong>10 %.<\/strong><\/p>\n<h2>Quel impact n\u00e9gatif cette modification du taux d'int\u00e9r\u00eat maximal sur les pr\u00eats \u00e0 la consommation pourrait-elle avoir pour le consommateur ?<\/h2>\n<p>A l'occasion de l'introduction du taux d'int\u00e9r\u00eat maximal, divers arguments ont \u00e9t\u00e9 avanc\u00e9s contre son introduction.<\/p>\n<ul>\n<li>Les personnes qui ne pr\u00e9sentaient pas les meilleures qualit\u00e9s de d\u00e9biteur ne pouvaient plus obtenir de pr\u00eats \u00e0 l'avenir.<\/li>\n<li>Des pr\u00eats moins g\u00e9n\u00e9reux en raison de la baisse des rendements en seront la cons\u00e9quence.<\/li>\n<li>Il pourrait pousser le consommateur \u00e0 l'ill\u00e9galit\u00e9<\/li>\n<\/ul>\n<article><strong>Un taux d'int\u00e9r\u00eat maximal de 12% serait donc une solution raisonnable. Les banques de cr\u00e9dit pourraient continuer \u00e0 accorder des pr\u00eats au m\u00eame taux, m\u00eame si les rendements baissent mod\u00e9r\u00e9ment. En tant que consommateur, vous en b\u00e9n\u00e9ficiez donc doublement.<\/strong>&nbsp;<\/article>\n<article>&nbsp;<\/article>\n<article><\/article>\n<article><\/article>\n<p>Sauvegarder l'article en PDF :&nbsp;<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/1fbd30fe70bb52e839f8525adbf75a2c.pdf\">Adaptation du taux d'int\u00e9r\u00eat maximal des pr\u00eats \u00e0 la consommation au niveau des taux d'int\u00e9r\u00eat bas.pdf<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Le Conseil f\u00e9d\u00e9ral veut r\u00e9duire le taux d'int\u00e9r\u00eat maximal pour les pr\u00eats \u00e0 la consommation de 15% actuellement \u00e0 10%. Le vendredi 5 d\u00e9cembre 2014, elle a ouvert la proc\u00e9dure de consultation pour une modification correspondante de l'ordonnance relative \u00e0 la loi sur le cr\u00e9dit \u00e0 la consommation. Elle propose \u00e9galement d'introduire un m\u00e9canisme de calcul simple et clair pour l'avenir et de l'inscrire dans une ordonnance.<\/p>","protected":false},"author":2,"featured_media":467,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"1","_seopress_titles_title":"Neue Regeln: H\u00f6chstzinssatz f\u00fcr Konsumkredite sinkt!","_seopress_titles_desc":"Erfahren Sie, wie der angepasste H\u00f6chstzinssatz f\u00fcr Konsumkredite Schutz vor \u00dcberschuldung bietet.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"default","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":"default","adv-header-id-meta":null,"stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","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-460","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\/460","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=460"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts\/460\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media\/467"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media?parent=460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/categories?post=460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/tags?post=460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}