{"id":23096,"date":"2022-03-21T11:19:00","date_gmt":"2022-03-21T10:19:00","guid":{"rendered":"https:\/\/avoloi.eu\/?p=23096"},"modified":"2022-03-21T11:19:00","modified_gmt":"2022-03-21T10:19:00","slug":"contracter-credit-consommation","status":"publish","type":"post","link":"https:\/\/avoloi.fr\/blog\/contracter-credit-consommation\/","title":{"rendered":"Ce qu&rsquo;il faut savoir avant de contracter un cr\u00e9dit consommation"},"content":{"rendered":"<p>Il existe diff\u00e9rents types de <a href=\"https:\/\/avoloi.eu\/credit-a-la-consommation-vos-recours-en-cas-de-litige\/\">cr\u00e9dits \u00e0 la consommation<\/a> et avant d&rsquo;en contracter un chez un pr\u00eateur, il est important de conna\u00eetre les caract\u00e9ristiques principales de ces pr\u00eats ainsi que les informations dont vous devez \u00eatre en possession avant de signer. La v\u00e9rification de la solvabilit\u00e9 est \u00e9galement un crit\u00e8re important \u00e0 prendre en compte.<\/p>\n<h2><strong>Les diff\u00e9rents types de cr\u00e9dits \u00e0 la consommation<\/strong><\/h2>\n<p>Un cr\u00e9dit \u00e0 la consommation peut \u00eatre accord\u00e9 sous forme de pr\u00eat, qu&rsquo;il soit amortissable ou renouvelable. Toutefois, l&rsquo;autorisation de d\u00e9couvert ou le d\u00e9lai de paiement peuvent aussi \u00eatre rang\u00e9s dans la cat\u00e9gorie des pr\u00eats \u00e0 la consommation. Les types de pr\u00eats sont les suivants :<\/p>\n<ul>\n<li>Le cr\u00e9dit personnel : le pr\u00eateur met \u00e0 votre disposition une somme d&rsquo;argent d\u00e9finie \u00e0 l&rsquo;avance, que vous pouvez utiliser librement ;<\/li>\n<li>Le cr\u00e9dit affect\u00e9 : dans ce cas, c&rsquo;est l&rsquo;achat d&rsquo;un bien ou d&rsquo;un service sp\u00e9cifiques qui sont li\u00e9s au pr\u00eat. Il arrive que le pr\u00eateur paye directement le cr\u00e9ancier, c&rsquo;est notamment le cas pour les pr\u00eats travaux ;<\/li>\n<li>Le cr\u00e9dit renouvelable : une somme d&rsquo;argent est mise \u00e0 votre disposition, dont vous disposez librement, que vous pouvez d\u00e9penser en une seule ou plusieurs fois et qui se renouvelle au fil des <a href=\"https:\/\/avoloi.eu\/remboursement-credit-immobilier\/\">remboursements<\/a>. Ce type de cr\u00e9dit est tr\u00e8s encadr\u00e9 pour \u00e9viter le surendettement ;<\/li>\n<li>Le microcr\u00e9dit personnel : il sert souvent \u00e0 financer un projet personnel destin\u00e9 \u00e0 am\u00e9liorer la situation de l&#8217;emprunteur ;<\/li>\n<li>Le pr\u00eat \u00e9tudiant : sp\u00e9cialement destin\u00e9 \u00e0 payer les frais de scolarit\u00e9 pour des \u00e9tudes sup\u00e9rieures. De nombreux pr\u00eats \u00e9tudiants proposent de diff\u00e9rer le d\u00e9but du remboursement \u00e0 la fin des \u00e9tudes ou au premier contrat ;<\/li>\n<li>L&rsquo;autorisation de d\u00e9couvert : la banque vous autorise \u00e0 d\u00e9passer le solde disponible sur votre compte. Dans ce cas, les int\u00e9r\u00eats deviennent des agios.<\/li>\n<\/ul>\n<h2><strong>Montants et dur\u00e9es d&rsquo;un cr\u00e9dit \u00e0 la consommation<\/strong><\/h2>\n<p>Il existe une large gamme de cr\u00e9dits \u00e0 la consommation mais en-de\u00e7\u00e0 et au-del\u00e0 d&rsquo;une certaine somme, les pr\u00eats accord\u00e9s n&rsquo;entrent plus dans la m\u00eame cat\u00e9gorie. Prenez garde si un pr\u00eateur propose des sommes sup\u00e9rieures pour des taux d&rsquo;int\u00e9r\u00eat \u00e9quivalents.<\/p>\n<h3><strong>Montants minimum et maximum<\/strong><\/h3>\n<p>Il a \u00e9t\u00e9 \u00e9tabli que tout pr\u00eat accord\u00e9 pour un montant inf\u00e9rieur \u00e0 200 euros ne peut \u00eatre plac\u00e9 dans la cat\u00e9gorie des pr\u00eats \u00e0 la consommation. De m\u00eame, le pr\u00eat accord\u00e9 ne peut exc\u00e9der 75 000 euros. Il n&rsquo;existe que deux exceptions \u00e0 cette derni\u00e8re r\u00e8gle :<\/p>\n<ul>\n<li>S&rsquo;il s&rsquo;agit d&rsquo;un regroupement de cr\u00e9dits ;<\/li>\n<li>Si la somme sert \u00e0 financer des travaux dans un immeuble \u00e0 usage d&rsquo;habitation (ou mixte).<\/li>\n<\/ul>\n<p>Attention, pour \u00eatre valable, le cr\u00e9dit ne peut \u00eatre garanti par une hypoth\u00e8que ou toute autre s\u00fbret\u00e9.<\/p>\n<h3><strong>Dur\u00e9e d&rsquo;un cr\u00e9dit \u00e0 la consommation<\/strong><\/h3>\n<p>Un pr\u00eat \u00e0 la consommation doit \u00eatre sup\u00e9rieur \u00e0 un mois pour \u00eatre qualifi\u00e9 comme tel mais \u00e0 part dans le cas des cr\u00e9dits renouvelables, il n&rsquo;existe pas de limite \u00e0 la dur\u00e9e de remboursement. Toutefois, la plupart des pr\u00eateurs choisissent de ne pas exc\u00e9der 60 mois.<br \/>Pour les cr\u00e9dits renouvelables, la dur\u00e9e maximum d&#8217;emprunt ne peut d\u00e9passer trois ans (36 mois) si le montant emprunt\u00e9 est inf\u00e9rieur \u00e0 3000 euros. Si cette somme est sup\u00e9rieure, la dur\u00e9e de remboursement est plafonn\u00e9e \u00e0 cinq ans (60 mois).<\/p>\n<h2><strong>Les informations que le pr\u00eateur doit fournir avant signature<\/strong><\/h2>\n<p>Tout pr\u00eateur ou \u00e9tablissement de cr\u00e9dit a l&rsquo;obligation de vous fournir une fiche explicative pour faciliter votre compr\u00e9hension et vous permettre de choisir l&rsquo;offre de cr\u00e9dit la plus adapt\u00e9e \u00e0 votre situation. Si vous sollicitez un cr\u00e9dit \u00e0 la consommation et que le pr\u00eateur est potentiellement dispos\u00e9 \u00e0 vous l&rsquo;accorder, la fiche doit contenir les informations suivantes :<\/p>\n<ul>\n<li>Identit\u00e9 du pr\u00eateur : \u00e9galement son adresse et celle de son interm\u00e9diaire le cas \u00e9ch\u00e9ant ;<\/li>\n<li>Type de cr\u00e9dit propos\u00e9 : renouvelable, personnel, affect\u00e9&#8230;<\/li>\n<li>Montant total du cr\u00e9dit : les conditions de mise \u00e0 disposition des fonds doivent \u00e9galement \u00eatre pr\u00e9cis\u00e9es ;<\/li>\n<li>Dur\u00e9e propos\u00e9e pour le cr\u00e9dit ;<\/li>\n<li>\u00c9ch\u00e9ances : le montant, le nombre et la p\u00e9riodicit\u00e9 des versements doivent \u00eatre pr\u00e9cis\u00e9s ;<\/li>\n<li>Montant total d\u00fb : les int\u00e9r\u00eats et l&rsquo;assurance sont inclus.<\/li>\n<\/ul>\n<p>Le pr\u00eateur est libre de vous fournir tout autre document destin\u00e9 \u00e0 faciliter votre compr\u00e9hension. Il doit \u00e9galement vous fournir des explications compl\u00e9mentaires sur le cr\u00e9dit que vous souhaitez, notamment les cons\u00e9quences sur votre situation financi\u00e8re et votre taux d&rsquo;endettement.<\/p>\n<h2><strong>La v\u00e9rification de la solvabilit\u00e9<\/strong><\/h2>\n<p>Pour v\u00e9rifier votre solvabilit\u00e9 et s&rsquo;assurer que vous \u00eates en capacit\u00e9 de rembourser le cr\u00e9dit contract\u00e9, le pr\u00eateur vous demandera des informations sur vos ressources et sur vos charges mensuelles. Il peut \u00e9galement consulter le Fichier national des incidents de remboursement des cr\u00e9dits aux particuliers (FICP).<\/p>\n<p>L&rsquo;absence de v\u00e9rification de votre solvabilit\u00e9 ou le d\u00e9faut de pr\u00e9sentation d&rsquo;une fiche explicative peuvent entra\u00eener une d\u00e9ch\u00e9ance totale ou partielle du droit aux int\u00e9r\u00eats.<\/p>\n<p><em>Image : <a href=\"https:\/\/unsplash.com\/@cardmapr?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\" target=\"_blank\" rel=\"noopener\">CardMapr<\/a>\u00a0on\u00a0<a href=\"https:\/\/unsplash.com\/s\/photos\/cr%C3%A9dit?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\" target=\"_blank\" rel=\"noopener\">Unsplash<\/a><\/em><\/p>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il existe diff\u00e9rents types de cr\u00e9dits \u00e0 la consommation et avant d&rsquo;en contracter un, il est important de conna\u00eetre les caract\u00e9ristiques principales &#8230;<\/p>\n","protected":false},"author":2,"featured_media":23097,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[279],"tags":[13,422,14],"class_list":["post-23096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-bancaire-droit-de-la-consommation","tag-credit","tag-credit-consommation","tag-droit-bancaire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ce qu&#039;il faut savoir avant de contracter un cr\u00e9dit consommation - Le blog Avoloi<\/title>\n<meta name=\"description\" content=\"Qu&#039;est-ce qu&#039;il faut savoir avant de contracter un cr\u00e9dit consommation ? 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