{"id":1082,"date":"2019-03-12T15:17:39","date_gmt":"2019-03-12T19:17:39","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/les-couts-du-credit\/"},"modified":"2019-05-15T09:26:37","modified_gmt":"2019-05-15T13:26:37","slug":"les-couts-du-credit","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/credit-pret-et-endettement\/les-couts-du-credit\/","title":{"rendered":"Les co\u00fbts du cr\u00e9dit"},"content":{"rendered":"<p>Parce que les occasions d\u2019endettement sont nombreuses et que vous pouvez faire autre chose avec votre argent que de payer des int\u00e9r\u00eats.<\/p>\n<h2><strong>Plus le taux d\u2019int\u00e9r\u00eat est \u00e9lev\u00e9, plus l\u2019emprunt co\u00fbte cher<\/strong><\/h2>\n<p>Le co\u00fbt total d\u2019un achat \u00e0 cr\u00e9dit d\u00e9pend de 3 choses : le montant de l\u2019emprunt, le taux d\u2019int\u00e9r\u00eat et la p\u00e9riode fix\u00e9e pour le remboursement. C\u2019est pourquoi, avant d\u2019emprunter pour acheter un bien ou un service, mieux vaut accumuler le plus d\u2019argent comptant possible. De cette fa\u00e7on, vous r\u00e9duirez \u00e0 la fois le montant de l\u2019emprunt \u00e0 rembourser et la dur\u00e9e des paiements.<\/p>\n<p>Id\u00e9alement, si vous pouvez payer comptant le bien ou le service, ce sera encore mieux pour votre tranquillit\u00e9 d\u2019esprit.<\/p>\n<table data-wrap-id=\"table-id-fczuw\">\n<tbody>\n<tr data-wrap-id=\"table-row-yrlyx\">\n<td data-wrap-id=\"table-cell-whxav\">\n<p class=\"ql-align-center\"><strong>Montant du pr\u00eat<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-gxdbk\">\n<p class=\"ql-align-center\"><strong>Taux d\u2019int\u00e9r\u00eat<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-xfwro\">\n<p class=\"ql-align-center\"><strong>P\u00e9riode de remboursement<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-sutdf\">\n<p class=\"ql-align-center\"><strong>Montant pay\u00e9 en surplus pour d\u00e9frayer les int\u00e9r\u00eats<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr data-wrap-id=\"table-row-fcflq\">\n<td data-wrap-id=\"table-cell-ctrjz\">\n<p class=\"ql-align-center\">2 000 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-cykvd\">\n<p class=\"ql-align-center\"><strong>10<\/strong> %<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-nlnda\">\n<p class=\"ql-align-center\">Sur 2 ans<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-nsptg\">\n<p class=\"ql-align-center\"><strong>215 $<\/strong> pour un total de <strong>2 215 $<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr data-wrap-id=\"table-row-zvbdd\">\n<td data-wrap-id=\"table-cell-vwrmz\">\n<p class=\"ql-align-center\">2 000 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-novji\">\n<p class=\"ql-align-center\"><strong>30<\/strong> %<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-rryoy\">\n<p class=\"ql-align-center\">Sur 2 ans<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-wxgzt\">\n<p class=\"ql-align-center\"><strong>683 $<\/strong> pour un total de <strong>2 683 $<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><strong>Plus la p\u00e9riode de remboursement est longue, plus l\u2019emprunt co\u00fbte cher<\/strong><\/h2>\n<p>Vous pouvez \u00eatre tent\u00e9 d\u2019\u00e9chelonner le paiement de votre emprunt sur une plus longue p\u00e9riode afin de diminuer le montant de vos versements, mais la facture totale sera plus \u00e9lev\u00e9e. C\u2019est pourquoi il vaut mieux emprunter le moins possible, pour le moins de temps possible.<\/p>\n<table data-wrap-id=\"table-id-tgdbp\">\n<tbody>\n<tr data-wrap-id=\"table-row-hzwws\">\n<td data-wrap-id=\"table-cell-wlmua\">\n<p class=\"ql-align-center\"><strong>Montant du pr\u00eat<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-lgngi\">\n<p class=\"ql-align-center\"><strong>Taux d\u2019int\u00e9r\u00eat<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-hahaq\">\n<p class=\"ql-align-center\"><strong>P\u00e9riode de remboursement<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-olbop\">\n<p class=\"ql-align-center\"><strong>Montant pay\u00e9 en surplus pour d\u00e9frayer les int\u00e9r\u00eats<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr data-wrap-id=\"table-row-oyxit\">\n<td data-wrap-id=\"table-cell-zkipf\">\n<p class=\"ql-align-center\">2 000 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-gclhf\">\n<p class=\"ql-align-center\">10 %<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-tibah\">\n<p class=\"ql-align-center\">Sur <strong>2 ans<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-guoyo\">\n<p class=\"ql-align-center\"><strong>215 $<\/strong> pour un total de <strong>2 215 $<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr data-wrap-id=\"table-row-faygc\">\n<td data-wrap-id=\"table-cell-dfjsr\">\n<p class=\"ql-align-center\">2 000 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-aibso\">\n<p class=\"ql-align-center\">10 %<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-mzdmx\">\n<p class=\"ql-align-center\">Sur <strong>4 ans<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-ltuoq\">\n<p class=\"ql-align-center\"><strong>435 $<\/strong> pour un total de <strong>2 435 $<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Notez que les exemples ci-dessus sont calcul\u00e9s sur la base de remboursements mensuels. La fr\u00e9quence des remboursements (ex. : hebdomadaire, bimensuelle, mensuelle, etc.) peut aussi influencer le co\u00fbt total des emprunts.<\/p>\n<h3><strong><em>Le saviez-vous?<\/em><\/strong><\/h3>\n<p>Pour conna\u00eetre le taux d\u2019int\u00e9r\u00eat quotidien d\u2019une carte de cr\u00e9dit, il suffit de diviser le taux d\u2019int\u00e9r\u00eat annuel par le nombre de jours dans une ann\u00e9e. Ainsi, si une carte a un taux d\u2019int\u00e9r\u00eat annuel de 28 %, son taux d\u2019int\u00e9r\u00eat quotidien est de 0,0767 %. Vous paieriez donc 0,77 $ d\u2019int\u00e9r\u00eat par jour pour un solde impay\u00e9 de 1 000 $.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Parce que les occasions d\u2019endettement sont nombreuses et que vous pouvez faire autre chose avec votre argent que de payer des int\u00e9r\u00eats. Le co\u00fbt total d\u2019un achat \u00e0 cr\u00e9dit d\u00e9pend de 3 choses : le montant de l\u2019emprunt, le taux d\u2019int\u00e9r\u00eat et la p\u00e9riode fix\u00e9e pour le remboursement. C\u2019est pourquoi, avant d\u2019emprunter pour acheter un [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[59],"tags":[],"class_list":["post-1082","post","type-post","status-publish","format-standard","hentry","category-credit-pret-et-endettement"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les co\u00fbts du cr\u00e9dit | Caisse Alliance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/credit-pret-et-endettement\/les-couts-du-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les co\u00fbts du cr\u00e9dit | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Parce que les occasions d\u2019endettement sont nombreuses et que vous pouvez faire autre chose avec votre argent que de payer des int\u00e9r\u00eats. Le co\u00fbt total d\u2019un achat \u00e0 cr\u00e9dit d\u00e9pend de 3 choses : le montant de l\u2019emprunt, le taux d\u2019int\u00e9r\u00eat et la p\u00e9riode fix\u00e9e pour le remboursement. 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