{"id":10958,"date":"2024-02-07T11:19:12","date_gmt":"2024-02-07T09:19:12","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=10958"},"modified":"2025-11-04T17:07:37","modified_gmt":"2025-11-04T15:07:37","slug":"je-me-protege-contre-perte-emploi","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/je-me-protege-contre-perte-emploi\/","title":{"rendered":"Je me prot\u00e8ge contre les cons\u00e9quences d'une perte d'emploi"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Temps estim\u00e9 : 5 minutes<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perdre son emploi, \u00e7a peut arriver \u00e0 tout le monde !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On pr\u00e9f\u00e8re sans doute ne pas trop y penser, pourtant il est pr\u00e9f\u00e9rable d'anticiper une \u00e9ventuelle perte de revenus, pour pouvoir y faire face plus facilement. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-bonnes-raisons\">4 bonnes raisons de se prot\u00e9ger <\/h2>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/ldMewLJhTZU?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"4 bonnes raisons de se pr\u00e9munir en cas de perte emploi\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">\u201cLicenciement, plan social\u2026 ou encore d\u00e9p\u00f4t de bilan de sa propre entreprise \u2026 ces coups durs de la vie arrivent  soudainement sans qu\u2019on n\u2019y soit vraiment pr\u00e9par\u00e9. Et \u00e7a peut  arriver \u00e0 tout le monde ! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quand on perd son emploi, on a souvent des difficult\u00e9s \u00e0 g\u00e9rer cette baisse de revenus. dans de bonnes conditions.  Anticiper, c'est essentiel pour faire face financi\u00e8rement et le plus sereinement possible. Et voici pourquoi !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1\u00e8re raison : pour pouvoir payer les d\u00e9penses essentielles du quotidien<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se nourrir, faire le plein pour sa voiture, se soigner correctement\u2026 r\u00e9ussir \u00e0 boucler ses fins de mois, quoi !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2\u00e8me raison : pour continuer \u00e0 payer les charges importantes et in\u00e9vitables<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comme par exemple son loyer, l\u2019\u00e9lectricit\u00e9, Internet, son smartphone ou rembourser son cr\u00e9dit...<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3\u00e8me raison : pour pouvoir maintenir un niveau de vie suffisant pour sa famille\u2026 :<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2026et ne pas trop se serrer la ceinture, du jour au lendemain, par exemple sur les loisirs\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4\u00e8me raison : pour ne pas tirer un trait sur ses projets<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voyages, formation, cr\u00e9ation d\u2019entreprises, achat d\u2019un v\u00e9hicule\u2026 pour aller de l\u2019avant et retrouver un nouvel emploi rapidement !\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se prot\u00e9ger contre les  cons\u00e9quences d\u2019une perte d\u2019emploi, \u00e7a ne s\u2019improvise pas : \u00e7a se pr\u00e9voit !\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les cl\u00e9s pour se pr\u00e9munir<\/h2>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/JL8cH5n9_lw?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"L&amp;apos;\u00e9claireur - Les cl\u00e9s pour se pr\u00e9munir contre une perte d&amp;apos;emploi\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"Bonjour Alain<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alain, aujourd\u2019hui, vous allez nous parler de la perte d\u2018emploi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pensez-vous qu\u2019il est possible de l\u2019anticiper pour mieux se prot\u00e9ger ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"Au cours de ma carri\u00e8re et de ma vie, j\u2019ai pu constater que perdre son emploi est un moment souvent compliqu\u00e9, parfois inattendu, qui perturbe les finances personnelles. Le mieux est donc de s'y pr\u00e9parer.\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Justement, pour limiter la casse sur nos finances et sur notre budget, quelles sont les priorit\u00e9s ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"D'abord, par pr\u00e9caution, \u00e9pargner r\u00e9guli\u00e8rement pour avoir un peu d'argent d'avance et pour g\u00e9rer le moment venu la transition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame les petites sommes mises de c\u00f4t\u00e9 seront les bienvenues en cas de coups durs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ensuite, ne laissez pas un d\u00e9couvert perdurer ou s'aggraver. Et enfin, sachez qu'il est possible de s'assurer contre la perte d'emploi au moment de souscrire ses cr\u00e9dits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais \u00e7a ne suffit pas : bien r\u00e9agir c'est la cl\u00e9.\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Justement, comment bien r\u00e9agir face \u00e0 cette situation ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"D\u2019abord, informez le plus t\u00f4t possible votre banque de votre situation. Vous verrez avec elle tous les  am\u00e9nagements possibles pour vos comptes, vos moyens de paiement et vos cr\u00e9dits, le  temps de retrouver un emploi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Inscrivez-vous rapidement sur <a href=\"https:\/\/www.francetravail.fr\/accueil\/\" target=\"_blank\" rel=\"noreferrer noopener\">France Travail<\/a> (anciennement P\u00f4le Emploi), pour b\u00e9n\u00e9ficier des indemnit\u00e9s auxquelles vous avez droit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, si vous \u00eates d\u00e9j\u00e0 allocataire de la Caisse des Allocations Familiales (CAF) mettez \u00e0 jour votre situation car vous pouvez peut-\u00eatre toucher de nouvelles aides.\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C\u00f4t\u00e9 budget, comment peut-on s\u2019adapter au mieux \u00e0 cette baisse de revenus ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"Evidemment, avec moins de  revenus, il va falloir adapter vos d\u00e9penses !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines ne peuvent pas \u00eatre  supprim\u00e9es comme les mensualit\u00e9s de cr\u00e9dit, le loyer, l\u2019assurance, les factures du quotidien\u2026 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019autres d\u00e9penses peuvent  \u00eatre diminu\u00e9es, diff\u00e9r\u00e9es voire m\u00eame supprim\u00e9es en attendant des jours meilleurs ...\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Existe-t-il des outils pour nous aider ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"Vous pouvez utiliser des applis comme pilote budget et pilote d\u00e9penses. Des sites Internet publics permettent de v\u00e9rifier vos droits et ainsi toucher toutes les aides dont vous pouvez b\u00e9n\u00e9ficier.\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Et si j'ai besoin d'\u00eatre accompagn\u00e9 ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"Vous pouvez vous faire accompagner gratuitement par un Point conseil  budget (PCB),  proche de chez vous. Vous trouverez les coordonn\u00e9es sur Internet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Attention : la plupart des aides ne sont pas automatiques, ne tardez pas pour faire votre demande !\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comment g\u00e9rer son budget avec des cr\u00e9dits en cours ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"V\u00e9rifiez votre contrat de  cr\u00e9dit : vous avez peut-e\u0302tre la possibilite\u0301 de r\u00e9duire ou reporter de quelques mois vos mensualit\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sinon parlez-en quand m\u00eame avec votre banquier. Si vous avez souscrit une  assurance perte d\u2019emploi, pensez \u00e0 l\u2019activer car les d\u00e9lais sont un peu longs.\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Existe-t-il des aides pour retrouver un emploi ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"Oui, il existe plusieurs aides et  financements pour se former ou cr\u00e9er son entreprise :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Le microcr\u00e9dit  accompagn\u00e9<\/li><li>Les pr\u00eats solidaire<\/li><li>ou les aides sp\u00e9ciales ch\u00f4mage<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ne restez pas tout seul dans  votre coin. Rebondir rapidement, c\u2019est ce qu\u2019il y a de mieux \u00e0 faire.\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1 derni\u00e8re info ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\"Anticipez, surveillez votre budget et renseignez-vous sur toutes ces aides ! La perte d\u2019emploi, c\u2019est important de s\u2019y pr\u00e9parer et de bien r\u00e9agir, pour faire valoir vos droits... et repartir du bon pied !\"<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Les mots \u00e0 conna\u00eetre<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/PCB.jpg\" alt=\"\" class=\"wp-image-11100\" width=\"180\" height=\"201\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/PCB.jpg 180w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/PCB-72x80.jpg 72w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/PCB-45x50.jpg 45w\" sizes=\"auto, (max-width: 180px) 100vw, 180px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">Labellis\u00e9 par l\u2019\u00c9tat, le <strong>Point Conseil Budget<\/strong> est une structure d\u2019accueil qui peut vous accompagner gratuitement et de mani\u00e8re personnalis\u00e9e dans la gestion de votre budget notamment afin d\u2019\u00e9viter le surendettement.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"182\" height=\"186\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/niveau-de-vie-3.jpg\" alt=\"\" class=\"wp-image-11139\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/niveau-de-vie-3.jpg 182w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/niveau-de-vie-3-78x80.jpg 78w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/niveau-de-vie-3-49x50.jpg 49w\" sizes=\"auto, (max-width: 182px) 100vw, 182px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">Le <strong>niveau de vie <\/strong>fait r\u00e9f\u00e9rence \u00e0 la qualit\u00e9 et quantit\u00e9 de biens et services qu\u2019une personne ou un m\u00e9nage peut s\u2019approprier. Il est fonction de ses revenus et de son patrimoine.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/budget-1.jpg\" alt=\"\" class=\"wp-image-11113\" width=\"208\" height=\"216\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/budget-1.jpg 208w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/budget-1-77x80.jpg 77w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/budget-1-48x50.jpg 48w\" sizes=\"auto, (max-width: 208px) 100vw, 208px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">Le <strong>budget <\/strong>permet de regrouper en un seul endroit les montants des d\u00e9penses et ressources du m\u00e9nage. Que ce soit sur un tableau ou une application d\u00e9di\u00e9e, il est important de le tenir pour pouvoir \u00e9pargner et ne pas se surendetter.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"195\" height=\"195\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/charges-3.jpg\" alt=\"\" class=\"wp-image-11140\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/charges-3.jpg 195w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/charges-3-150x150.jpg 150w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/charges-3-180x180.jpg 180w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/charges-3-80x80.jpg 80w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/charges-3-50x50.jpg 50w\" sizes=\"auto, (max-width: 195px) 100vw, 195px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">Les <strong>charges <\/strong>sont des d\u00e9penses fixes, obligatoires, \u00e0 payer \u00e0 \u00e9ch\u00e9ances r\u00e9guli\u00e8res. Il s\u2019agit principalement des imp\u00f4ts et des d\u00e9penses r\u00e9sultant de contrats&nbsp;:&nbsp; les factures d'\u00e9lectricit\u00e9, le loyer, les assurances, les remboursements de cr\u00e9dit. Souvent li\u00e9es au logement, elles constituent une part importante des d\u00e9penses dans le budget familial.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/decouvert.jpg\" alt=\"\" class=\"wp-image-11122\" width=\"180\" height=\"182\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/decouvert.jpg 180w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/decouvert-79x80.jpg 79w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/decouvert-49x50.jpg 49w\" sizes=\"auto, (max-width: 180px) 100vw, 180px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">Le \u00ab\u00a0<strong>d\u00e9couvert <\/strong>autoris\u00e9\u00a0\u00bb ou l\u2019<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/autorisation-decouvert\/\" target=\"_blank\" rel=\"noreferrer noopener\">autorisation de d\u00e9couvert<\/a> est un accord \u00e9crit et pr\u00e9alable qui fixe les conditions de fonctionnement d\u2019un compte bancaire d\u00e9biteur (montant, dur\u00e9e et modalit\u00e9 de remboursement)\u00a0: le compte peut fonctionner avec un solde inf\u00e9rieur \u00e0 0.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/mensualite-2.jpg\" alt=\"\" class=\"wp-image-11153\" width=\"200\" height=\"203\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/mensualite-2.jpg 267w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/mensualite-2-79x80.jpg 79w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/mensualite-2-247x250.jpg 247w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/mensualite-2-49x50.jpg 49w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">La mensualit\u00e9 de cr\u00e9dit, c\u2019est la somme d'argent pay\u00e9e chaque mois par l'<strong>emprunteur<\/strong>&nbsp;\u00e0 la banque en remboursement du<strong>&nbsp;pr\u00eat<\/strong>. Elle est calcul\u00e9e en fonction du montant que vous avez emprunt\u00e9, du montant que vous devez payer en plus du remboursement du capital (int\u00e9r\u00eats, assurance\u2026) et de la dur\u00e9e de remboursement.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/micro-credit-1.jpg\" alt=\"\" class=\"wp-image-11154\" width=\"188\" height=\"200\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/micro-credit-1.jpg 250w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/micro-credit-1-75x80.jpg 75w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/micro-credit-1-235x250.jpg 235w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/micro-credit-1-47x50.jpg 47w\" sizes=\"auto, (max-width: 188px) 100vw, 188px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">Le <strong>microcr\u00e9dit <\/strong>est un cr\u00e9dit \u00e0 la consommation accord\u00e9 par une banque, par l\u2019interm\u00e9diaire d\u2019un r\u00e9seau d\u2019accompagnement social. Il est destin\u00e9 aux personnes ne pouvant pas pr\u00e9tendre au cr\u00e9dit bancaire classique (faibles ressources, situation professionnelle pr\u00e9caire). Il aide \u00e0 financer des d\u00e9penses pouvant am\u00e9liorer leur situation : permis de conduire, soins de sant\u00e9, formation professionnelle etc.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/creancier-3.jpg\" alt=\"\" class=\"wp-image-11151\" width=\"186\" height=\"203\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/creancier-3.jpg 248w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/creancier-3-73x80.jpg 73w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/creancier-3-229x250.jpg 229w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/creancier-3-46x50.jpg 46w\" sizes=\"auto, (max-width: 186px) 100vw, 186px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">Un <strong>cr\u00e9ancier <\/strong>est une personne, une entreprise, etc. \u00e0 qui vous devez de l\u2019argent. Il peut s\u2019agir d\u2019une banque pour le cr\u00e9dit que vous lui remboursez ou d\u2019un commer\u00e7ant pour le paiement d\u2019un service... fournisseur d\u2019\u00e9nergie, propri\u00e9taire, Tr\u00e9sor public\u2026 Vous \u00eates le d\u00e9biteur.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"174\" height=\"196\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/echeancier-1.jpg\" alt=\"\" class=\"wp-image-11144\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/echeancier-1.jpg 174w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/echeancier-1-71x80.jpg 71w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/echeancier-1-44x50.jpg 44w\" sizes=\"auto, (max-width: 174px) 100vw, 174px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\"><strong>L'\u00e9ch\u00e9ancier<\/strong>, c\u2019est le document qui vous indique pour chaque mois le montant et la date de paiement. Il peut s\u2019agir du remboursement d\u2019un cr\u00e9dit ou du paiement d\u2019une dette ou facture, par exemple d\u2019\u00e9nergie, en plusieurs fois.&nbsp;<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"182\" height=\"187\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/acre-1.jpg\" alt=\"\" class=\"wp-image-11145\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/acre-1.jpg 182w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/acre-1-78x80.jpg 78w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/acre-1-49x50.jpg 49w\" sizes=\"auto, (max-width: 182px) 100vw, 182px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\"><strong>L'ACRE<\/strong>, c\u2019est une Aide \u00e0 la Cr\u00e9ation ou \u00e0 la Reprise d'une Entreprise qui consiste en une exon\u00e9ration partielle de charges sociales, en d\u00e9but d'activit\u00e9, et d\u2019un accompagnement pendant les 1\u00e8res ann\u00e9es d'activit\u00e9.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Le quiz <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Perdre son emploi, \u00e7a peut arriver \u00e0 tout le monde\u2026 Autant se pr\u00e9munir du mieux possible !<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Vous avez bien suivi le module \"Je me prot\u00e8ge contre les cons\u00e9quences d'une perte d'emploi \" ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nous vous proposons un petit quiz rapide pour r\u00e9capituler tout cela. C'est parti !<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<section class=\"quizBlock quizBlock--step\" data-wp-interactive=\"cdb\/quiz\" data-wp-context=\"{&quot;displayMode&quot;:&quot;step&quot;,&quot;shuffleQuestions&quot;:false,&quot;shuffleAnswers&quot;:false,&quot;intervals&quot;:[{&quot;uid&quot;:&quot;i1&quot;,&quot;min&quot;:0,&quot;max&quot;:59,&quot;title&quot;:&quot;&quot;,&quot;text&quot;:&quot;Oups !\\n\\u003Cp\\u003ECe n\\u0027est pas encore \u00e7a ... Vous avez un peu de temps devant vous ?\\nUne petite r\u00e9vision ne serait pas inutile.\u00a0\\nT\u00e9l\u00e9chargez ici notre petit \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/Perte-emploi-Quiz.pdf\\u0022\\u003Er\u00e9capitulatif\\u003C\/a\\u003E\\u003C\/p\\u003E&quot;,&quot;image&quot;:&quot;&quot;,&quot;linkUrl&quot;:&quot;&quot;,&quot;linkLabel&quot;:&quot;&quot;},{&quot;uid&quot;:&quot;i2&quot;,&quot;min&quot;:60,&quot;max&quot;:100,&quot;title&quot;:&quot;&quot;,&quot;text&quot;:&quot;F\u00e9licitations !\\n\\u003Cp\\u003ERien ou presque ne vous\u00a0 a \u00e9chapp\u00e9. Vous avez les cl\u00e9s pour vous prot\u00e9ger contre les cons\u00e9quences d\\u0027une perte d\\u0027emploi.\\nT\u00e9l\u00e9chargez ici notre petit \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/Perte-emploi-Quiz.pdf\\u0022\\u003Er\u00e9capitulatif\\u003C\/a\\u003E!\\u003C\/p\\u003E&quot;,&quot;image&quot;:&quot;&quot;,&quot;linkUrl&quot;:&quot;&quot;,&quot;linkLabel&quot;:&quot;&quot;}],&quot;labels&quot;:{&quot;questionCounter&quot;:&quot;Question {current} sur {total}&quot;,&quot;previous&quot;:&quot;Pr\u00e9c\u00e9dent&quot;,&quot;next&quot;:&quot;Suivant&quot;,&quot;submit&quot;:&quot;Voir mon r\u00e9sultat&quot;,&quot;restart&quot;:&quot;Recommencer le quiz&quot;,&quot;answerRequired&quot;:&quot;S\u00e9lectionnez au moins une r\u00e9ponse pour continuer.&quot;,&quot;score&quot;:&quot;Votre score : {score} \/ {total}&quot;,&quot;recapTitle&quot;:&quot;D\u00e9tail de vos r\u00e9ponses&quot;,&quot;correct&quot;:&quot;Bonne r\u00e9ponse&quot;,&quot;incorrect&quot;:&quot;Mauvaise r\u00e9ponse&quot;,&quot;expectedAnswers&quot;:&quot;R\u00e9ponse attendue :&quot;,&quot;check&quot;:&quot;Valider ma r\u00e9ponse&quot;}}\" data-wp-init=\"callbacks.init\"><noscript><p class=\"quizBlock__noscript\">Ce quiz n\u00e9cessite JavaScript pour \u00eatre valid\u00e9 et corrig\u00e9.<\/p><\/noscript><div class=\"quizBlock__progress\" hidden><p class=\"quizBlock__progressText\" aria-live=\"polite\"><\/p><div class=\"quizBlock__progressBar\" role=\"progressbar\" aria-valuemin=\"0\" aria-valuemax=\"5\" aria-valuenow=\"0\"><div class=\"quizBlock__progressFill\"><\/div><\/div><\/div><form class=\"quizBlock__form\" novalidate data-wp-on--submit=\"actions.submit\" data-wp-on--change=\"actions.change\"><fieldset class=\"quizBlock__question\" data-question-uid=\"q89\" data-type=\"single\"><legend class=\"quizBlock__legend\">Encha\u00eener les cr\u00e9dits, n\u2019est pas une tr\u00e8s bonne id\u00e9e\u2026<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/perte-emploi-quiz-q1.jpg?_t=1705330623\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q89\" value=\"a243\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q89\" value=\"a244\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Faux<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Bravo !\r\nLa bonne r\u00e9ponse est Vrai. Au quotidien, ne laissez jamais un d\u00e9couvert perdurer ou s\u2019aggraver sur votre compte. Car en cas de coup dur, comme la perte de son emploi, il est tr\u00e8s difficile de r\u00e9agir financi\u00e8rement.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q90\" data-type=\"single\"><legend class=\"quizBlock__legend\">S\u2019inscrire \u00e0 P\u00f4le Emploi (France travail) lorsqu\u2019on perd son emploi, \u00e7a peut attendre !<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/perte-emploi-quiz-q2.jpg?_t=1705330744\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q90\" value=\"a245\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q90\" value=\"a246\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Faux<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Bravo !\r\nLa bonne r\u00e9ponse est Faux. Inscrivez-vous \u00e0 P\u00f4le Emploi rapidement pour b\u00e9n\u00e9ficier de toutes les indemnit\u00e9s auxquelles vous avez droit. Vous pourrez ainsi faire face aux d\u00e9penses du quotidien, et rechercher un nouvel emploi plus sereinement.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q91\" data-type=\"single\"><legend class=\"quizBlock__legend\">Il faut pr\u00e9venir sa banque d\u00e8s qu\u2019on est au ch\u00f4mage.<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/perte-emploi-quiz-q3.jpg?_t=1705330882\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q91\" value=\"a247\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q91\" value=\"a248\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Faux<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Bravo !\r\nLa bonne r\u00e9ponse est Vrai. La perte d\u2019un emploi aura in\u00e9vitablement des r\u00e9percussions sur vos finances. Prendre un rendez-vous avec votre conseiller est n\u00e9cessaire afin de voir ensemble comment adapter la gestion de vos cr\u00e9dits, de vos comptes, le temps de retrouver un emploi.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q92\" data-type=\"single\"><legend class=\"quizBlock__legend\">Lorsqu\u2019on perd son emploi, les aides se d\u00e9clenchent automatiquement.<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/perte-emploi-quiz-q4.jpg?_t=1705330987\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q92\" value=\"a249\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q92\" value=\"a250\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Faux<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Bravo !\r\nLa bonne r\u00e9ponse est Faux. C\u2019est \u00e0 vous de vous renseigner concernant les aides auxquelles vous avez droit. Que ce soit aupr\u00e8s de la Caisse d\u2019Allocations Familiales, ou d\u2019autres organismes. Rendez-vous sur le site www.mesdroitssociaux.gouv.fr afin de vous renseigner sur vos droits !<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q93\" data-type=\"single\"><legend class=\"quizBlock__legend\">Il existe des aides pour concr\u00e9tiser un nouveau projet lorsqu\u2019on est au ch\u00f4mage.<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/perte-emploi-quiz-q5.jpg?_t=1705331087\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q93\" value=\"a251\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz14-q93\" value=\"a252\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Faux<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Bravo !\r\n: La bonne r\u00e9ponse est Vrai. Vous pouvez vous tourner vers de nombreuses solutions qui vous aideront \u00e0 rebondir. Suivre une formation ou cr\u00e9er une entreprise peut \u00eatre une bonne id\u00e9e ! Pour les financer, vous pouvez faire appel au microcr\u00e9dit accompagn\u00e9 ou encore \u00e0 des pr\u00eats solidaires.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><div class=\"quizBlock__controls\" hidden><button type=\"button\" class=\"quizBlock__button quizBlock__button--previous\" data-wp-on--click=\"actions.previous\"><\/button><button type=\"button\" class=\"quizBlock__button quizBlock__button--next\" data-wp-on--click=\"actions.next\"><\/button><button type=\"submit\" class=\"quizBlock__button quizBlock__button--submit\"><\/button><\/div><\/form><div class=\"quizBlock__result\" role=\"status\" aria-live=\"polite\" tabindex=\"-1\" hidden><\/div><\/section>\n\n\n<p class=\"wp-block-paragraph\"><strong>Merci d'avoir suivi ce module ! <\/strong><\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h3 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h3>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:343,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/eviter-le-surendettement\/&quot;,&quot;title&quot;:&quot;Comment \u00e9viter le surendettement ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement-150x150.jpg&quot;,&quot;likes&quot;:15}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"343\"\n         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                                  <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n              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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le surendettement<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Comment \u00e9viter le surendettement ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:46,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/lassurance-perte-demploi-comment-ca-marche\/&quot;,&quot;title&quot;:&quot;L\\u0027assurance perte d\\u0027emploi, comment \u00e7a marche ?&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:6}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les 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postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/lassurance-perte-demploi-comment-ca-marche\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les diverses assurances<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">L&#039;assurance perte d&#039;emploi, comment \u00e7a marche ?<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Facultative, cette assurance vient compl\u00e9ter l&#039;assurance emprunteur qui couvre le d\u00e9c\u00e8s, l&#039;invalidit\u00e9, l&#039;incapacit\u00e9 de travail... Elle permet que soient prises en charge, (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:743,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/perte-demploi-surveiller-son-budget\/&quot;,&quot;title&quot;:&quot;Perte d\\u0027emploi : surveiller son budget&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/perte-emploi-budget-_BD-150x150.jpg&quot;,&quot;likes&quot;:4}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" 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href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/perte-demploi-surveiller-son-budget\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/perte-emploi-budget-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/perte-emploi-budget-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/perte-emploi-budget-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/perte-emploi-budget-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">La perte d&#039;emploi<\/p>\n                                    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       <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/perte-demploi-les-assurances-et-les-aides\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/perte-emploi-assurances-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/perte-emploi-assurances-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/perte-emploi-assurances-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/perte-emploi-assurances-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">La perte d&#039;emploi<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Perte d&#039;emploi : les assurances et les aides<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" 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transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h3 class=\"titleWithShadowText__title\">\n                    Autres modules                                    <\/h3>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Autres modules<\/span>\n                                                    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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Mon bien immobilier<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">J&#039;ach\u00e8te un bien immobilier<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Temps estim\u00e9 : 5 minutes Perdre son emploi, \u00e7a peut arriver \u00e0 tout le monde ! On pr\u00e9f\u00e8re sans doute ne pas trop y penser, pourtant il est pr\u00e9f\u00e9rable d'anticiper une \u00e9ventuelle perte de revenus, pour pouvoir y faire face plus facilement. 4 bonnes raisons de se prot\u00e9ger \u201cLicenciement, plan social\u2026 ou encore d\u00e9p\u00f4t de [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":10994,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":33,"views":13185,"viewed_at":"1778476155","newsletter":"1","_yoast_wpseo_primary_category":278,"footnotes":""},"categories":[278,215,35,270],"tags":[],"class_list":["post-10958","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jai-des-difficultes","category-la-perte-demploi","category-les-accidents-de-la-vie","category-mes-moments-de-vie"],"yoast_head":"<title>Je me prot\u00e8ge contre les cons\u00e9quences d&#039;une perte d&#039;emploi - J&#039;ai des difficult\u00e9s - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Perdre son emploi, \u00e7a peut arriver \u00e0 tout le monde ! 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