{"id":12029,"date":"2024-01-15T15:20:27","date_gmt":"2024-01-15T13:20:27","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=12029"},"modified":"2024-01-15T16:10:49","modified_gmt":"2024-01-15T14:10:49","slug":"pret-en-cas-de-separation","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/pret-en-cas-de-separation\/","title":{"rendered":"Pr\u00eat en cas de s\u00e9paration ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Vous pensez bien conna\u00eetre l'argent et le domaine bancaire ? Les <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/category\/boite-a-outils\/quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">quiz <\/a>des cl\u00e9s de la banque sont l\u00e0 pour vous permettre de vous tester...<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Etes-vous pr\u00eat en cas de s\u00e9paration ? Certes, ce n'est pas quelque chose qui arrive souvent. Et quand on est concern\u00e9, autant comprendre et bien r\u00e9agir ! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A vous de jouer !!<\/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\\u003EDe mauvais r\u00e9flexes ne sont jamais bons pour les finances. Cliquez au plus vite sur le lien pour ouvrir notre notre \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/particulier\/reagir-en-cas-de-separation\/\\u0022\\u003Eguide d\u00e9di\u00e9.\\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\\u003EVous avez les principales notions et \u00eates pr\u00eat \u00e0 r\u00e9agir pour prendre les d\u00e9cisions utiles en cas de s\u00e9paration. Pour plus d\\u0027infos, consultez notre \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/particulier\/reagir-en-cas-de-separation\/\\u0022\\u003Eguide d\u00e9di\u00e9 \\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\"><div class=\"quizBlock__intro\"><p>Les questions d'argent sont souvent au c\u0153ur d'une s\u00e9paration. Saurez-vous comment vous y prendre ?<\/p><\/div><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=\"q78\" data-type=\"single\"><legend class=\"quizBlock__legend\">Si on se s\u00e9pare, il n\u2019est pas urgent d\u2019en parler \u00e0 son banquier.<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/chronometre-1.jpg?_t=1705326129\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q78\" value=\"a220\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q78\" value=\"a221\" 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\nIl est essentiel de l\u2019informer au plus t\u00f4t de votre nouvelle situation voire de vos nouvelles coordonn\u00e9es pour qu\u2019il puisse vous joindre. Informez-le \u00e9galement des nouvelles modalit\u00e9s de fonctionnement de votre compte, voire ouvrez un compte individuel. Ce sont les 1ers r\u00e9flexes \u00e0 avoir pour pr\u00e9server vos finances personnelles.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q79\" data-type=\"single\"><legend class=\"quizBlock__legend\">En cas de s\u00e9paration, il faut rapidement cl\u00f4turer seul le compte joint.<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/retraite-quiz-q2.jpg?_t=1705326305\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q79\" value=\"a223\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q79\" value=\"a224\" 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\nIl ne faut pas se pr\u00e9cipiter pour fermer ce compte, car il peut encore servir pour les mensualit\u00e9s de cr\u00e9dit, les frais de scolarit\u00e9, etc. En revanche, et pour \u00e9viter toute surprise, demander \u00e0 ce que le compte joint ne fonctionne qu\u2019avec l\u2019accord des 2 est une bonne pr\u00e9caution.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q80\" data-type=\"single\"><legend class=\"quizBlock__legend\">Malgr\u00e9 la s\u00e9paration, et m\u00eame un divorce, les cr\u00e9dits communs doivent continuer \u00e0 \u00eatre rembours\u00e9s par les 2 ex-conjoints.<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/separation-maison-credit.jpg?_t=1705326441\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q80\" value=\"a225\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q80\" value=\"a226\" 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\nEn effet, vous restez co-emprunteurs solidaires du remboursement du cr\u00e9dit. Cependant, et avec l\u2019accord de la banque, vous pouvez vous entendre soit pour vendre le bien et rembourser le cr\u00e9dit d\u00e8s que possible, soit pour reporter la totalit\u00e9\u0301 du pr\u00eat sur celui d\u2019entre vous qui gardera le bien.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q81\" data-type=\"single\"><legend class=\"quizBlock__legend\">L\u2019Agence de recouvrement et d\u2019interm\u00e9diation des pensions alimentaires (ARIPA) est un organisme que vous pouvez contacter en cas de s\u00e9paration.<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/banque-tel.jpg?_t=1705326527\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q81\" value=\"a227\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q81\" value=\"a228\" 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\nL\u2019Aripa, propos\u00e9e par la Caf ou la MSA, aide et accompagne les parents qui se s\u00e9parent, pour pr\u00e9server l\u2019int\u00e9r\u00eat des enfants et les prot\u00e9ger des conflits. Elle n\u2019est pas obligatoire en tant que telle, mais depuis le 1er mars l\u2019interm\u00e9diation financi\u00e8re est syst\u00e9matique d\u00e8s qu\u2019une pension alimentaire est fix\u00e9e : les Caf et MSA prennent le relais, sauf refus des 2 parents ou d\u2019un juge.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q82\" data-type=\"single\"><legend class=\"quizBlock__legend\">En tant que parent, vous avez tous les droits sur le compte de votre enfant mineur et pouvez toujours agir seul..<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/01\/retraite-quiz-q4.jpg?_t=1705326627\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q82\" value=\"a229\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz12-q82\" value=\"a230\" 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\nChaque parent, et sauf exception, a l\u2019administration l\u00e9gale de l\u2019enfant mineur. Il le repr\u00e9sente. En fonction des op\u00e9rations \u00e0 r\u00e9aliser sur ses comptes, la signature d\u2019un seul parent ou la signature des deux parents sera requise.<\/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<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                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                   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class=\"card__submetas\">\n                                        <p class=\"card__category\">La s\u00e9paration, le divorce<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">S\u00e9paration : les cons\u00e9quences sur vos cr\u00e9dits<\/span>\n                <\/h3>\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;:535,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/separation-que-deviennent-les-garanties\/&quot;,&quot;title&quot;:&quot;S\u00e9paration : que deviennent les garanties 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               <\/h3>\n                                <p class=\"card__article\">Pour un couple, se s\u00e9parer ou divorcer ne modifie en rien le fonctionnement des comptes bancaires ou les procurations donn\u00e9es. Pour que des changements puissent \u00eatre effectu\u00e9s, (...)<\/p>\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","protected":false},"excerpt":{"rendered":"<p>Vous pensez bien conna\u00eetre l'argent et le domaine bancaire ? Les quiz des cl\u00e9s de la banque sont l\u00e0 pour vous permettre de vous tester... Etes-vous pr\u00eat en cas de s\u00e9paration ? Certes, ce n'est pas quelque chose qui arrive souvent. Et quand on est concern\u00e9, autant comprendre et bien r\u00e9agir ! A vous de [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":5,"views":2140,"viewed_at":"1778297968","newsletter":"1","_yoast_wpseo_primary_category":280,"footnotes":""},"categories":[4,280],"tags":[],"class_list":["post-12029","post","type-post","status-publish","format-standard","hentry","category-boite-a-outils","category-quiz"],"yoast_head":"<title>Pr\u00eat en cas de s\u00e9paration ? - Quiz - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Les questions d&#039;argent sont souvent au c\u0153ur d&#039;une s\u00e9paration. 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