{"id":376,"date":"2022-12-23T00:00:00","date_gmt":"2022-12-22T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2018\/06\/20\/maitriser-son-endettement\/"},"modified":"2025-04-03T15:58:46","modified_gmt":"2025-04-03T13:58:46","slug":"guide-maitriser-endettement","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-endettement\/","title":{"rendered":"Ma\u00eetriser mon endettement"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Conna\u00eetre son endettement permet de conna\u00eetre le montant qu'on peut emprunter mais aussi \u00e9pargner. Ce mini-guide vous pr\u00e9sente les diff\u00e9rentes approches qui permettent d'affiner l'\u00e9valuation de l'endettement.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\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\/2024\/09\/Vignette-guide-maitriser-endettement.png\" alt=\"\" class=\"wp-image-31881\" width=\"331\" height=\"457\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-maitriser-endettement.png 661w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-maitriser-endettement-217x300.png 217w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-maitriser-endettement-290x400.png 290w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-maitriser-endettement-58x80.png 58w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-maitriser-endettement-340x470.png 340w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-maitriser-endettement-181x250.png 181w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-maitriser-endettement-36x50.png 36w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-maitriser-endettement-550x760.png 550w\" sizes=\"auto, (max-width: 331px) 100vw, 331px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">MG 08 - Maitriser son endettement<\/p><p class=\"postAttachment__fileSize\">181,5 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;MG 08 - Maitriser son endettement&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"MG 08 - Maitriser son endettement\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2018\/06\/MG-08-Maitriser-mon-endettement-22-Accessible.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger MG 08 - Maitriser son endettement<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">Pourquoi \u00e9valuer mon niveau d'endettement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Conna\u00eetre votre niveau d\u2019endettement vous permet :<br><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>d\u2019<strong>\u00e9viter de vous endetter<\/strong> au-del\u00e0 de votre capacit\u00e9 de remboursement ;<\/li><li>de <strong>d\u00e9tecter une \u00e9ventuelle situation de <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-procedure-de-surendettement\/\" target=\"_blank\" rel=\"noreferrer noopener\">surendettement<\/a><\/strong> ;<\/li><li>d\u2019<strong>\u00e9valuer le montant qu\u2019il est possible d\u2019\u00e9pargner<\/strong> une fois toutes vos d\u00e9penses mensuelles pay\u00e9es ;<\/li><li>de <strong>d\u00e9terminer si vous pouvez demander un nouveau cr\u00e9dit<\/strong> pour un projet.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment dois-je proc\u00e9der ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Plusieurs approches compl\u00e9mentaires permettent d\u2019\u00e9valuer votre niveau d\u2019endettement :<\/strong><br><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>le calcul du \u00ab reste \u00e0 vivre \u00bb<\/strong> c\u2019est-\u00e0-dire les sommes qu\u2019il vous reste pour vivre ;<\/li><li><strong>la prise en compte de situation(s) particuli\u00e8re(s)<\/strong> (la composition familiale par exemple) ;<\/li><li><strong>le calcul de votre taux d\u2019endettement.<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">LE RESTE A VIVRE<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le plus important est de <strong>d\u00e9terminer le montant qu\u2019il vous reste chaque mois, une fois d\u00e9duites de vos revenus les plus grosses charges (loyer, mensualit\u00e9 de cr\u00e9dit\u2026). <\/strong>Votre endettement doit rester raisonnable afin de pouvoir faire face aux autres d\u00e9penses courantes (alimentation, \u00e9nergie, transports, loisirs\u2026) ainsi qu\u2019aux impr\u00e9vus.<br><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">Il existe des applications pouvant vous aider \u00e0 d\u00e9terminer votre reste \u00e0 vivre, comme \u00ab <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-une-appli-pour-mieux-connaitre-et-piloter-votre-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pilote Budget<\/a> \u00bb (sur Google Play et l\u2019App Store), anonyme, confidentielle et gratuite. Notre guide d\u00e9di\u00e9 \u00ab <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/maitriser-mon-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ma\u00eetriser mon budget<\/a> \u00bb contient de nombreuses astuces pour r\u00e9aliser des \u00e9conomies sur les diff\u00e9rents postes budg\u00e9taires.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Les revenus \u00e0 prendre en compte<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Votre <strong>salaire<\/strong> (et le cas \u00e9ch\u00e9ant, celui de votre conjoint) <strong>et les autres ressources certaines<\/strong> telles que les aides sociales (APL, Caf\u2026). Pensez aussi aux pensions re\u00e7ues, aux revenus fonciers si vous \u00eates propri\u00e9taire d\u2019un logement que vous louez, aux bourses d\u2019\u00e9tude, etc. <strong>Vous ne devez compter que sur vos revenus certains et durables<\/strong> pour faire face au paiement du loyer, des mensualit\u00e9s de remboursement de cr\u00e9dit et autres charges d\u2019habitation, car ce sont des d\u00e9penses certaines et r\u00e9guli\u00e8res.<br><\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Les principales charges \u00e0 prendre en compte<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le montant de votre loyer et les autres d\u00e9penses li\u00e9es au logement<\/strong> (assurance, \u00e9nergie, etc.). <strong>Le remboursement de tous vos cr\u00e9dits<\/strong> en cours (<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/category\/mes-credits\/le-credit-immobilier\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00eats immobiliers<\/a>, <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/category\/mes-credits\/le-credit-a-la-consommation\/\" target=\"_blank\" rel=\"noreferrer noopener\">cr\u00e9dits \u00e0 la consommation<\/a>, cr\u00e9dits renouvelables ou paiements en plusieurs fois aupr\u00e8s de magasins, etc.). Et, s\u2019il y a lieu, <strong>les pensions<\/strong> que vous versez.<br><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">Conseil : Reprenez vos <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-releve-de-compte\/\" target=\"_blank\" rel=\"noreferrer noopener\">relev\u00e9s de compte<\/a> et v\u00e9rifiez toutes les op\u00e9rations au d\u00e9bit. Soyez attentif, un oubli fausserait le calcul et vous pourriez \u00eatre en r\u00e9alit\u00e9 plus endett\u00e9 que ce que vous croyez. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">LES SITUATIONS PARTICULIERES<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Chaque situation est particuli\u00e8re et r\u00e9clame une analyse personnalis\u00e9e. <\/strong>De nombreux crit\u00e8res sont importants pour savoir si la somme restante (ou \u00ab reste \u00e0 vivre \u00bb) est suffisante. Une m\u00eame somme (1 000 euros par exemple) sera suffisante ou non en fonction de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la composition de votre famille (plusieurs enfants avec des frais d\u2019\u00e9tudes, de cantine, de cr\u00e8che par exemple) ;<\/li><li>les frais de transport (d\u2019autant plus importants que le trajet domicile-travail est long) ;<\/li><li>l\u2019h\u00e9bergement d\u2019une personne d\u00e9pendante ;<\/li><li>etc.<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">LE TAUX D'ENDETTEMENT<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Il s\u2019agit d\u2019une indication int\u00e9ressante dont le calcul est simple et rapide \u00e0 r\u00e9aliser mais il ne suffit pas \u00e0 lui seul.<\/strong> C\u2019est le rapport entre vos charges de loyer, de cr\u00e9dit et vos revenus sur une m\u00eame dur\u00e9e. Le taux d\u2019endettement est exprim\u00e9 en pourcentage. Par exemple, si vos charges et emprunts sont de 500 \u20ac pour 2 000 \u20ac de revenus mensuels, votre taux d\u2019endettement est de 25\u2009%.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">Astuce : Si vous souhaitez souscrire un nouveau pr\u00eat, vous devez calculer votre reste \u00e0 vivre pr\u00e9visionnel en int\u00e9grant la mensualit\u00e9 du cr\u00e9dit envisag\u00e9, les d\u00e9penses et ressources \u00e0 venir, pour d\u00e9terminer si votre projet est viable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 la suite de la recommandation du <a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/hcsf\" target=\"_blank\">Haut Conseil de Stabilit\u00e9 Financi\u00e8re (HCSF)<\/a>, depuis janvier 2022, <strong>le taux d\u2019effort maximal \u00e0 l\u2019octroi de cr\u00e9dit immobilier est fix\u00e9 \u00e0 35\u2009%<\/strong> des revenus, assurance compris (contre 33\u2009% avant) et <strong>la dur\u00e9e maximale du cr\u00e9dit immobilier \u00e0 25 ans<\/strong>. Une d\u00e9cote est appliqu\u00e9e sur les revenus fonciers pour tenir compte du risque locatif. Une marge de flexibilit\u00e9 est cependant laiss\u00e9e aux banques (pour 20\u2009% des dossiers).<strong>La d\u00e9cision de la banque d\u2019octroyer le cr\u00e9dit tient ainsi toujours compte des caract\u00e9ristiques du projet et du m\u00e9nage emprunteur.<\/strong> Le reste \u00e0 vivre (ou revenu r\u00e9siduel) est en effet un indicateur parfois plus pertinent pour savoir si vous \u00eates trop endett\u00e9.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A noter : La dur\u00e9e maximale est fix\u00e9e \u00e0 27 ans pour les m\u00e9nages qui ach\u00e8tent un logement neuf sur plan, avant ach\u00e8vement du bien, ou qui ach\u00e8tent dans l\u2019ancien et engagent des travaux importants (leur montant doit repr\u00e9senter au moins 25\u2009% du co\u00fbt d\u2019acquisition).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi ma\u00eetriser mon endettement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ma\u00eetriser votre endettement vous permettra de :<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>payer vos factures, vos abonnements et <strong>faire face \u00e0 vos d\u00e9penses courantes<\/strong> ;<\/li><li><strong>mettre en place une \u00e9pargne de pr\u00e9caution<\/strong>, en mettant tous les mois un peu d\u2019argent de c\u00f4t\u00e9, et ainsi pouvoir assumer des d\u00e9penses impr\u00e9vues ;<\/li><li><strong>r\u00e9aliser vos projets <\/strong>avec, si besoin, un <strong>nouveau cr\u00e9dit<\/strong>. Pensez \u00e0 comparer les offres pour retenir la solution de cr\u00e9dit qui vous conviendra le mieux.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lire la suite du guide : \"Maitriser mon endettement\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Que faire si je rencontre des <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/se-faire-accompagner-en-cas-de-difficultes-financieres\/\" target=\"_blank\" rel=\"noreferrer noopener\">difficult\u00e9s financi\u00e8res<\/a> ?<\/li><li>Comment <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/reagir-en-cas-de-perte-de-revenus\/\" target=\"_blank\" rel=\"noreferrer noopener\">r\u00e9agir en cas de perte de revenus<\/a> ?<\/li><li>Et si malgr\u00e9 mes efforts, je n\u2019arrive plus \u00e0 faire face ?<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/fr.calameo.com\/read\/00202470558977f222091\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\"><strong>Vous \u00eates travailleur social ? <\/strong>Nous vous proposons ce flyer (\u00e0 imprimer par vos soins) pour remettre aux publics que vous accompagnez. Il pr\u00e9sente rapidement le sujet et contient un QR code permettant d'aller consulter le guide en ligne.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Flyer-maitriser-endettement<\/p><p class=\"postAttachment__fileSize\">1,4 Mo<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Flyer-maitriser-endettement&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Flyer-maitriser-endettement\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Flyer-maitriser-endettement.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Flyer-maitriser-endettement<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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                <h4 class=\"titleWithShadowText__title\">\n                    Autres guides                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Autres guides<\/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=\"publications\"><div class=\"publications__inner\"><article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:509,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/&quot;,&quot;title&quot;:&quot;Assurance emprunteur - M\\u0027assurer pour mon cr\u00e9dit immobilier&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:61}\"\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=\"509\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/\"\n         data-title=\"Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit immobilier\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon 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    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit immobilier\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/\">\n                Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit immobilier            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">L&#039;assurance emprunteur est un \u00e9l\u00e9ment important du cr\u00e9dit immobilier. Elle vous prot\u00e8ge, vous et votre famille ainsi que la banque en cas d&#039;al\u00e9as de la vie (d\u00e9c\u00e8s, invalidit\u00e9,...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #1fc3b5\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:95,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/convention-aeras\/&quot;,&quot;title&quot;:&quot;La convention AERAS&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:54}\"\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=\"95\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/convention-aeras\/\"\n         data-title=\"La convention AERAS\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon 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\">3 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"La convention AERAS\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/convention-aeras\/\">\n                La convention AERAS            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Vous souhaitez souscrire un cr\u00e9dit mais vous craignez que votre \u00e9tat ou vos ant\u00e9c\u00e9dents de sant\u00e9 vous emp\u00eachent d\u2019obtenir l\u2019assurance ? Lors d\u2019une demande d\u2019assurance emprunteur...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:691,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/&quot;,&quot;title&quot;:&quot;Le co\u00fbt d\\u0027un cr\u00e9dit&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:23}\"\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=\"691\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/\"\n         data-title=\"Le co\u00fbt d&#039;un cr\u00e9dit\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon 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\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le co\u00fbt d&#039;un cr\u00e9dit\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/\">\n                Le co\u00fbt d&#039;un cr\u00e9dit            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Vous souhaitez savoir combien votre cr\u00e9dit va vous co\u00fbter. Il varie en fonction du type de cr\u00e9dit choisi, du montant emprunt\u00e9, de sa dur\u00e9e et du taux d&#039;int\u00e9r\u00eat. Le taux d&#039;int\u00e9r\u00eat...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #1fc3b5\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:57,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-relais-immobilier\/&quot;,&quot;title&quot;:&quot;Le cr\u00e9dit relais immobilier&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:29}\"\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=\"57\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-relais-immobilier\/\"\n         data-title=\"Le cr\u00e9dit relais immobilier\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon 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    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le cr\u00e9dit relais immobilier\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-relais-immobilier\/\">\n                Le cr\u00e9dit relais immobilier            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Vous avez l&#039;intention d&#039;acheter un bien immobilier et de le payer en partie en vendant un logement que vous poss\u00e9dez ? Il n&#039;est pas toujours possible de faire co\u00efncider les...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\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                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\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 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class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le m\u00e9canisme du cr\u00e9dit<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Conna\u00eetre mon endettement<\/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;:38946,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-immobilier\/&quot;,&quot;title&quot;:&quot;Le cr\u00e9dit immobilier : Pr\u00e9parer et r\u00e9ussir son projet 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500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/06\/taux-credit-immo-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/06\/taux-credit-immo-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/06\/taux-credit-immo.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 co\u00fbt d&#039;un cr\u00e9dit<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Cr\u00e9dit immobilier : quel taux en 2026 pour votre projet 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\/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Conna\u00eetre son endettement permet de conna\u00eetre le montant qu'on peut emprunter mais aussi \u00e9pargner. Ce mini-guide vous pr\u00e9sente les diff\u00e9rentes approches qui permettent d'affiner l'\u00e9valuation de l'endettement. Pourquoi \u00e9valuer mon niveau d'endettement ? Conna\u00eetre votre niveau d\u2019endettement vous permet : d\u2019\u00e9viter de vous endetter au-del\u00e0 de votre capacit\u00e9 de remboursement ; de d\u00e9tecter une \u00e9ventuelle [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":79,"views":76044,"viewed_at":"1778494750","newsletter":"0","_yoast_wpseo_primary_category":6,"footnotes":""},"categories":[23,6,4],"tags":[],"class_list":["post-376","post","type-post","status-publish","format-standard","hentry","category-credit","category-guides-bancaires","category-boite-a-outils"],"yoast_head":"<title>Ma\u00eetriser mon endettement - Guides bancaires - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Conna\u00eetre son endettement permet de conna\u00eetre le montant qu&#039;on peut emprunter mais aussi \u00e9pargner. 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