{"id":432,"date":"2021-01-06T00:00:00","date_gmt":"2021-01-05T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2017\/06\/06\/le-credit-affecte\/"},"modified":"2025-09-11T15:08:02","modified_gmt":"2025-09-11T13:08:02","slug":"credit-affecte","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/credit-affecte\/","title":{"rendered":"Le cr\u00e9dit affect\u00e9"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Comme son nom l'indique, le cr\u00e9dit affect\u00e9 finance un bien d\u00e9termin\u00e9. C'est l'\u00e9tablissement de cr\u00e9dit qui paie directement le vendeur. Les cr\u00e9dits affect\u00e9s sont souvent propos\u00e9s directement dans les magasins de meubles, d'\u00e9lectrom\u00e9nager, de hi-fi ou d'informatique ou encore par les concessionnaires automobiles.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les caract\u00e9ristiques du cr\u00e9dit affect\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le bien (ou la prestation) achet\u00e9 est li\u00e9 au cr\u00e9dit affect\u00e9 qui le finance. Ainsi :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vos obligations envers l'\u00e9tablissement de cr\u00e9dit naissent \u00e0 compter de la livraison conforme du bien achet\u00e9. Si l'achat n'a finalement pas lieu ou si le bien n'a pas \u00e9t\u00e9 livr\u00e9, le cr\u00e9dit est annul\u00e9 d'office.<\/li><li>la destination de l'argent pr\u00eat\u00e9 ne peut pas \u00eatre modifi\u00e9e et les fonds ne peuvent donc pas servir \u00e0 autre chose que ce que pr\u00e9voit l'acte. Vous n'empruntez que la somme n\u00e9cessaire. Si votre pr\u00eat n'est pas obtenu, la vente est automatiquement annul\u00e9e.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00e9n\u00e9ralement, les pr\u00eats affect\u00e9s sont un peu plus chers que les pr\u00eats personnels classiques. Cependant, la commission que touche la personne qui vous propose le cr\u00e9dit, c'est-\u00e0-dire g\u00e9n\u00e9ralement le commer\u00e7ant, ne peut en aucun cas \u00eatre li\u00e9e au taux de ce cr\u00e9dit, c'est-\u00e0-dire qu'il n'a pas le droit de toucher une commission d'autant plus importante qu'il vous propose un pr\u00eat \u00e0 un taux plus \u00e9lev\u00e9.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : Le d\u00e9lai de r\u00e9tractation est r\u00e9duit si vous souhaitez \u00eatre livr\u00e9 imm\u00e9diatement apr\u00e8s l'achat, mais il ne peut pas \u00eatre inf\u00e9rieur \u00e0 3 jours.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aucun paiement d\u00e9finitif ne peut \u00eatre exig\u00e9 avant la signature de l'offre de cr\u00e9dit pr\u00e9alable et avant l'expiration du d\u00e9lai de r\u00e9tractation qui suit la conclusion du contrat final de cr\u00e9dit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>La formation du contrat de cr\u00e9dit affect\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le cr\u00e9dit affect\u00e9 respecte les r\u00e8gles des cr\u00e9dits \u00e0 la consommation :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>il d\u00e9bute par une phase d'information, au cours de laquelle le pr\u00eateur doit v\u00e9rifier votre solvabilit\u00e9.<\/li><li>l'offre de cr\u00e9dit vous est ensuite remise, elle pr\u00e9cise le bien ou prestation destin\u00e9e \u00e0 \u00eatre financ\u00e9 et son prix au comptant ; vous disposez, apr\u00e8s signature, d'un d\u00e9lai de 14 jours calendaires pour vous r\u00e9tracter.<\/li><li>vous recevez un document indiquant clairement les \u00e9ch\u00e9ances du cr\u00e9dit, le montant de celles-ci et le taux annuel effectif global (TAEG).<\/li><\/ul>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir<\/strong> : Le cr\u00e9dit affect\u00e9 est un cr\u00e9dit \u00e0 la consommation : son montant est donc compris entre 200 euros et 75 000 euros. Il doit \u00eatre accord\u00e9 pour une dur\u00e9e de 3 mois minimum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do;jsessionid=139B9101206DE7AA291A4B2EBC53F950.tpdjo09v_1?cidTexte=LEGITEXT000006069565\" rel=\"noreferrer noopener\">Legifrance - Le cr\u00e9dit affect\u00e9 aux art. L 311-1 et s. C. conso.<\/a><\/li><li><a target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/jopdf\/common\/jo_pdf.jsp?numJO=0&amp;dateJO=20121229&amp;numTexte=9&amp;pageDebut=20788&amp;pageFin=20790\" rel=\"noreferrer noopener\"><a target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do;jsessionid=139B9101206DE7AA291A4B2EBC53F950.tpdjo09v_1?cidTexte=LEGITEXT000006069565\" rel=\"noreferrer noopener\">Legifrance - Le cr\u00e9dit affect\u00e9 aux art. L 312-1 \u00e0 L 312-4 C. conso.<\/a><\/a><\/li><\/ul>\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                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\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--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;:643,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/credit-affecte-echeances-prelevees-a-tort\/&quot;,&quot;title&quot;:&quot;Cr\u00e9dit affect\u00e9 - \u00e9ch\u00e9ances pr\u00e9lev\u00e9es \u00e0 tort&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:5}\"\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=\"643\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/credit-affecte-echeances-prelevees-a-tort\/\"\n         data-title=\"Cr\u00e9dit affect\u00e9 - \u00e9ch\u00e9ances pr\u00e9lev\u00e9es \u00e0 tort\">\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    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/credit-affecte-echeances-prelevees-a-tort\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Cr\u00e9dit \u00e0 la consommation<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Cr\u00e9dit affect\u00e9 - \u00e9ch\u00e9ances pr\u00e9lev\u00e9es \u00e0 tort<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous avez achet\u00e9 un bien mobilier (canap\u00e9, lave-linge, t\u00e9l\u00e9vision...etc.) \u00e0 l&#039;aide d&#039;un cr\u00e9dit affect\u00e9 (l&#039;argent pr\u00eat\u00e9 ne pouvant pas servir \u00e0 financer autre chose). 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class=\"card__submetas\">\n                                        <p class=\"card__category\">Le contrat de cr\u00e9dit \u00e0 la consommation<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Information pr\u00e9contractuelle, explications et solvabilit\u00e9<\/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;:376,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-endettement\/&quot;,&quot;title&quot;:&quot;Ma\u00eetriser mon 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          <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">4 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-endettement\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ma\u00eetriser mon endettement<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Conna\u00eetre son endettement permet de conna\u00eetre le montant qu&#039;on peut emprunter mais aussi \u00e9pargner. Ce mini-guide vous pr\u00e9sente les diff\u00e9rentes approches qui permettent d&#039;affiner (...)<\/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>Comme son nom l'indique, le cr\u00e9dit affect\u00e9 finance un bien d\u00e9termin\u00e9. C'est l'\u00e9tablissement de cr\u00e9dit qui paie directement le vendeur. Les cr\u00e9dits affect\u00e9s sont souvent propos\u00e9s directement dans les magasins de meubles, d'\u00e9lectrom\u00e9nager, de hi-fi ou d'informatique ou encore par les concessionnaires automobiles. Les caract\u00e9ristiques du cr\u00e9dit affect\u00e9 Le bien (ou la prestation) achet\u00e9 est [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5039,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":5032,"viewed_at":"1778492227","newsletter":"0","_yoast_wpseo_primary_category":58,"footnotes":""},"categories":[48,58,277],"tags":[],"class_list":["post-432","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-credit-a-la-consommation","category-les-differents-types-de-credit-a-la-consommation","category-mes-credits"],"yoast_head":"<title>Le cr\u00e9dit affect\u00e9 - Les diff\u00e9rents types de cr\u00e9dit \u00e0 la consommation - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Comme son nom l&#039;indique, le cr\u00e9dit affect\u00e9 finance un bien d\u00e9termin\u00e9. 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