{"id":492,"date":"2021-02-05T00:00:00","date_gmt":"2021-02-04T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2016\/07\/05\/le-contenu-du-contrat-de-credit\/"},"modified":"2022-04-07T16:58:42","modified_gmt":"2022-04-07T14:58:42","slug":"le-contenu-du-contrat-de-credit","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-contenu-du-contrat-de-credit\/","title":{"rendered":"Le contenu du contrat de cr\u00e9dit"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Pour tout cr\u00e9dit, la loi impose la conclusion d'un contrat sign\u00e9 entre vous et la banque. La simple tol\u00e9rance de d\u00e9bit en compte n'est pas concern\u00e9e. En g\u00e9n\u00e9ral, le contrat de pr\u00eat indique notamment le montant emprunt\u00e9, le montant des int\u00e9r\u00eats sous la forme d'un Taux Annuel Effectif Global (TAEG), la dur\u00e9e de remboursement, la possibilit\u00e9 de rembourser par anticipation.<\/strong><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La stipulation d'int\u00e9r\u00eats<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le cr\u00e9dit s'accompagne du paiement d'int\u00e9r\u00eats. Leur montant est indiqu\u00e9 sous la forme d'un Taux Annuel Effectif Global (TAEG).<br>A d\u00e9faut de stipulation, c'est le taux l\u00e9gal, fix\u00e9 par d\u00e9cret une fois par an, qui s'applique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois le contrat sign\u00e9, ni vous ni la banque n'avez le droit de remettre en cause le taux. Par exemple, si les taux ont baiss\u00e9 et que vous aviez choisi un pr\u00eat \u00e0 taux fixe, l'\u00e9tablissement de cr\u00e9dit n'est pas tenu d'accepter une r\u00e9vision \u00e0 la baisse de votre taux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La dur\u00e9e du cr\u00e9dit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Votre contrat stipule \u00e9galement la dur\u00e9e du pr\u00eat : ni vous ni l'\u00e9tablissement de cr\u00e9dit ne peut exiger son remboursement avant \u00e9ch\u00e9ance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe cependant des exceptions \u00e0 ce principe. En g\u00e9n\u00e9ral, le contrat pr\u00e9voit toujours :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la possibilit\u00e9 d'un remboursement anticip\u00e9 \u00e0 votre initiative et en pr\u00e9cise les conditions,<\/li><li>une clause de d\u00e9ch\u00e9ance du terme : la banque peut exiger le remboursement de tout le solde restant d\u00fb avant l'\u00e9ch\u00e9ance normale du cr\u00e9dit, si certains de vos engagements n'\u00e9taient pas tenus\u2026 en particulier en cas de mensualit\u00e9s impay\u00e9es.<\/li><\/ul>\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 aligncenter 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\/GP_xBIbggRg?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"Le saviez-vous ? Le cr\u00e9dit c&amp;apos;est pratique, mais \u00e7a ne se prend pas \u00e0 la l\u00e9g\u00e8re\" 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<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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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. 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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/taeg-taux-annuel-effectif-global\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/TEG-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/TEG-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/TEG-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/TEG-_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\">Le co\u00fbt 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1 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/\">\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\">Le co\u00fbt d&#039;un cr\u00e9dit<\/span>\n                <\/h3>\n                                <p class=\"card__article\">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        <\/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>Pour tout cr\u00e9dit, la loi impose la conclusion d'un contrat sign\u00e9 entre vous et la banque. La simple tol\u00e9rance de d\u00e9bit en compte n'est pas concern\u00e9e. En g\u00e9n\u00e9ral, le contrat de pr\u00eat indique notamment le montant emprunt\u00e9, le montant des int\u00e9r\u00eats sous la forme d'un Taux Annuel Effectif Global (TAEG), la dur\u00e9e de remboursement, la [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4947,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":11763,"viewed_at":"1778481831","newsletter":"0","_yoast_wpseo_primary_category":152,"footnotes":""},"categories":[152,103,277],"tags":[],"class_list":["post-492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-contrat-de-credit","category-le-principe-du-credit","category-mes-credits"],"yoast_head":"<title>Le contenu du contrat de cr\u00e9dit - Le contrat de cr\u00e9dit - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Pour tout cr\u00e9dit, la loi impose la conclusion d&#039;un contrat sign\u00e9 entre vous et la banque. 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