{"id":7661,"date":"2014-05-02T08:00:49","date_gmt":"2014-05-02T06:00:49","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=7661"},"modified":"2024-09-26T17:03:44","modified_gmt":"2024-09-26T15:03:44","slug":"combien-coute-credit-professionnel-04242014avallau2","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/combien-coute-credit-professionnel-04242014avallau2\/","title":{"rendered":"Combien co\u00fbte un cr\u00e9dit professionnel ?"},"content":{"rendered":"<p><span style=\"line-height: 1.5em;\">N\u00e9gocier un cr\u00e9dit professionnel ne se limite pas \u00e0 faire baisser le taux d\u2019int\u00e9r\u00eat. En effet, <span class=\"exergue\">le co\u00fbt d\u2019un <strong>cr\u00e9dit professionnel<\/strong> se compose du taux d\u2019int\u00e9r\u00eat mais aussi des frais de dossier, du co\u00fbt de l\u2019assurance et dans bien des cas des frais de prise de garantie.<\/span> Si le taux nominal correspond au taux qui est le plus souvent n\u00e9goci\u00e9 car il sert au calcul des int\u00e9r\u00eats du pr\u00eat, le Taux Effectif Global (ou TEG) globalise l\u2019ensemble des co\u00fbts du pr\u00eat et vous aide \u00e0 comparer plus efficacement les offres des diff\u00e9rents \u00e9tablissements bancaires. Valoxy, cabinet d&rsquo;expertise comptable dans les Hauts de France, d\u00e9taille tous les co\u00fbts du cr\u00e9dit professionnel.<\/span><\/p>\n<figure id=\"attachment_6565\" aria-describedby=\"caption-attachment-6565\" style=\"width: 206px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\" wp-image-6565 \" title=\"cr\u00e9ation d'entreprise et cr\u00e9dit professionnel\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1.jpg\" alt=\"expert-comptable et cr\u00e9dit professionnel\" width=\"206\" height=\"159\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1.jpg 1087w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1-300x232.jpg 300w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1-1024x792.jpg 1024w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1-768x594.jpg 768w\" sizes=\"(max-width: 206px) 100vw, 206px\" \/><figcaption id=\"caption-attachment-6565\" class=\"wp-caption-text\">Combien co\u00fbte un cr\u00e9dit professionnel ?<\/figcaption><\/figure>\n<h2>A quoi correspond le taux nominal du cr\u00e9dit professionnel ?<\/h2>\n<div class=\"encadre-style\">Le taux nominal sert \u00e0 calculer les int\u00e9r\u00eats de l\u2019emprunt. En dehors des pr\u00eats r\u00e9glement\u00e9s, les \u00e9tablissements de cr\u00e9dit sont libres de fixer le taux d\u2019emprunt qu\u2019ils proposent. Ce taux se compose du taux auquel les banques se refinancent sur le march\u00e9 interbancaire, plus la marge de l\u2019\u00e9tablissement de cr\u00e9dit. Cette marge peut \u00e9voluer en fonction de la strat\u00e9gie et de la politique commerciale de la banque.<\/div>\n<p><img decoding=\"async\" class=\" wp-image-6390 alignright\" style=\"margin-left: 10px; margin-right: 10px;\" title=\"cr\u00e9ation d'entreprise et cr\u00e9dit professionnel\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/09\/businessman.jpg\" alt=\"le cr\u00e9dit professionnel\" width=\"197\" height=\"211\" \/>Pour conna\u00eetre le co\u00fbt r\u00e9el d\u2019un emprunt, i<span class=\"exergue\">l faut ajouter un certain nombre de co\u00fbts compl\u00e9mentaires qui viennent alourdir l\u2019addition<\/span>\u00a0:<\/p>\n<ul>\n<li>Les frais de dossier,<\/li>\n<li>Les imp\u00f4ts et taxes (droits d\u2019enregistrement, frais de timbre, \u2026),<\/li>\n<li>Les primes d\u2019assurance,<\/li>\n<li>Les garanties,<\/li>\n<li>\u2026<\/li>\n<\/ul>\n<p>Afin de permettre aux contribuables et aux entreprises de se faire une id\u00e9e pr\u00e9cise du co\u00fbt de leur cr\u00e9dit, les banques sont tenues de les informer du co\u00fbt global de leur cr\u00e9dit, qui est repris dans le Taux Effectif Global (TEG)<\/p>\n<h2>Qu\u2019est-ce que le Taux Effectif Global (TEG)\u00a0?<\/h2>\n<p><img decoding=\"async\" class=\" wp-image-5218 alignleft\" style=\"margin-right: 10px;\" title=\"Emprunter pour cr\u00e9er son entreprise\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/07\/tresorerie.png\" alt=\"cr\u00e9dit professionnel qu'est ce que le TEG ?\" width=\"92\" height=\"88\" \/><\/p>\n<p>Le TEG est sp\u00e9cifique \u00e0 chaque pr\u00eat,<span class=\"exergue\"> et comprend l\u2019ensemble des co\u00fbts li\u00e9s \u00e0 l\u2019\u00e9tablissement bancaire<\/span>. Il permet de se faire une id\u00e9e pr\u00e9cise du co\u00fbt r\u00e9el de l\u2019emprunt. Toutes les offres de pr\u00eat doivent\u00a0 obligatoirement le mentionner. Le TEG<span class=\"exergue\">\u00a0a pour but de faciliter la comparaison entre les diff\u00e9rentes offres de pr\u00eat<\/span>.<\/p>\n<p>Attention, si vous souscrivez l\u2019assurance de votre emprunt ailleurs que dans une banque (ce qui vous permet souvent d\u2019avoir de meilleures conditions), son co\u00fbt ne sera pas inclus dans le TEG. A l\u2019inverse, lorsqu\u2019un \u00e9tablissement bancaire vous propose un contrat d\u2019assurance, son co\u00fbt est inclus dans le TEG de l\u2019offre.<\/p>\n<div class=\"encadre-style\">Pour comparer efficacement les offres, il sera peut-\u00eatre n\u00e9cessaire d\u2019effectuer quelques calculs. Vous comparerez ainsi les diff\u00e9rentes solutions qui s\u2019offrent \u00e0 vous.<\/p>\n<p><strong>Conseil\u00a0:<\/strong> lors de la n\u00e9gociation avec votre banquier, munissez-vous des offres d\u2019assurance. Demandez-lui une simulation en int\u00e9grant le prix propos\u00e9 par l\u2019assurance.<\/div>\n<h2>Les co\u00fbts compl\u00e9mentaires<\/h2>\n<h4>Les frais de dossier<\/h4>\n<p>Toute demande de pr\u00eat faite aupr\u00e8s d\u2019un \u00e9tablissement de cr\u00e9dit n\u00e9cessite un travail de sa part avant de faire une proposition. Les frais de dossier sont sens\u00e9s participer \u00e0 cette d\u00e9marche. <span class=\"exergue\">Leur montant est diff\u00e9rent en fonction des \u00e9tablissements, ils peuvent \u00eatre fixes ou proportionnel au montant de l\u2019emprunt.<\/span> Sauf cas particuliers (montage sp\u00e9cifiques, \u2026), il est rarissime qu\u2019un \u00e9tablissement bancaire fasse payer les frais de dossier lorsqu\u2019un dossier est refus\u00e9.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-6465 alignright\" style=\"margin-left: 10px;\" title=\"cr\u00e9ation d'entreprise et cr\u00e9dit professionnel\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/man-on-a-yellow-target.jpg\" alt=\"cr\u00e9dit professionnel et frais de timbre\" width=\"215\" height=\"152\" \/><\/p>\n<h4>Les frais de timbre<\/h4>\n<p><span class=\"exergue\">Les banques r\u00e9percutent les frais de timbres, ceux-ci d\u00e9passent rarement quelques dizaines d\u2019euro<\/span>s mais sont parfois n\u00e9cessaires pour certains cr\u00e9dits professionnels (pr\u00eats assortis d\u2019un nantissement par exemple).<\/p>\n<h2>Le co\u00fbt de l&rsquo;assurance d\u00e9c\u00e8s-invalidit\u00e9.<\/h2>\n<p>L\u2019assurance invalidit\u00e9 permet \u00e0 l\u2019emprunteur de prot\u00e9ger sa famille et son entreprise.<span class=\"exergue\"> En cas de d\u00e9c\u00e8s ou d\u2019incapacit\u00e9 totale de travail, l\u2019assurance rembourse la totalit\u00e9 du pr\u00eat \u00e0 la place des personnes concern\u00e9es (h\u00e9ritier, famille ou associ\u00e9s en fonction du contrat)<\/span>. La souscription d\u2019une assurance invalidit\u00e9 d\u00e9c\u00e8s prot\u00e8ge aussi la banque. Elle s&rsquo;assure ainsi que le pr\u00eat lui sera rembours\u00e9.<\/p>\n<p>Les primes d\u2019assurance se calculent diff\u00e9remment selon les \u00e9tablissements bancaires :<\/p>\n<ul>\n<li><span class=\"exergue\">Une majoration du taux de pr\u00eat,<\/span> s\u2019exer\u00e7ant sur le capital restant d\u00fb (par exemple 0,5%).<\/li>\n<li><span class=\"exergue\">Un montant calcul\u00e9 en fonction du capital emprunt\u00e9<\/span> (par exemple 3 \u20ac par tranche de 10\u00a0000 euros emprunt\u00e9s).<\/li>\n<\/ul>\n<p>Cet article vous a int\u00e9ress\u00e9 ? Retrouvez nos articles sur le blog de Valoxy :<\/p>\n<ul>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/comprendre-le-bilan-dentreprise-quest-ce-que-lactif-passif\/\" target=\"_self\" rel=\"noopener\">Comprendre le bilan d\u2019une entreprise<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/bilan-et-compte-de-resultat-04072014avse1\/\" target=\"_self\" rel=\"noopener\">Que sont le Bilan et le Compte de r\u00e9sultat<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/larrete-des-comptes\/\" target=\"_self\" rel=\"noopener\">L\u2019arr\u00eat\u00e9 des comptes<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>N\u00e9gocier un cr\u00e9dit professionnel ne se limite pas \u00e0 faire baisser le taux d\u2019int\u00e9r\u00eat. En effet, le co\u00fbt d\u2019un cr\u00e9dit professionnel se compose du taux d\u2019int\u00e9r\u00eat mais aussi des frais de dossier, du co\u00fbt de l\u2019assurance et dans bien des&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3364,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-7661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le co\u00fbt du cr\u00e9dit professionnel | Blog Valoxy - Expertise comptable<\/title>\n<meta name=\"description\" content=\"Le co\u00fbt d\u2019un cr\u00e9dit professionnel comprend les int\u00e9r\u00eats, les frais de dossier, l\u2019assurance et les frais de garantie.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/valoxy.org\/blog\/combien-coute-credit-professionnel-04242014avallau2\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le co\u00fbt du cr\u00e9dit professionnel | Blog Valoxy - 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