{"id":29788,"date":"2025-11-01T15:16:31","date_gmt":"2025-11-01T15:16:31","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29788"},"modified":"2025-11-01T15:28:07","modified_gmt":"2025-11-01T15:28:07","slug":"credit-a-la-consommation-divorce-respirer-financierement-rester-serein","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/fr\/credit-a-la-consommation-divorce-respirer-financierement-rester-serein\/","title":{"rendered":"Cr\u00e9dit \u00e0 la consommation &amp; Divorce : respirer financi\u00e8rement, rester serein"},"content":{"rendered":"\n<p>Un <strong>divorce<\/strong> ou une <strong>s\u00e9paration<\/strong> cr\u00e9e deux vies \u00e0 (re)construire : <strong>deux logements<\/strong>, des <strong>frais juridiques<\/strong>, une <strong>nouvelle organisation<\/strong> pour les enfants, parfois un <strong>rachat de soulte<\/strong> ou le <strong>remboursement de dettes communes<\/strong>. Bien utilis\u00e9, un <strong>cr\u00e9dit \u00e0 la consommation<\/strong> peut jouer un <strong>r\u00f4le d\u2019amortisseur<\/strong> \u2014 \u00e0 condition de <strong>rester responsable<\/strong>, <strong>transparent<\/strong> et <strong>conforme \u00e0 la LCC<\/strong>.<\/p>\n\n\n\n<iframe allow=\"autoplay *; encrypted-media *; fullscreen *; clipboard-write\" frameborder=\"0\" height=\"450\" style=\"width:100%;max-width:660px;overflow:hidden;border-radius:10px;\" sandbox=\"allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\" src=\"https:\/\/embed.podcasts.apple.com\/fr\/podcast\/multicredit-sp%C3%A9cialiste-cr%C3%A9dit-priv%C3%A9-en-suisse\/id1794179029\"><\/iframe>\n\n\n\n<p>Chez <strong>MultiCredit<\/strong>, nous s\u00e9curisons cette \u00e9tape avec une <strong>\u00e9tude individuelle<\/strong>, <strong>confidentielle<\/strong> et <strong>chiffr\u00e9e<\/strong> pour prot\u00e9ger votre budget et votre avenir.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quand_un_credit_conso_peut_vous_aider_pendant_un_divorce\"><\/span>Quand un cr\u00e9dit conso peut vous aider pendant un divorce<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Frais imm\u00e9diats<\/strong> : honoraires d\u2019avocat\/mediation, d\u00e9p\u00f4ts de garantie, d\u00e9m\u00e9nagement, ameublement du nouveau foyer.<\/li>\n\n\n\n<li><strong>Tr\u00e9sorerie de transition<\/strong> : en attendant une pension fix\u00e9e, une vente (voiture\/bien), un bonus ou une liquidation du r\u00e9gime matrimonial.<\/li>\n\n\n\n<li><strong>Regroupement de dettes<\/strong> : remplacer plusieurs petits cr\u00e9dits\/cartes par <strong>une mensualit\u00e9 unique<\/strong>, plus lisible.<\/li>\n\n\n\n<li><strong>Rachat de soulte (part immobili\u00e8re) \u2013 cas par cas<\/strong> : le pr\u00eat conso peut couvrir des <strong>frais p\u00e9riph\u00e9riques<\/strong> (notaire, travaux urgents, taxes) si la <strong>capacit\u00e9<\/strong> et la <strong>LTV<\/strong> restent solides.<\/li>\n\n\n\n<li><strong>Stabilisation du budget parental<\/strong> : lissage des d\u00e9penses en d\u00e9but de s\u00e9paration pour pr\u00e9server l\u2019<strong>int\u00e9r\u00eat des enfants<\/strong> (garde, activit\u00e9s, mobilit\u00e9).<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Priorit\u00e9 absolue : <strong>la mensualit\u00e9 de votre <\/strong><a href=\"https:\/\/multicredit.ch\/fr\">cr\u00e9dit <\/a><strong>doit rester confortable<\/strong> apr\u00e8s loyer, charges, contributions de maintenance et co\u00fbts des enfants.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_que_la_loi_et_les_banques_attendent\"><\/span>Ce que la loi et les banques attendent<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>LCC<\/strong> : nous testons la <strong>capacit\u00e9<\/strong> et la <strong>solvabilit\u00e9<\/strong> (ZEK\/IKO) avant d\u2019\u00e9mettre une offre.<\/li>\n\n\n\n<li><strong>Transparence<\/strong> : d\u00e9clarer cr\u00e9dits existants, s\u00e9paration de biens envisag\u00e9e\/act\u00e9e, pensions.<\/li>\n\n\n\n<li><strong>Hypoth\u00e8que &amp; soulte<\/strong> : l\u2019<strong>apport \u201cdur\u201d<\/strong> li\u00e9 \u00e0 une \u00e9ventuelle hypoth\u00e8que <strong>ne peut pas<\/strong> \u00eatre \u201cfabriqu\u00e9\u201d par un pr\u00eat conso ; on l\u2019utilise plut\u00f4t <strong>autour<\/strong> de l\u2019op\u00e9ration (frais, tr\u00e9sorerie).<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conditions_indicatives_exemple\"><\/span>Conditions indicatives (exemple)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Montant<\/strong> : 3\u2019000 \u00e0 400\u2019000 CHF<\/li>\n\n\n\n<li><strong>Dur\u00e9e<\/strong> : 6 \u00e0 84 mois<\/li>\n\n\n\n<li><strong>Taux fixes indicatifs<\/strong> : env. 5.9 % \u00e0 10.95 %<\/li>\n\n\n\n<li><strong>Remboursement anticip\u00e9<\/strong> : possible \u00e0 tout moment<\/li>\n\n\n\n<li><strong>Assurance d\u00e9c\u00e8s<\/strong> : incluse (solde couvert)<\/li>\n\n\n\n<li><strong>Confidentialit\u00e9<\/strong> : <strong>aucun contact avec l\u2019employeur<\/strong><\/li>\n<\/ul>\n\n\n\n<p><em>(Param\u00e8tres finaux selon profil pour votre <a href=\"https:\/\/multicredit.ch\/fr\/demande-de-credit\/\">demande de cr\u00e9dit<\/a>, charges, revenus, d\u00e9cisions judiciaires, ZEK\/IKO, partenaires pr\u00eateurs.)<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_mini-scenarios_chiffres\"><\/span>2 mini-sc\u00e9narios chiffr\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Sc\u00e9nario A \u2014 Installation rapide<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Besoin : <strong>12\u2019000 CHF<\/strong> (d\u00e9p\u00f4t 2 loyers + d\u00e9m\u00e9nagement + meubles de base)<\/li>\n\n\n\n<li>Dur\u00e9e : <strong>36 mois<\/strong> \u00b7 Taux 7.9 %<\/li>\n\n\n\n<li>Mensualit\u00e9 indicative : <strong>~376 CHF<\/strong> \u00b7 Int\u00e9r\u00eats totaux : <strong>~1\u2019536 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>Sc\u00e9nario B \u2014 Regroupement de dettes<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 cr\u00e9dits\/cartes totalisant <strong>22\u2019500 CHF<\/strong> \u2192 <strong>un seul pr\u00eat<\/strong> de <strong>22\u2019500 CHF<\/strong><\/li>\n\n\n\n<li>Dur\u00e9e : <strong>48 mois<\/strong> \u00b7 Taux 7.5 %<\/li>\n\n\n\n<li>Mensualit\u00e9 indicative : <strong>~541 CHF<\/strong> (au lieu de ~3 x 230\u2013250 CHF)<\/li>\n\n\n\n<li>Gain : <strong>visibilit\u00e9<\/strong>, dates fixes, potentiel <strong>co\u00fbt total<\/strong> r\u00e9duit selon cas.<\/li>\n<\/ul>\n\n\n\n<p><em>(Simulations indicatives \u2014 \u00e0 affiner avec vos justificatifs.)<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_utiles_accelerent_letude\"><\/span>Documents utiles (acc\u00e9l\u00e8rent l\u2019\u00e9tude)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Jugement de mesures protectrices<\/strong>\/convention de s\u00e9paration (si disponible)<\/li>\n\n\n\n<li><strong>Revenus<\/strong> : 2\u20133 <strong>fiches de salaire<\/strong>, attestations (allocations\/ pensions per\u00e7ues ou vers\u00e9es)<\/li>\n\n\n\n<li><strong>Charges<\/strong> : loyer, assurances, pensions, garde\/enfants<\/li>\n\n\n\n<li><strong>Dettes<\/strong> : \u00e9ch\u00e9anciers\/cr\u00e9dits\/cartes (transparence ZEK\/IKO)<\/li>\n\n\n\n<li><strong>Relev\u00e9s bancaires<\/strong> r\u00e9cents, pi\u00e8ce d\u2019identit\u00e9, permis de s\u00e9jour si applicable<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Erreurs_frequentes_a_eviter\"><\/span>Erreurs fr\u00e9quentes \u00e0 \u00e9viter<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sous-estimer<\/strong> le co\u00fbt total du <strong>double foyer<\/strong> (transport, assurances, abonnements).<\/li>\n\n\n\n<li><strong>Allonger trop<\/strong> la dur\u00e9e \u201cpour baisser la mensualit\u00e9\u201d \u2192 <strong>int\u00e9r\u00eats<\/strong> plus \u00e9lev\u00e9s.<\/li>\n\n\n\n<li><strong>Multiplier<\/strong> micro-cr\u00e9dits et cartes : pr\u00e9f\u00e9rez <strong>un pr\u00eat clair, unique<\/strong>.<\/li>\n\n\n\n<li><strong>Ignorer les pensions<\/strong> (\u00e0 payer\/\u00e0 recevoir) dans le calcul de capacit\u00e9.<\/li>\n\n\n\n<li><strong>Attendre trop<\/strong> : mieux vaut stabiliser t\u00f4t un budget <strong>r\u00e9aliste<\/strong>.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Notre_methode_claire_humaine_responsable\"><\/span>Notre m\u00e9thode : claire, humaine, responsable<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Diagnostic 360\u00b0<\/strong> (revenus, charges, enfants, ZEK\/IKO, objectifs).<\/li>\n\n\n\n<li><strong>Simulations<\/strong> : 2\u20133 dur\u00e9es, mensualit\u00e9 cible, <strong>stress test<\/strong> du budget post-s\u00e9paration.<\/li>\n\n\n\n<li><strong>Structuration<\/strong> : pr\u00eat conso seul ou <strong>regroupement<\/strong> ; calendrier de <strong>remboursement anticip\u00e9<\/strong> (13e, bonus, vente d\u2019un actif).<\/li>\n\n\n\n<li><strong>Accompagnement<\/strong> jusqu\u2019\u00e0 la signature (et apr\u00e8s) avec des points de contr\u00f4le \u00e0 3\u20136 mois.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ_rapide\"><\/span>FAQ rapide<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Le pr\u00eat peut-il financer la soulte ?<\/strong><br>Pas l\u2019<strong>apport \u201cdur\u201d<\/strong> d\u2019une hypoth\u00e8que. En revanche, il peut couvrir <strong>frais p\u00e9riph\u00e9riques<\/strong> si la capacit\u00e9 suit.<\/p>\n\n\n\n<p><strong>Que se passe-t-il si la pension change ?<\/strong><br>Nous <strong>r\u00e9-\u00e9valuons<\/strong> la capacit\u00e9 et pouvons <strong>r\u00e9am\u00e9nager<\/strong> la dur\u00e9e si n\u00e9cessaire, sous r\u00e9serve d\u2019acceptation.<\/p>\n\n\n\n<p><strong>Puis-je rembourser d\u00e8s la vente d\u2019un bien ?<\/strong><br>Oui, le <strong>remboursement anticip\u00e9<\/strong> est possible (objectif : minimiser le co\u00fbt d\u2019int\u00e9r\u00eat).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Parlez_a_un_conseiller_MultiCredit_%E2%80%94_en_toute_confidentialite\"><\/span>Parlez \u00e0 un conseiller MultiCredit \u2014 en toute confidentialit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>MultiCredit S\u00e0rl \u2013 Votre sp\u00e9cialiste du cr\u00e9dit depuis 1999<\/strong><br>Rue de la Banque 4, CP 77 \u2014 1701 Fribourg, Suisse<br>T\u00e9l. <strong>026 322 23 10<\/strong> \u00b7 Mobile <strong>079 936 31 75<\/strong><br>E-mail <strong><a href=\"mailto:info@multicredit.ch\">info@multicredit.ch<\/a><\/strong><br>Horaires : <strong>lundi\u2013vendredi, 08:30\u201318:00<\/strong><\/p>\n\n\n\n<p><strong>MultiCredit<\/strong> \u2014 Le bon financement, au bon moment, pour la bonne raison.<\/p>\n\n\n\n<p>Essayez notre <a href=\"https:\/\/multicredit.ch\/fr\/credit\/simulateur\/\" data-type=\"page\" data-id=\"27607\">simulateur de cr\u00e9dit<\/a> en ligne<\/p>\n\n\n\n<p>Un article de <a href=\"https:\/\/creators.spotify.com\/pod\/profile\/queltalent\/episodes\/Mnr-Aslan---Expert-en-financement-dentreprise-depuis-plus-de-25-ans---Emission-du-29-janvier-2025-e2ues37\" target=\"_blank\" rel=\"noopener\">Munur Aslan<\/a> directeur de MultiCredit<\/p>\n\n\n\n<iframe\u00a0 src=\"https:\/\/maps.google.com\/maps?q=Multicredit&#038;z=15&#038;output=embed\"\n\u00a0 width=\"600\"\n\u00a0 height=\"450\"\n\u00a0 style=\"border:0;\"\n\u00a0 loading=\"lazy\"\n\u00a0 allowfullscreen>\n<\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Un divorce ou une s\u00e9paration cr\u00e9e deux vies \u00e0 (re)construire : deux logements, des frais juridiques, une nouvelle organisation pour les enfants, parfois un rachat de soulte ou le remboursement de dettes communes. Bien utilis\u00e9, un cr\u00e9dit \u00e0 la consommation peut jouer un r\u00f4le d\u2019amortisseur \u2014 \u00e0 condition de rester responsable, transparent et conforme \u00e0 [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":28925,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[787],"tags":[],"class_list":["post-29788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/comments?post=29788"}],"version-history":[{"count":6,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29788\/revisions"}],"predecessor-version":[{"id":29803,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29788\/revisions\/29803"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/media\/28925"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/media?parent=29788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/categories?post=29788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/tags?post=29788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}