{"id":29885,"date":"2025-11-13T10:23:34","date_gmt":"2025-11-13T10:23:34","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29885"},"modified":"2025-11-13T10:26:10","modified_gmt":"2025-11-13T10:26:10","slug":"calculette-credit-consommation","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/fr\/calculette-credit-consommation\/","title":{"rendered":"Calculette cr\u00e9dit consommation"},"content":{"rendered":"\n<p><strong>Entrez un montant, une dur\u00e9e et un taux fixe<\/strong> : notre <strong>calculette de cr\u00e9dit \u00e0 la consommation<\/strong> estime <strong>mensualit\u00e9<\/strong>, <strong>co\u00fbt total<\/strong> et <strong>int\u00e9r\u00eats<\/strong> selon la <strong>LCC<\/strong> (Suisse). Id\u00e9al pour comparer plusieurs sc\u00e9narios avant de d\u00e9poser une demande chez <strong>MultiCredit<\/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><strong>\u00c0 quoi \u00e7a sert ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Trouver <strong>la mensualit\u00e9 confortable<\/strong>.<\/li>\n\n\n\n<li>V\u00e9rifier votre <strong>capacit\u00e9 d\u2019emprunt<\/strong>.<\/li>\n\n\n\n<li><strong>Comparer les dur\u00e9es<\/strong> (6 \u00e0 84 mois) et leur <strong>co\u00fbt<\/strong>.<\/li>\n\n\n\n<li>Pr\u00e9parer un <strong>dossier solide<\/strong> (sans engagement, sans contact avec l\u2019employeur).<\/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=\"Comment_utiliser_la_calculette_3_etapes\"><\/span>Comment utiliser la calculette (3 \u00e9tapes)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Montant souhait\u00e9<\/strong> (p. ex. 15\u2019000 CHF)<\/li>\n\n\n\n<li><strong>Dur\u00e9e<\/strong> (p. ex. 36, 48, 60 mois)<\/li>\n\n\n\n<li><strong>Taux fixe indicatif<\/strong> (p. ex. 5.9 % \u00e0 10.95 %)<br>\u2192 La calculette affiche <strong>mensualit\u00e9<\/strong>, <strong>int\u00e9r\u00eats totaux<\/strong> et <strong>co\u00fbt global<\/strong>.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Astuce : testez 2\u20133 dur\u00e9es pour visualiser l\u2019arbitrage <strong>mensualit\u00e9 vs co\u00fbt total<\/strong>.<\/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=\"Exemples_rapides_indicatifs\"><\/span>Exemples rapides (indicatifs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>10\u2019000 CHF sur 24 mois \u00e0 7.9 %<\/strong> \u2192 mensualit\u00e9 env. <strong>452 CHF<\/strong>, int\u00e9r\u00eats totaux env. <strong>845 CHF<\/strong><\/li>\n\n\n\n<li><strong>20\u2019000 CHF sur 48 mois \u00e0 7.9 %<\/strong> \u2192 mensualit\u00e9 env. <strong>488 CHF<\/strong>, int\u00e9r\u00eats totaux env. <strong>3\u2019430 CHF<\/strong><\/li>\n\n\n\n<li><strong>30\u2019000 CHF sur 60 mois \u00e0 6.9 %<\/strong> \u2192 mensualit\u00e9 env. <strong>592 CHF<\/strong>, int\u00e9r\u00eats totaux env. <strong>5\u2019520 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p><em>(Chiffres purement indicatifs ; l\u2019offre d\u00e9pend de votre profil, de la politique des partenaires et du rating ZEK\/IKO.)<\/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=\"Bien_lire_vos_resultats\"><\/span>Bien lire vos r\u00e9sultats<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mensualit\u00e9<\/strong> : doit rester <strong>confortable<\/strong> apr\u00e8s loyers\/charges.<\/li>\n\n\n\n<li><strong>Co\u00fbt total<\/strong> : plus la <strong>dur\u00e9e est longue<\/strong>, plus les <strong>int\u00e9r\u00eats<\/strong> s\u2019accumulent.<\/li>\n\n\n\n<li><strong>Taux<\/strong> : refl\u00e8te le <strong>risque<\/strong> et la <strong>stabilit\u00e9<\/strong> du dossier.<\/li>\n\n\n\n<li><strong>Marges de s\u00e9curit\u00e9<\/strong> : gardez un <strong>coussin de tr\u00e9sorerie<\/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=\"Pourquoi_simuler_chez_MultiCredit\"><\/span>Pourquoi simuler chez MultiCredit ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taux fixes comp\u00e9titifs<\/strong> (env. <strong>5.9 %\u201310.95 %<\/strong>)<\/li>\n\n\n\n<li><strong>Dur\u00e9es<\/strong> : <strong>6 \u00e0 84 mois<\/strong> \u2014 amortissement anticip\u00e9 <strong>possible \u00e0 tout moment<\/strong><\/li>\n\n\n\n<li><strong>Assurance d\u00e9c\u00e8s<\/strong> incluse (solde couvert)<\/li>\n\n\n\n<li><strong>\u00c9tude rapide et confidentielle<\/strong>, <strong>sans contact<\/strong> avec l\u2019employeur<\/li>\n\n\n\n<li>Conseils pour <strong>optimiser la dur\u00e9e<\/strong> et <strong>r\u00e9duire le co\u00fbt total<\/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=\"Bonnes_pratiques_avant_denvoyer_votre_demande\"><\/span>Bonnes pratiques avant d\u2019envoyer votre demande<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Viser une <strong>mensualit\u00e9 \u2264 1\/3<\/strong> de votre capacit\u00e9 libre apr\u00e8s charges.<\/li>\n\n\n\n<li>\u00c9viter le <strong>morcellement<\/strong> en micro-cr\u00e9dits : un <strong>seul pr\u00eat clair<\/strong>.<\/li>\n\n\n\n<li>Privil\u00e9gier la <strong>dur\u00e9e la plus courte<\/strong> compatible avec votre budget.<\/li>\n\n\n\n<li>Utiliser les <strong>remboursements anticip\u00e9s<\/strong> (13e salaire, bonus) pour <strong>\u00e9conomiser les int\u00e9r\u00eats<\/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=\"FAQ_%E2%80%94_Calculette_Credit_Conso\"><\/span>FAQ \u2014 Calculette Cr\u00e9dit Conso<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>La simulation vaut-elle acceptation ?<\/strong><br>Non. C\u2019est une <strong>estimation<\/strong>. L\u2019acceptation d\u00e9pend de la <strong>solvabilit\u00e9<\/strong>, des <strong>engagements ZEK\/IKO<\/strong> et de la <strong>LCC<\/strong>.<\/p>\n\n\n\n<p><strong>Puis-je changer la dur\u00e9e apr\u00e8s simulation ?<\/strong><br>Oui, jusqu\u2019\u00e0 l\u2019\u00e9mission de l\u2019offre. Nous ajustons la <strong>dur\u00e9e<\/strong> pour viser votre <strong>mensualit\u00e9 cible<\/strong>.<\/p>\n\n\n\n<p><strong>Le taux affich\u00e9 est-il garanti ?<\/strong><br>Non, il est <strong>indicatif<\/strong>. Le taux final d\u00e9pend de votre <strong>profil<\/strong> et de la <strong>politique de risque<\/strong> du pr\u00eateur.<\/p>\n\n\n\n<p><strong>Remboursement anticip\u00e9 : des frais ?<\/strong><br>Chez nos partenaires, l\u2019<strong>amortissement anticip\u00e9<\/strong> est possible ; <strong>nous visons z\u00e9ro p\u00e9nalit\u00e9<\/strong> quand c\u2019est r\u00e9alisable.<\/p>\n\n\n\n<p><strong>Quelles pi\u00e8ces acc\u00e9l\u00e8rent l\u2019\u00e9tude ?<\/strong><br>Deux \u00e0 trois <strong>fiches de salaire<\/strong>, <strong>relev\u00e9s<\/strong> r\u00e9cents, <strong>pi\u00e8ce d\u2019identit\u00e9<\/strong>, statut de s\u00e9jour si applicable, liste des <strong>cr\u00e9dits en cours<\/strong>.<\/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=\"Passez_de_la_simulation_a_une_offre_claire\"><\/span>Passez de la simulation \u00e0 une offre claire<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Envoyez vos param\u00e8tres (montant, dur\u00e9e, mensualit\u00e9 souhait\u00e9e). Nous effectuons un <strong>stress test<\/strong> et revenons avec une <strong>offre chiffr\u00e9e<\/strong> \u2014 rapide, transparente, conforme LCC.<\/p>\n\n\n\n<p><strong>MultiCredit S\u00e0rl \u2014 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>lun\u2013ven, 08:30\u201318:00<\/strong><\/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>Entrez un montant, une dur\u00e9e et un taux fixe : notre calculette de cr\u00e9dit \u00e0 la consommation estime mensualit\u00e9, co\u00fbt total et int\u00e9r\u00eats selon la LCC (Suisse). Id\u00e9al pour comparer plusieurs sc\u00e9narios avant de d\u00e9poser une demande chez MultiCredit. \u00c0 quoi \u00e7a sert ? Comment utiliser la calculette (3 \u00e9tapes) Astuce : testez 2\u20133 dur\u00e9es [&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-29885","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\/29885","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=29885"}],"version-history":[{"count":3,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29885\/revisions"}],"predecessor-version":[{"id":29890,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29885\/revisions\/29890"}],"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=29885"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/categories?post=29885"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/tags?post=29885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}