{"id":29934,"date":"2025-11-13T13:49:17","date_gmt":"2025-11-13T13:49:17","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29934"},"modified":"2025-11-13T14:01:34","modified_gmt":"2025-11-13T14:01:34","slug":"comment-demander-un-credit-auto-en-suisse","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/fr\/comment-demander-un-credit-auto-en-suisse\/","title":{"rendered":"Comment demander un cr\u00e9dit auto en Suisse"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Choisissez_la_bonne_formule\"><\/span>Choisissez la bonne formule<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cr\u00e9dit auto (pr\u00eat personnel affect\u00e9)<\/strong><br>Vous \u00eates <strong>propri\u00e9taire<\/strong> du v\u00e9hicule d\u00e8s l\u2019achat. Mensualit\u00e9s fixes, revente possible \u00e0 tout moment.<br><em>Assurance casco compl\u00e8te recommand\u00e9e mais non toujours obligatoire.<\/em><\/li>\n\n\n\n<li><strong>Leasing<\/strong><br>Vous <strong>n\u2019\u00eates pas propri\u00e9taire<\/strong> (carte grise au bailleur). Kilom\u00e9trage limit\u00e9, frais de restitution possibles.<br><em>Casco compl\u00e8te g\u00e9n\u00e9ralement <strong>obligatoire<\/strong>.<\/em><br><strong>Conseil MultiCr\u00e9dit :<\/strong> nous comparons <a href=\"https:\/\/multicredit.ch\/fr\/credit\/credit-vehicule\/financement-automobile\/\" data-type=\"page\" data-id=\"105\">cr\u00e9dit auto<\/a> et <a href=\"https:\/\/multicredit.ch\/fr\/leasing-auto\/\" data-type=\"post\" data-id=\"29074\">leasing <\/a>(co\u00fbt total, flexibilit\u00e9, obligations d\u2019assurance) et vous proposons le <strong>sc\u00e9nario le plus \u00e9conomique<\/strong> selon votre profil.<\/li>\n<\/ul>\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<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conditions_doctroi_principes\"><\/span>Conditions d\u2019octroi (principes)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revenus stables en Suisse<\/strong>, budget positif apr\u00e8s charges (test de capacit\u00e9 \u201cstress\u00e9\u201d).<\/li>\n\n\n\n<li><strong>Poursuites<\/strong> : id\u00e9alement aucune r\u00e9cente ou r\u00e9gularis\u00e9es.<\/li>\n\n\n\n<li><strong>\u00c2ge &amp; permis<\/strong> : majeur\u00b7e, permis de s\u00e9jour valable.<\/li>\n\n\n\n<li><strong>V\u00e9hicule<\/strong> : montant coh\u00e9rent avec la valeur, l\u2019\u00e2ge et le kilom\u00e9trage (les pr\u00eateurs limitent parfois l\u2019<strong>\u00e2ge &gt; 8\u201310 ans<\/strong> ou <strong>&gt;150\u2019000 km<\/strong> pour certains montants\/dur\u00e9es).<\/li>\n<\/ul>\n\n\n\n<iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/PyToX_U0UvE?si=Q1lhqmn_mtbXxvLS\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_a_preparer\"><\/span>Documents \u00e0 pr\u00e9parer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Identit\u00e9 &amp; situation<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Carte d\u2019identit\u00e9\/passeport + permis B\/C\/G, attestation de domicile.<\/li>\n\n\n\n<li>3\u20136 <strong>fiches de salaire<\/strong> (ou AVS\/bilan pour ind\u00e9pendants), contrat de travail.<\/li>\n\n\n\n<li><strong>Extrait du Registre des poursuites<\/strong> (r\u00e9cent), <strong>relev\u00e9s bancaires<\/strong> (souvent 3 mois).<\/li>\n<\/ul>\n\n\n\n<p><strong>V\u00e9hicule<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Offre\/facture pro forma<\/strong> du garage (marque, mod\u00e8le, <strong>VIN<\/strong>, prix, options).<\/li>\n\n\n\n<li>Pour une occasion : <strong>contr\u00f4le technique\/attestation<\/strong> (si dispo), carnet d\u2019entretien, kilom\u00e9trage.<\/li>\n\n\n\n<li>En achat \u00e0 un <strong>particulier<\/strong> : contrat de vente sign\u00e9, copie de la <strong>carte grise<\/strong>\/permis de circulation, coordonn\u00e9es compl\u00e8tes.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Budgetez_votre_mensualite_repere_simple\"><\/span>Budgetez votre mensualit\u00e9 (rep\u00e8re simple)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sur <strong>48 mois<\/strong>, comptez <strong>~24\u201325 CHF par 1\u2019000 CHF emprunt\u00e9s<\/strong> (ordre de grandeur avec un TAEG courant).<br><em>Ex.<\/em> 20\u2019000 CHF \u2192 <strong>~490\u2013500 CHF\/mois<\/strong>.<br><strong>Bonne pratique :<\/strong> laissez une <strong>marge de s\u00e9curit\u00e9<\/strong> apr\u00e8s charges (loyer, assurances, imp\u00f4ts, autres cr\u00e9dits).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Securisez_lachat_neuf_occasion\"><\/span>S\u00e9curisez l\u2019achat (neuf &amp; occasion)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Garage professionnel<\/strong> : garantie l\u00e9gale\/contractuelle, reprise possible, historique.<\/li>\n\n\n\n<li><strong>Particulier<\/strong> : privil\u00e9giez un <strong>contr\u00f4le ind\u00e9pendant<\/strong> (TCS\/garagiste), v\u00e9rifiez <strong>VIN<\/strong> et \u00e9ventuels gages, stipulez noir sur blanc \u201c<strong>pay\u00e9 sous r\u00e9serve d\u2019obtention du financement<\/strong>\u201d.<\/li>\n\n\n\n<li><strong>Import UE<\/strong> : anticipez TVA, homologation, plaques, d\u00e9lais.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deroule_MultiCredit_pas_a_pas\"><\/span>D\u00e9roul\u00e9 MultiCr\u00e9dit (pas \u00e0 pas)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pr\u00e9-diagnostic gratuit<\/strong> : faisabilit\u00e9, comparaison cr\u00e9dit vs leasing, mensualit\u00e9 cible.<\/li>\n\n\n\n<li><strong>Structuration<\/strong> : dossier complet <strong>\u201cstandard pr\u00eateur auto\u201d<\/strong> (pi\u00e8ces perso + pack v\u00e9hicule).<\/li>\n\n\n\n<li><strong>Mise en concurrence<\/strong> : s\u00e9lection des \u00e9tablissements adapt\u00e9s (v\u00e9hicule neuf\/occas, \u00e2ge\/km, profil).<\/li>\n\n\n\n<li><strong>Optimisation<\/strong> : ajustement <strong>montant\/dur\u00e9e\/acompte<\/strong> pour obtenir un <strong>premier \u201coui\u201d propre<\/strong>.<\/li>\n\n\n\n<li><strong>D\u00e9blocage<\/strong> : fonds vers garage\/vendeur (ou \u00e0 vous selon cas), puis <strong>immatriculation\/assurance<\/strong>.<\/li>\n\n\n\n<li><strong>Apr\u00e8s l\u2019accord<\/strong> : v\u00e9rification TAEG\/frais, param\u00e9trage du <strong>pr\u00e9l\u00e8vement<\/strong> (lendemain de salaire).<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eviter_ces_erreurs_frequentes\"><\/span>\u00c9viter ces erreurs fr\u00e9quentes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sous-estimer<\/strong> l\u2019assurance (casco) et l\u2019entretien (pneus, services).<\/li>\n\n\n\n<li>Oublier des <strong>cr\u00e9dits\/leases<\/strong> existants dans la d\u00e9claration.<\/li>\n\n\n\n<li><strong>Sur\u00e9valuer<\/strong> la reprise ou n\u00e9gliger les frais d\u2019immatriculation.<\/li>\n\n\n\n<li>Multiplier les demandes simultan\u00e9es (d\u00e9grade le scoring).<\/li>\n\n\n\n<li>Choisir une <strong>dur\u00e9e trop longue<\/strong> pour une voiture tr\u00e8s \u00e2g\u00e9e (risque de revente forc\u00e9e).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ_express\"><\/span>FAQ express<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Puis-je revendre le v\u00e9hicule si je prends un cr\u00e9dit ?<\/strong> Oui, vous \u00eates propri\u00e9taire ; vous remboursez le solde restant.<\/li>\n\n\n\n<li><strong>Acompte ?<\/strong> Pas obligatoire en cr\u00e9dit ; en leasing, souvent recommand\u00e9 pour baisser la mensualit\u00e9.<\/li>\n\n\n\n<li><strong>\u00c9lectrique\/Hybride ?<\/strong> V\u00e9rifiez <strong>garantie batterie<\/strong> (SoH), co\u00fbt d\u2019assurance et valeur r\u00e9siduelle ; nous adaptons la dur\u00e9e.<\/li>\n\n\n\n<li><strong>Droit de r\u00e9tractation ?<\/strong> En cr\u00e9dit conso, <strong>14 jours<\/strong> apr\u00e8s r\u00e9ception du contrat contresign\u00e9 (LCC).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Checklist_pret_a_envoyer\"><\/span>Checklist pr\u00eat \u00e0 envoyer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identit\u00e9 + permis de s\u00e9jour<\/li>\n\n\n\n<li>3\u20136 fiches de salaire (+ AVS\/bilans si ind\u00e9pendant\u00b7e)<\/li>\n\n\n\n<li>Extrait <strong>poursuites<\/strong> + 3 relev\u00e9s bancaires<\/li>\n\n\n\n<li><strong>Offre\/facture<\/strong> du v\u00e9hicule (avec VIN)<\/li>\n\n\n\n<li>Occasion : contr\u00f4le\/attestation, carnet d\u2019entretien<\/li>\n\n\n\n<li>Particulier : contrat de vente + copie carte grise<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contact_MultiCredit_avec_conseil_gratuit_rapide\"><\/span>Contact MultiCredit avec conseil gratuit &amp; rapide<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>T\u00e9l\u00e9phone<\/strong> : 026 322 23 10<\/li>\n\n\n\n<li><strong>Mobile\/WhatsApp<\/strong> : 079 936 31 75<\/li>\n\n\n\n<li><strong>E-mail<\/strong> : <a href=\"mailto:info@multicredit.ch\">info@multicredit.ch<\/a><\/li>\n\n\n\n<li><strong>Bureau<\/strong> : Rue de la Banque 4, <strong>1700 Fribourg<\/strong> (accueil sur rendez-vous)<\/li>\n<\/ul>\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>Choisissez la bonne formule Conditions d\u2019octroi (principes) Documents \u00e0 pr\u00e9parer Identit\u00e9 &amp; situation V\u00e9hicule Budgetez votre mensualit\u00e9 (rep\u00e8re simple) S\u00e9curisez l\u2019achat (neuf &amp; occasion) D\u00e9roul\u00e9 MultiCr\u00e9dit (pas \u00e0 pas) \u00c9viter ces erreurs fr\u00e9quentes FAQ express Checklist pr\u00eat \u00e0 envoyer Contact MultiCredit avec conseil gratuit &amp; rapide Essayez notre simulateur de cr\u00e9dit en ligne Un article [&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":[787,7],"tags":[],"class_list":["post-29934","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-credit-auto"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29934","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=29934"}],"version-history":[{"count":6,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29934\/revisions"}],"predecessor-version":[{"id":29963,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/29934\/revisions\/29963"}],"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=29934"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/categories?post=29934"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/tags?post=29934"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}