{"id":4178,"date":"2024-09-30T04:50:02","date_gmt":"2024-09-30T08:50:02","guid":{"rendered":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/?page_id=4178"},"modified":"2024-11-06T09:11:10","modified_gmt":"2024-11-06T14:11:10","slug":"credit","status":"publish","type":"page","link":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/credit","title":{"rendered":"Cr\u00e9dit"},"content":{"rendered":"\n<div class=\"wp-block-ab-animate block13 bs-KTcPx d-block d-xl-flex align-items-center\">\n<div class=\"wp-block-ab-animate block14 bs-Zqyanw\">\n<div class=\"wp-block-ab-animate\">\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-content\/uploads\/2024\/10\/9-credit-illust.svg\" alt=\"\" class=\"wp-image-6018\" style=\"object-fit:cover;width:450px;height:310px\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ab-animate block15 bs-1IGUFf\">\n<div class=\"wp-block-ab-animate block16 bs-247jWV\"><\/div>\n\n\n\n<div class=\"wp-block-ab-animate block17 bs-Z1mtxA4\">\n<p class=\"p-block bs-t1TpC\">Le cr\u00e9dit vous permet d\u2019acheter et de payer plus tard, en&nbsp;payant&nbsp;des&nbsp;int\u00e9r\u00eats.<\/p>\n\n\n\n<p class=\"p-block bs-1CSVuu\">Il existe de nombreux types de cr\u00e9dits :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Carte de cr\u00e9dit<\/li>\n\n\n\n<li>Pr\u00eat personnel<\/li>\n\n\n\n<li>Marge de cr\u00e9dit<\/li>\n\n\n\n<li>Pr\u00eat hypoth\u00e9caire<\/li>\n\n\n\n<li>Etc<\/li>\n\n\n\n\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-ab-animate\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ab-animate block20 bs-ZQ4yG6\"><\/div>\n\n\n                <div class=\"block-info\" style=\"--color: #F26421;\">\n                    <div class=\"block-info__container\">\n                        <div class=\"block-info__row\">\n                            <div class=\"block-info__header\">\n                                                                    <img decoding=\"async\" class=\"block-info__icon\" src=\"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-content\/uploads\/2024\/10\/groupe-1063.svg\" alt=\"\">\n                                                            <\/div>\n                            <div class=\"block-info__content\">                             \n                                <h4 class=\"block-info__title\">Attention<\/h4>\n                                <div class=\"block-info__contenu\">\n                                    <p>Les types de cr\u00e9dit les plus faciles \u00e0 obtenir sont aussi les plus co\u00fbteux. Faites attention aux pr\u00eats rapides, aux pr\u00eateurs sur gages et\u00a0au\u00a0financement \u00ab\u00a0Achetez maintenant et\u00a0payez plus tard\u00a0\u00bb.<\/p>                                <\/div>\n                            <\/div>                            \n                        <\/div>\n                    <\/div>\n                <\/div>\n                \n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-ab-animate block10 bs-Z14ODiB\">\n<div class=\"wp-block-ab-animate block11 bs-ZoWM2x\">\n<h2 class=\"wp-block-heading\">Dossier de cr\u00e9dit<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-ab-animate block12 bs-Z1heeYt\">\n<p>Il est important d\u2019avoir un bon dossier de cr\u00e9dit pour obtenir toute forme de pr\u00eat ou de financement au Qu\u00e9bec. Le dossier de&nbsp;cr\u00e9dit est un document regroupant diff\u00e9rentes informations sur votre situation financi\u00e8re. Il permet de vous identifier et de savoir si vous remboursez vos dettes selon l\u2019engagement pr\u00e9vu.<\/p>\n\n\n\n<p>Vous pouvez demander des conseils pour maintenir un bon dossier de cr\u00e9dit \u00e0 <a href=\"https:\/\/aceflanaudiere.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">l\u2019ACEF<\/a> ou \u00e0 un conseiller financier. Il est possible d\u2019obtenir gratuitement une copie de votre dossier aupr\u00e8s des bureaux de cr\u00e9dit <a href=\"https:\/\/assets.equifax.com\/assets\/canada\/french\/demandededossierdecredit.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Equifax<\/a> ou aupr\u00e8s de votre institution financi\u00e8re.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-ab-animate\"><\/div>\n<\/div>\n\n\n                <div class=\"block-info\" style=\"--color: #0DA0DE;\">\n                    <div class=\"block-info__container\">\n                        <div class=\"block-info__row\">\n                            <div class=\"block-info__header\">\n                                                                    <img decoding=\"async\" class=\"block-info__icon\" src=\"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-content\/uploads\/2024\/10\/groupe-271.svg\" alt=\"\">\n                                                            <\/div>\n                            <div class=\"block-info__content\">                             \n                                <h4 class=\"block-info__title\">Conseil utile<\/h4>\n                                <div class=\"block-info__contenu\">\n                                    <p>Pour avoir un bon dossier de cr\u00e9dit, assurez-vous de payer vos factures et&nbsp;vos pr\u00eats avant les dates d\u2019\u00e9ch\u00e9ance.<\/p>                                <\/div>\n                            <\/div>                            \n                        <\/div>\n                    <\/div>\n                <\/div>\n                \n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group deborder-right block5 has-background bs-Z2dbXnW\" style=\"background-color:#fee86d\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-ab-animate d-lg-flex align-items-center\">\n<div class=\"wp-block-ab-animate mark6 bs-qqthY\">\n<div class=\"wp-block-ab-animate block7 bs-Z165CGK text-center\">\n<figure class=\"wp-block-image size-full is-resized mob-deborde\"><img loading=\"lazy\" decoding=\"async\" width=\"841\" height=\"559\" src=\"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-content\/uploads\/2024\/10\/9-credit_carte-de-credit.jpg\" alt=\"\" class=\"wp-image-6063\" style=\"object-fit:cover;width:487px;height:330px\" srcset=\"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-content\/uploads\/2024\/10\/9-credit_carte-de-credit.jpg 841w, https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-content\/uploads\/2024\/10\/9-credit_carte-de-credit-300x199.jpg 300w, https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-content\/uploads\/2024\/10\/9-credit_carte-de-credit-768x510.jpg 768w\" sizes=\"(max-width: 841px) 100vw, 841px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-ab-animate block6 bs-Z14vflM\">\n<div class=\"wp-block-ab-animate block8 bs-26PTGa\">\n<h2 class=\"wp-block-heading\">Carte de cr\u00e9dit<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-ab-animate block9 bs-Z1vIx7I\">\n<p class=\"has-text-align-left\">Les cartes de cr\u00e9dit sont \u00e9mises par des institutions financi\u00e8res ou de grands magasins. Elles peuvent devenir une forme de cr\u00e9dit co\u00fbteuse.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Chaque mois, un relev\u00e9 est disponible afin de vous aviser du montant \u00e0 rembourser. Si vous payez la totalit\u00e9 de ce montant avant la date pr\u00e9vue, aucun int\u00e9r\u00eat ne vous sera factur\u00e9. En cas de retard, les int\u00e9r\u00eats sont factur\u00e9s sur la totalit\u00e9 du montant \u00e0 partir de la date d\u2019achat. Il est recommand\u00e9 de payer la totalit\u00e9 de votre facture mensuelle et d\u2019\u00e9viter les paiements minimums.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-ab-animate\"><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4178","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-json\/wp\/v2\/pages\/4178"}],"collection":[{"href":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-json\/wp\/v2\/comments?post=4178"}],"version-history":[{"count":31,"href":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-json\/wp\/v2\/pages\/4178\/revisions"}],"predecessor-version":[{"id":7083,"href":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-json\/wp\/v2\/pages\/4178\/revisions\/7083"}],"wp:attachment":[{"href":"https:\/\/mrclassomption.qc.ca\/guide-nouveaux-arrivants\/wp-json\/wp\/v2\/media?parent=4178"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}