{"id":1178055,"date":"2018-01-19T08:45:10","date_gmt":"2018-01-19T13:45:10","guid":{"rendered":""},"modified":"2025-01-31T11:51:44","modified_gmt":"2025-01-31T16:51:44","slug":"4-lisez-votre-convention-de-pret","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/4-lisez-votre-convention-de-pret\/","title":{"rendered":"4. Lisez votre convention de pr\u00eat"},"content":{"rendered":"<p>Avant de signer votre convention de pr\u00eat, lisez-la attentivement. Assurez-vous de comprendre ce \u00e0 quoi vous vous engagez.<\/p>\n<p>La convention doit \u00eatre mise par \u00e9crit. Le texte doit \u00eatre \u00e9crit en caract\u00e8res assez gros pour \u00eatre facilement lisible. Gardez toujours une copie de la convention en lieu s\u00fbr.<\/p>\n<p>La convention de pr\u00eat doit comprendre :<\/p>\n<ul>\n<li>le montant que vous empruntez;<\/li>\n<li>un <strong>d\u00e9lai de r\u00e9flexion<\/strong> de deux jours, qui vous permet de r\u00e9silier la convention sans frais dans les deux jours suivant la date o\u00f9 vous l&#8217;avez sign\u00e9e, pour quelque raison que ce soit;<\/li>\n<li>le nombre de jours que vous avez pour rembourser votre pr\u00eat.<\/li>\n<li>comment est le &#8220;taux d&#8217;int\u00e9r\u00eat par d\u00e9faut&#8221; qui correspond au montant des int\u00e9r\u00eats qui vous seront factur\u00e9s si vous ne remboursez pas le pr\u00eat \u00e0 temps<\/li>\n<\/ul>\n<p>Elle devrait aussi comprendre un tableau d\u00e9taillant le co\u00fbt d&#8217;emprunt et indiquant la date de remboursement.<\/p>\n<p>Voici un exemple de tableau d&#8217;un montant emprunt\u00e9 de 400 $, le 1 juillet 2020. Dans cet exemple, le co\u00fbt d&#8217;emprunt n&#8217;est que de 12 $, au lieu du montant l\u00e9gal maximal de 14 $:<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Description de la convention de <span class=\"no-glossary\">pr\u00eat sur salaire<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td>Somme emprunt\u00e9e<\/td>\n<td>400 $<\/td>\n<\/tr>\n<tr>\n<td>Dur\u00e9e de la convention en jours<\/td>\n<td>14<\/td>\n<\/tr>\n<tr>\n<td>Co\u00fbt d&#8217;emprunt total<\/td>\n<td>56 $<\/td>\n<\/tr>\n<tr>\n<td>Co\u00fbt maximal permis par tranche de 100 $ emprunt\u00e9e<\/td>\n<td>14 $<\/td>\n<\/tr>\n<tr>\n<td>Co\u00fbt par tranche de 100 $ emprunt\u00e9e<\/td>\n<td>12 $<\/td>\n<\/tr>\n<tr>\n<td>Taux de pourcentage annuel \u00e9quivalent<\/td>\n<td>365%<\/td>\n<\/tr>\n<tr>\n<td>Ce pr\u00eat est le troisi\u00e8me ou le suivant sur une p\u00e9riode de 63 jours et est admissible \u00e0 un plan de remboursement prolong\u00e9<\/td>\n<td>Non<\/td>\n<\/tr>\n<tr>\n<td>Paiement 1: montant et date d&#8217;\u00e9ch\u00e9ance<\/td>\n<td>456 $ le 14 juillet 2020<\/td>\n<\/tr>\n<tr>\n<td>Paiement 2: montant et date d&#8217;\u00e9ch\u00e9ance (le cas \u00e9ch\u00e9ant)<\/td>\n<td>N\/A<\/td>\n<\/tr>\n<tr>\n<td>Paiement 3: montant et date d&#8217;\u00e9ch\u00e9ance (le cas \u00e9ch\u00e9ant)<\/td>\n<td>N\/A<\/td>\n<\/tr>\n<tr>\n<td>Taux d&#8217;<span class=\"no-glossary\">int\u00e9r\u00eat<\/span> par <span class=\"no-glossary\">d\u00e9faut<\/span><\/td>\n<td>59,9%<\/td>\n<\/tr>\n<tr>\n<td>Signature de l&#8217;emprunteur<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Ce que vous obtenez<\/h3>\n<p>Les r\u00e8gles stipulent que d\u00e8s que vous signez un contrat de pr\u00eat sur salaire, le pr\u00eateur sur salaire doit vous donner:<\/p>\n<ul>\n<li>une copie de l&#8217;accord imm\u00e9diatement;<\/li>\n<li>le montant total de l&#8217;argent que vous souhaitez emprunter &#8211; il ne peut pas retenir une partie pour couvrir des frais \u00e9ventuels;<\/li>\n<\/ul>\n<p>Le pr\u00eateur sur salaire doit vous remettre argent d\u00e8s que vous signez l&#8217;accord en personne, ou dans l&#8217;heure qui suit, si vous avez sign\u00e9 l&#8217;accord de pr\u00eat en ligne.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":3,"featured_media":0,"template":"","class_list":["post-1178055","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4. 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