{"id":1178062,"date":"2018-01-19T09:00:24","date_gmt":"2018-01-19T14:00:24","guid":{"rendered":""},"modified":"2025-01-29T12:59:19","modified_gmt":"2025-01-29T17:59:19","slug":"2-comprendre-les-interets","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/2-comprendre-les-interets\/","title":{"rendered":"2. Comprendre les int\u00e9r\u00eats"},"content":{"rendered":"Chaque mois de non-remboursement, le pr\u00eateur peut exiger des int\u00e9r\u00eats d’au plus 2,5 % sur le montant non rembours\u00e9. Les frais d’emprunt, les frais pour ch\u00e8que sans provision et les int\u00e9r\u00eats courus ne portent pas int\u00e9r\u00eat.<\/p>\n\n\n\n

Imaginons que vous avez obtenu un pr\u00eat sur salaire de 300 $, avec des frais<\/a> d’emprunt de 45 $. Vous devez donc 345 $ au total. Ce montant doit \u00eatre rembours\u00e9 deux semaines plus tard, \u00e0 votre prochaine paie.<\/p>\n\n\n\n

Supposons que vous ne pouvez pas rembourser les 345 $ \u00e0 temps. Le pr\u00eateur tente de pr\u00e9lever la somme dans votre compte bancaire, mais les fonds sont insuffisants. Un mois apr\u00e8s l’\u00e9ch\u00e9ance, vous devrez 7,50 $ en int\u00e9r\u00eat, soit 2,5 % des 300 $ emprunt\u00e9s et non rembours\u00e9s. Vous devrez aussi payer 25 $ pour l’insuffisance de fonds.<\/p>\n\n\n\n

Donc un mois apr\u00e8s l’\u00e9ch\u00e9ance de votre pr\u00eat, vous devrez 374,50\u00a0$ au pr\u00eateur. Voici le calcul\u00a0:<\/p>\n\n

Montant emprunt\u00e9<\/td>300,00 $<\/td><\/tr>
Frais d’emprunt<\/td>42,00\u00a0$<\/td><\/tr>
Frais pour ch\u00e8que sans provision<\/td>25,00 $<\/td><\/tr>
Int\u00e9r\u00eat (premier mois)<\/td>7,50 $<\/td><\/tr>
Montant d\u00fb un mois apr\u00e8s l’\u00e9ch\u00e9ance<\/strong><\/td>374,50\u00a0$<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Si vous n’avez toujours pas rembours\u00e9 votre pr\u00eat apr\u00e8s deux mois, vous devrez 382\u00a0$. N’oubliez pas\u00a0: le pr\u00eateur ne peut pas vous imposer de frais pour ch\u00e8que sans provision plus d’une fois, m\u00eame s’il a de nouveau tent\u00e9 de pr\u00e9lever de l’argent dans votre compte sans succ\u00e8s.<\/p>\n\n\n\n

Voici le calcul de ces 382\u00a0$\u00a0:<\/p>\n\n\n\n

Montant emprunt\u00e9<\/td>300,00 $<\/td><\/tr>
Frais d’emprunt<\/td>42,00\u00a0$<\/td><\/tr>
Frais pour ch\u00e8que sans provision<\/td>25,00 $<\/td><\/tr>
Int\u00e9r\u00eat (premier mois)<\/td>7,50 $<\/td><\/tr>
Int\u00e9r\u00eat (deuxi\u00e8me mois)<\/td>7,50 $<\/td><\/tr>
Montant d\u00fb deux mois apr\u00e8s l’\u00e9ch\u00e9ance<\/strong><\/td>382,00\u00a0$<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Si vous remboursez une partie de votre dette, le montant peut servir \u00e0 payer :<\/p>\n\n\n\n

    \n
  • les frais d’emprunt;<\/li>\n\n\n\n
  • les frais pour ch\u00e8que sans provision;<\/li>\n\n\n\n
  • les int\u00e9r\u00eats dus.<\/li>\n<\/ul>\n\n\n\n

    S’il reste de l’argent, le pr\u00eateur le soustraira du montant emprunt\u00e9.<\/p>\n\n\n\n

    Par exemple, si vous remboursez 100 $ apr\u00e8s le deuxi\u00e8me mois, voici comment le pr\u00eateur peut utiliser cette somme :<\/p>\n\n\n\n

    Portion utilis\u00e9e<\/td>Remboursement<\/td><\/tr><\/thead>
    42,00\u00a0$<\/td>Frais d’emprunt<\/td><\/tr>
    25,00 $<\/td>Frais pour ch\u00e8que sans provision<\/td><\/tr>
    7,50 $<\/td>Int\u00e9r\u00eat (premier mois)<\/td><\/tr>
    7,50 $<\/td>Int\u00e9r\u00eat (deuxi\u00e8me mois)<\/td><\/tr>
    14,00\u00a0$<\/td>Pr\u00eat original (300 $)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Donc sur 100 $, seuls 14 $ servent \u00e0 r\u00e9duire votre dette. Et vous devez toujours 286 $.<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","class_list":["post-1178062","steps","type-steps","status-publish","hentry"],"yoast_head":"\n2. Comprendre les int\u00e9r\u00eats - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Chaque mois de non-remboursement, le pr\u00eateur peut exiger des int\u00e9r\u00eats d'au plus 2,5 % sur le montant non rembours\u00e9. Les frais d'emprunt, les frais\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/2-comprendre-les-interets\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2. 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