{"id":1178071,"date":"2018-01-18T16:17:04","date_gmt":"2018-01-18T21:17:04","guid":{"rendered":""},"modified":"2025-01-29T15:21:09","modified_gmt":"2025-01-29T20:21:09","slug":"4-demandez-un-pret-a-une-banque-ou-a-une-caisse-populaire","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/4-demandez-un-pret-a-une-banque-ou-a-une-caisse-populaire\/","title":{"rendered":"4. Demandez un pr\u00eat \u00e0 une banque ou \u00e0 une caisse populaire"},"content":{"rendered":"\n<p>Peut-\u00eatre croyez-vous que la banque ou la caisse populaire n&#8217;acceptera pas de vous pr\u00eater de l&#8217;argent. La seule fa\u00e7on de le savoir, c&#8217;est de leur demander. M\u00eame si elles ne vous ont pas donn\u00e9 de pr\u00eats dans le pass\u00e9, leur d\u00e9cision pourrait \u00eatre diff\u00e9rente aujourd&#8217;hui.<\/p>\n\n\n\n<p>M\u00eame si vous avez encore des probl\u00e8mes financiers, si votre situation actuelle est diff\u00e9rente d&#8217;avant, vous pourriez obtenir un pr\u00eat. Si vous avez maintenant un revenu r\u00e9gulier, vous pourriez \u00eatre admissible \u00e0 un pr\u00eat.<\/p>\n\n\n\n<p>La banque ou la caisse populaire pourrait aussi accepter de vous pr\u00eater de l&#8217;argent si vous trouvez un cosignataire ou un garant. Vous pouvez demander \u00e0 un parent ou \u00e0 un ami de cosigner pour votre pr\u00eat.<\/p>\n\n\n\n<p>Les pr\u00eats consentis par les banques et les caisses populaires comportent bien des avantages que les pr\u00eats sur salaire n&#8217;offrent pas. En voici des exemples&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le taux d&#8217;int\u00e9r\u00eat\u00a0: les banques et les caisses populaires peuvent vous offrir un taux d&#8217;int\u00e9r\u00eat plus de 20\u00a0fois plus bas que celui des pr\u00eateurs sur salaire.<\/li>\n\n\n\n<li>Le d\u00e9lai de remboursement\u00a0: pour un pr\u00eat sur salaire, il varie normalement de 14 \u00e0 28\u00a0jours et ne peut d\u00e9passer 62\u00a0jours. Les banques et les caisses populaires peuvent vous pr\u00eater pour une p\u00e9riode beaucoup plus longue.<\/li>\n\n\n\n<li>Le montant du pr\u00eat\u00a0: le montant maximum que vous pouvez emprunter d&#8217;un pr\u00eateur sur salaire est de 1\u00a0500\u00a0$. Les banques et les caisses populaires peuvent vous pr\u00eater plus.<\/li>\n<\/ul>\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-1178071","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. Demandez un pr\u00eat \u00e0 une banque ou \u00e0 une caisse populaire - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Peut-\u00eatre croyez-vous que la banque ou la caisse populaire n&#039;acceptera pas de vous pr\u00eater de l&#039;argent. 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