{"id":1184,"date":"2015-03-17T10:41:05","date_gmt":"2015-03-17T09:41:05","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-renouvelable-l-offre-alternative-obligatoire-en-decembre-2015"},"modified":"2015-03-17T10:41:05","modified_gmt":"2015-03-17T10:41:05","slug":"credit-renouvelable-l-offre-alternative-obligatoire-en-decembre-2015","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-renouvelable-l-offre-alternative-obligatoire-en-decembre-2015","title":{"rendered":"Cr\u00e9dit renouvelable : l&rsquo;offre alternative obligatoire en d\u00e9cembre 2015"},"content":{"rendered":"\n<p>Un pas de plus vers une <strong><a href=\"https:\/\/credits.toutsurmesfinances.com\/vers-une-utilisation-plus-pertinente-du-credit-revolving.html\" target=\"_blank\">utilisation plus responsable du cr\u00e9dit revolving<\/a><\/strong>. La <a href=\"https:\/\/credits.toutsurmesfinances.com\/credit-a-la-consommation-surendettement-les-mesures-de-la-loi-hamon.html\" target=\"_blank\"><strong>loi Hamon<\/strong> <\/a>a mis en place l&rsquo;obligation de proposer un cr\u00e9dit amortissable (sans r\u00e9serve d&rsquo;argent) comme alternative \u00e0 un cr\u00e9dit renouvelable souscrit sur un lieu de vente ou lors d&rsquo;une vente \u00e0 distance. Cette alternative concerne l&rsquo;achat d&rsquo;un bien ou service d&rsquo;une valeur sup\u00e9rieure \u00e0 1.000 euros. Cette mesure a pour objectif d&rsquo;am\u00e9liorer l&rsquo;information du consommateur sur ce qu&rsquo;implique la signature d&rsquo;un cr\u00e9dit \u00e0 la consommation. Le d\u00e9cret d\u00e9taillant les modalit\u00e9s d&rsquo;application de la mesure a \u00e9t\u00e9 publi\u00e9 au Journal Officiel du 17 mars 2015. \u00ab <em>Ce d\u00e9cret entre en vigueur neuf mois apr\u00e8s sa publication<\/em> \u00bb, soit le 17 d\u00e9cembre 2015, est-il pr\u00e9cis\u00e9 au Journal Officiel.<\/p>\n<p>&nbsp;<\/p>\n<p>Le consommateur devra se voir proposer deux offres de cr\u00e9dit distinctes et comparables. Le co\u00fbt total, exprim\u00e9 en pourcentage annuel du montant total du cr\u00e9dit (TAEG), ainsi que le montant et le nombre des mensualit\u00e9s doivent figurer sur les deux offres.<\/p>\n<p>&nbsp;<\/p>\n<p>Seul le cr\u00e9dit amortissable est d\u00e9pendant du contrat de vente : cela signifie qu&rsquo;il ne pourra porter que \u00ab <em>sur le montant que vous souhaitez financer \u00e0 cr\u00e9dit<\/em> \u00bb, pr\u00e9cise le d\u00e9cret. Le cr\u00e9dit renouvelable, qui propose au client une r\u00e9serve d&rsquo;argent dans laquelle il peut puiser, sera lui ind\u00e9pendant et pourra donc \u00ab <em>porter sur un montant sup\u00e9rieur \u00e0 celui de votre achat<\/em> \u00bb. Dans le m\u00eame ordre d&rsquo;id\u00e9e, la r\u00e9tractation du contrat de cr\u00e9dit amortissable \u00ab <em>entra\u00eenera automatiquement l&rsquo;annulation du contrat de vente<\/em> \u00bb alors qu&rsquo;avec le cr\u00e9dit renouvelable, vous restez tenu d&rsquo;acheter le bien ou le service.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"background-color: #e5e5e5;\">A lire aussi :<br \/><strong><a href=\"https:\/\/credits.toutsurmesfinances.com\/credit-renouvelable-a-qui-s-adresse-t-il.html\" target=\"_blank\">Cr\u00e9dit renouvelable : \u00e0 qui s&rsquo;adresse-t-il ?<\/a><\/strong><br \/><strong><a href=\"https:\/\/credits.toutsurmesfinances.com\/pourquoi-le-credit-renouvelable-a-autant-recule-en-4-ans.html\" target=\"_blank\">Pourquoi le cr\u00e9dit renouvelable a autant recul\u00e9 en 4 ans<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un pas de plus vers une utilisation plus responsable du cr\u00e9dit revolving. La loi Hamon a mis en place l&rsquo;obligation de proposer un cr\u00e9dit amortissable (sans r\u00e9serve d&rsquo;argent) comme alternative \u00e0 un cr\u00e9dit renouvelable souscrit sur un lieu de vente ou lors d&rsquo;une vente \u00e0 distance. Cette alternative concerne l&rsquo;achat d&rsquo;un bien ou service d&rsquo;une&#8230;<\/p>\n","protected":false},"author":13709,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1184","post","type-post","status-publish","format-standard","hentry","category-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9dit renouvelable : l&#039;offre alternative obligatoire en d\u00e9cembre 2015<\/title>\n<meta name=\"description\" content=\"Le d\u00e9cret d\u00e9taillant les modalit\u00e9s d&#039;application de l&#039;obligation de proposer un cr\u00e9dit amortissable au cr\u00e9dit renouvelable vient de para\u00eetre au Journal Officiel.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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