{"id":1176944,"date":"2018-06-22T11:38:27","date_gmt":"2018-06-22T15:38:27","guid":{"rendered":""},"modified":"2018-07-30T12:48:07","modified_gmt":"2018-07-30T12:48:07","slug":"4-demandez-un-pr\u00eat-de-consolidation","status":"publish","type":"steps","link":"https:\/\/newsite.stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/4-demandez-un-pr\u00eat-de-consolidation\/","title":{"rendered":"4. Demandez un pr\u00eat de consolidation"},"content":{"rendered":"<p>Si une banque vous accorde un pr\u00eat de consolidation, vous aurez l&rsquo;argent n\u00e9cessaire pour rembourser toutes vos dettes. Vous n&rsquo;aurez plus qu&rsquo;un seul paiement \u00e0 g\u00e9rer. Pour obtenir un tel pr\u00eat, vous devez g\u00e9n\u00e9ralement avoir une bonne cote de cr\u00e9dit, un revenu r\u00e9gulier ou un garant qui cosignera votre pr\u00eat.<\/p>\n<p>La plupart des caisses populaires et des banques offrent des pr\u00eats de consolidation. G\u00e9n\u00e9ralement, elles pr\u00eatent des sommes correspondant \u00e0 10&nbsp;% ou moins des avoirs du demandeur. Les avoirs incluent les possessions pouvant \u00eatre c\u00e9d\u00e9es contre de l&rsquo;argent. Il peut notamment s&rsquo;agir d&rsquo;une r\u00e9sidence, d&rsquo;une voiture, de bijoux de valeur ou de produits de placement. Si vos avoirs valent 20&nbsp;000&nbsp;$, vous pourriez obtenir un pr\u00eat de 2&nbsp;000&nbsp;$.<\/p>\n<p>La banque examinera aussi votre cote de cr\u00e9dit avant de d\u00e9cider si elle vous pr\u00eate de l&rsquo;argent. Si votre demande de pr\u00eat est approuv\u00e9e, il est important de faire les paiements mensuels pr\u00e9vus. Sinon, votre cote de cr\u00e9dit en souffrira.<\/p>\n<p>Un conseiller financier de votre banque peut vous aider \u00e0 demander un pr\u00eat de consolidation.<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4. Demandez un pr\u00eat de consolidation - Steps to justice<\/title>\n<meta name=\"description\" content=\"Si une banque vous accorde un pr\u00eat de consolidation, vous aurez l&#039;argent n\u00e9cessaire pour rembourser toutes vos dettes. Vous n&#039;aurez plus qu&#039;un seul\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4. 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