{"id":18253,"date":"2018-03-16T10:15:39","date_gmt":"2018-03-16T09:15:39","guid":{"rendered":"https:\/\/acc.creditexpo.be\/\/?p=18253"},"modified":"2018-03-20T10:16:43","modified_gmt":"2018-03-20T09:16:43","slug":"2-belges-sur-3-ont-deja-contracte-un-emprunt","status":"publish","type":"post","link":"https:\/\/acc.creditexpo.be\/fr\/2-belges-sur-3-ont-deja-contracte-un-emprunt\/","title":{"rendered":"2 Belges sur 3 ont d\u00e9j\u00e0 contract\u00e9 un emprunt"},"content":{"rendered":"<p>En ce dernier jour de la Semaine de l\u2019Argent, nous avons choisi de revenir sur quelques chiffres s\u2019inscrivant dans le cadre du th\u00e8me central sur lequel la FSMA a travaill\u00e9 cette cette ann\u00e9e : \u00ab \u2018Votre cr\u00e9dit \u2026 m\u00e9rite r\u00e9flexion \u00bb. Au moment de lancer cette initiative, le d\u00e9partement Formation de la FSMA, Wikifin, a publi\u00e9 les r\u00e9sultats de son enqu\u00eate sur le comportement en mati\u00e8re d\u2019emprunt de 1000 Belges. De cette enqu\u00eate, il ressort que deux Belges sur trois ont d\u00e9j\u00e0 contract\u00e9 un emprunt.<\/p>\n<p><strong>Les cr\u00e9dits soutiennent l\u2019\u00e9conomie<\/strong><\/p>\n<p>66 pour cent des Belges ont donc d\u00e9j\u00e0 contract\u00e9 un cr\u00e9dit. Les m\u00e9nages ayant un revenu plus \u00e9lev\u00e9 (3.001 EUR ou plus) empruntent d\u2019une mani\u00e8re g\u00e9n\u00e9rale plus souvent : 80 % d\u2019entre eux ont un cr\u00e9dit en cours ou en ont par le pass\u00e9 d\u00e9j\u00e0 contract\u00e9 un.<\/p>\n<p>Le plus souvent, et cela n\u2019a rien d\u2019\u00e9tonnant, nous contractons un cr\u00e9dit pour acheter ou construire un logement. Des statistiques de l\u2019Union professionnelle du Cr\u00e9dit (UPC), il ressort qu\u2019en 2017, il a \u00e9t\u00e9 pass\u00e9 pr\u00e8s de 243.000 contrats de cr\u00e9dit hypoth\u00e9caire pour un montant total de 31 milliards EUR (hors refinancements).<\/p>\n<p>Comme les ann\u00e9es pr\u00e9c\u00e9dentes, on constate ainsi que les faibles taux d\u2019int\u00e9r\u00eat soutiennent nettement la demande et l\u2019octroi de cr\u00e9dit.<\/p>\n<p>En ce qui concerne le cr\u00e9dit \u00e0 la consommation, le nombre de contrats a diminu\u00e9. Cependant, en 2017, plus de 770.000 cr\u00e9dits ont \u00e9t\u00e9 octroy\u00e9s aux consommateurs afin de les aider \u00e0 r\u00e9aliser leurs projets et de soutenir l\u2019\u00e9conomie.<\/p>\n<p>Le consommateur peut obtenir un cr\u00e9dit \u00e0 la consommation pour de tr\u00e8s nombreux types d\u2019achats, mais tant l\u2019enqu\u00eate de la FSMA que les chiffres de l\u2019UPC indiquent qu\u2019en Belgique, c\u2019est au pr\u00eat voiture que revient la palme. Le nombre d\u2019emprunts pour acheter un v\u00e9hicule continue ainsi d\u2019augmenter chaque ann\u00e9e. L\u2019an dernier, les pr\u00eats ont permis de financer 192.000 nouveaux v\u00e9hicules, ainsi que le montre le tableau de l\u2019UPC ci-dessous.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/www.febelfin.be\/sites\/default\/files\/consumentenkrediet_fr.png\" width=\"775\" height=\"608\" \/><\/p>\n<p><strong>Les probl\u00e8mes de remboursement demeurent limit\u00e9s<\/strong><\/p>\n<p>L\u2019enqu\u00eate de la FSMA a r\u00e9v\u00e9l\u00e9 que les Belges remboursaient en moyenne 863,85 EUR par mois et que la majorit\u00e9 d\u2019entre eux n\u2019avaient pas vraiment de difficult\u00e9 pour g\u00e9rer les sommes \u00e0 rembourser.<\/p>\n<p>Febelfin renvoie \u00e0 ce propos au rapport statistique de la Centrale des Cr\u00e9dits aux Particuliers (CCP) qui indique une \u00e9volution positive tant pour le cr\u00e9dit hypoth\u00e9caire que pour le cr\u00e9dit \u00e0 la consommation, avec une diminution des arri\u00e9r\u00e9s de paiement.<\/p>\n<p>La grande majorit\u00e9 des emprunts hypoth\u00e9caires sont pay\u00e9s dans les temps. Un retard de paiement n\u2019est observ\u00e9 que dans 1 pour cent de l\u2019ensemble des cr\u00e9dits-logement octroy\u00e9s. \u201cCe pourcentage a l\u00e9g\u00e8rement augment\u00e9 apr\u00e8s la crise financi\u00e8re, pour passer \u00e0 1,3 pour cent, mais diminue \u00e0 nouveau\u201d, a d\u00e9clar\u00e9 cette semaine Peter Neefs, responsable de la CCP.<\/p>\n<p>M\u00eame constat pour le cr\u00e9dit \u00e0 la consommation : le nombre de retards de paiement au niveau de ces cr\u00e9dits diminue. Alors que les d\u00e9fauts de paiement dans le cadre des cr\u00e9dits hypoth\u00e9caires ont toujours \u00e9t\u00e9 faibles et ont m\u00eame continu\u00e9 \u00e0 baisser ces derni\u00e8res ann\u00e9es, le cr\u00e9dit \u00e0 la consommation est pour sa part li\u00e9 \u00e0 la situation \u00e9conomique g\u00e9n\u00e9rale. Une p\u00e9riode \u00e9conomique favorable entra\u00eene ainsi une augmentation de l\u2019octroi de cr\u00e9dit et une r\u00e9duction des d\u00e9fauts de paiement.<\/p>\n<p>Le fait que le nombre de d\u00e9fauts de paiement reste moindre t\u00e9moigne de ce que les pr\u00eateurs fournissent un maximum d\u2019efforts pour limiter autant que possible les probl\u00e8mes de remboursement. Ils s\u2019engagent pleinement dans un octroi de cr\u00e9dit justifi\u00e9 et une politique de cr\u00e9dit saine, tant dans l\u2019int\u00e9r\u00eat des clients que dans leur propre int\u00e9r\u00eat.<\/p>\n<p>Comment les pr\u00eateurs s\u2019y prennent-ils ? Avant d\u2019octroyer un cr\u00e9dit, ils proc\u00e8dent \u00e0 une analyse d\u00e9taill\u00e9e de la capacit\u00e9 de remboursement de l\u2019\/des emprunteur(s). Le cr\u00e9dit ne sera accord\u00e9 que si l\u2019analyse se r\u00e9v\u00e8le positive.<\/p>\n<p>Par ailleurs, les pr\u00eateurs encouragent les emprunteurs qui rencontrent des difficult\u00e9s de remboursement \u00e0 prendre contact au plus vite avec eux afin de trouver ensemble une solution.<\/p>\n<p>L\u2019\u00e9tude compl\u00e8te de la FSMA et de Wikifin est disponible sur <a href=\"https:\/\/www.wikifin.be\/fr\/votre-credit-merite-reflexion\" target=\"_blank\" rel=\"noopener\">wikifin.be<\/a>.<br \/>\nLe rapport statistique de la CCE peut \u00eatre consult\u00e9 <a href=\"https:\/\/www.nbb.be\/doc\/cr\/ccp\/publications\/bro_ckpstat2017f_18012018.pdf\" target=\"_blank\" rel=\"noopener\">ici<\/a>.<\/p>\n<p>Source: <a href=\"https:\/\/www.febelfin.be\/fr\/2-belges-sur-3-ont-deja-contracte-un-emprunt\" target=\"_blank\" rel=\"noopener\">Febelfin<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En ce dernier jour de la Semaine de l\u2019Argent, nous avons choisi de revenir sur quelques chiffres s\u2019inscrivant dans le cadre du th\u00e8me central sur lequel la FSMA a travaill\u00e9 cette cette ann\u00e9e : \u00ab \u2018Votre cr\u00e9dit \u2026 m\u00e9rite r\u00e9flexion \u00bb. Au moment de lancer cette initiative, le d\u00e9partement Formation de la FSMA, Wikifin, a [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":12085,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[43],"tags":[],"class_list":["post--18253","post","post--type-post","post--status-publish","post--format-standard","post--has-post-thumbnail","post--hentry","post--category-general"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2 Belges sur 3 ont d\u00e9j\u00e0 contract\u00e9 un emprunt - Credit Expo Belgi\u00eb<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/acc.creditexpo.be\/\/fr\/2-belges-sur-3-ont-deja-contracte-un-emprunt\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2 Belges sur 3 ont d\u00e9j\u00e0 contract\u00e9 un emprunt - Credit Expo Belgi\u00eb\" \/>\n<meta property=\"og:description\" content=\"En ce dernier jour de la Semaine de l\u2019Argent, nous avons choisi de revenir sur quelques chiffres s\u2019inscrivant dans le cadre du th\u00e8me central sur lequel la FSMA a travaill\u00e9 cette cette ann\u00e9e : \u00ab \u2018Votre cr\u00e9dit \u2026 m\u00e9rite r\u00e9flexion \u00bb. 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