{"id":20782,"date":"2018-11-23T14:04:56","date_gmt":"2018-11-23T13:04:56","guid":{"rendered":"https:\/\/acc.creditexpo.be\/\/?p=20782"},"modified":"2018-11-23T14:04:56","modified_gmt":"2018-11-23T13:04:56","slug":"lignes-directrices-credit-a-la-consommation","status":"publish","type":"post","link":"https:\/\/acc.creditexpo.be\/fr\/lignes-directrices-credit-a-la-consommation\/","title":{"rendered":"Lignes directrices \u00ab Cr\u00e9dit \u00e0 la consommation \u00bb"},"content":{"rendered":"<p>Partir de la situation financi\u00e8re du consommateur, pas du risque pour le pr\u00eateur<\/p>\n<p>Ces lignes directrices ont \u00e9t\u00e9 \u00e9labor\u00e9es pour accompagner les pr\u00eateurs dans l\u2019\u00e9valuation correcte de la solvabilit\u00e9 des consommateurs. Elles visent la pr\u00e9vention du surendettement.<\/p>\n<p>Elles doivent \u00e9galement mettre en place un certain nombre de m\u00e9canismes permettant d\u2019\u00e9viter au consommateur de se retrouver dans une situation de surendettement.<\/p>\n<p>Le pr\u00eateur doit tout d\u2019abord v\u00e9rifier l\u2019impact du cr\u00e9dit pour le consommateur, plut\u00f4t que de d\u00e9terminer les risques pour lui-m\u00eame.<\/p>\n<p>Ces lignes directrices pr\u00e9voient un nombre d\u2019\u00e9tapes \u00e0 suivre afin d\u2019\u00e9valuer la solvabilit\u00e9 d\u2019un consommateur. Sur cette base, le pr\u00eateur doit faire une proposition adapt\u00e9e \u00e0 la situation du consommateur.<\/p>\n<p>En cas de doute sur la solvabilit\u00e9 du consommateur, il est interdit de lui octroyer un cr\u00e9dit.<\/p>\n<p><span class=\"file-with-file-info file file--mime-application-pdf file--application-pdf\"><a href=\"https:\/\/economie.fgov.be\/sites\/default\/files\/Files\/Entreprises\/Guidelines-solvabilite-credit-a-la-consommation.pdf\" target=\"_blank\" rel=\"noopener\">En savoir plus (PDF, 5.35 Mo)<\/a><\/span>\u2026<\/p>\n<p>Source: <a href=\"https:\/\/economie.fgov.be\/fr\/nouveautes\/lignes-directrices-credit-la\" target=\"_blank\" rel=\"noopener\">SPF<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Partir de la situation financi\u00e8re du consommateur, pas du risque pour le pr\u00eateur Ces lignes directrices ont \u00e9t\u00e9 \u00e9labor\u00e9es pour accompagner les pr\u00eateurs dans l\u2019\u00e9valuation correcte de la solvabilit\u00e9 des consommateurs. Elles visent la pr\u00e9vention du surendettement. Elles doivent \u00e9galement mettre en place un certain nombre de m\u00e9canismes permettant d\u2019\u00e9viter au consommateur de se retrouver [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":19543,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[47],"tags":[],"class_list":["post--20782","post","post--type-post","post--status-publish","post--format-standard","post--has-post-thumbnail","post--hentry","post--category-consommateur"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lignes directrices \u00ab Cr\u00e9dit \u00e0 la consommation \u00bb - 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\/lignes-directrices-credit-a-la-consommation\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lignes directrices \u00ab Cr\u00e9dit \u00e0 la consommation \u00bb - Credit Expo Belgi\u00eb\" \/>\n<meta property=\"og:description\" content=\"Partir de la situation financi\u00e8re du consommateur, pas du risque pour le pr\u00eateur Ces lignes directrices ont \u00e9t\u00e9 \u00e9labor\u00e9es pour accompagner les pr\u00eateurs dans l\u2019\u00e9valuation correcte de la solvabilit\u00e9 des consommateurs. 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