{"id":1188,"date":"2024-12-03T06:46:52","date_gmt":"2024-12-03T11:46:52","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=1188"},"modified":"2024-12-03T06:46:52","modified_gmt":"2024-12-03T11:46:52","slug":"la-consolidation-de-dettes-est-ce-la-meilleure-solution","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/en-ca\/blog\/credit\/la-consolidation-de-dettes-est-ce-la-meilleure-solution\/","title":{"rendered":"La consolidation de dettes\u202f: est-ce la meilleure solution\u2009?"},"content":{"rendered":"<p><span data-contrast=\"auto\">Utiliser un <\/span><a href=\"https:\/\/educaloi.qc.ca\/capsules\/la-consolidation-de-dettes\/\"><span data-contrast=\"none\">pr\u00eat de consolidation de dette<\/span><\/a><span data-contrast=\"auto\">s est une avenue int\u00e9ressante pour reprendre le contr\u00f4le de son endettement. Il s\u2019agit de demander un pr\u00eat personnel qui couvrira l\u2019ensemble de vos dettes courantes. Puis, vous n\u2019avez plus qu\u2019\u00e0 rembourser votre pr\u00eat. Le montant des versements mensuels ainsi que le taux d\u2019int\u00e9r\u00eat seront d\u00e9cid\u00e9s en fonction de votre dossier de cr\u00e9dit et de vos revenus.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">C\u2019est une solution souvent conseill\u00e9e aux gens qui ont beaucoup de dettes et qui sont sur le point de perdre le contr\u00f4le. Toutefois, cette solution n\u2019est pas une solution magique non plus. En effet, elle comporte quelques inconv\u00e9nients, comme d\u2019entacher votre <\/span><a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/dossier-pointage-credit\/dossier-cote-credit-base.html\"><span data-contrast=\"none\">cote de cr\u00e9dit<\/span><\/a><span data-contrast=\"auto\">, en plus de ne pas s\u2019attaquer au probl\u00e8me de fond. Voici quelques questions \u00e0 vous poser avant de demander un pr\u00eat de consolidation de dette.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">1. Mon budget tient-il la route\u2009?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Avant de demander un pr\u00eat de consolidation de dette, prenez le temps de r\u00e9viser votre budget. Si vous n\u2019en avez pas, il est plus que temps de vous mettre \u00e0 cet exercice.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Calculez vos d\u00e9penses mensuelles et comparez-les \u00e0 vos revenus. Ce sera le premier indice pour bien comprendre votre situation financi\u00e8re. En effet, m\u00eame si un pr\u00eat pourrait vous aider pour le moment, si votre budget ne balance pas, votre endettement reviendra un jour ou l\u2019autre. Peut-\u00eatre qu\u2019en r\u00e9duisant certaines d\u00e9penses, ou en variant vos sources de revenus, vous pourrez rembourser une bonne partie de vos dettes plus facilement.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous choisissez d\u2019utiliser un pr\u00eat, ajustez votre budget en fonction des versements de ce pr\u00eat.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">2. Mes habitudes de consommation sont-elles raisonnables\u2009?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vos d\u00e9penses sont trop \u00e9lev\u00e9es pour vos revenus, un pr\u00eat de consolidation de dettes ne fera que retarder le moment o\u00f9 vous devrez changer vos habitudes de consommation. Sorties au resto, alcool, achats en ligne, tous ces exemples montrent des d\u00e9penses qui s\u2019accumulent tr\u00e8s rapidement sur une carte de cr\u00e9dit.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pendant quelques jours, essayez de ne faire aucune d\u00e9pense. Mangez ce qu\u2019il y a dans votre frigo, faites-vous un caf\u00e9 \u00e0 la maison, n\u2019achetez rien. Prenez une pause dans vos achats pour mieux \u00e9valuer vos habitudes. Si votre niveau de vie est trop \u00e9lev\u00e9 pour vos revenus, vous devrez faire des changements importants, pr\u00eat de consolidation ou pas.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">3. D\u2019o\u00f9 vient mon endettement\u2009?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pour certaines personnes, l\u2019endettement est clairement li\u00e9 \u00e0 un seul \u00e9v\u00e8nement\u202f: une maladie importante qui nous a fait perdre notre travail, une s\u00e9paration, un accident, etc. Si votre endettement est caus\u00e9 essentiellement par une seule chose sp\u00e9cifique et que, normalement, vous n\u2019avez aucune difficult\u00e9 \u00e0 g\u00e9rer vos finances, un pr\u00eat de consolidation pourrait vous simplifier la vie le temps de reprendre le contr\u00f4le.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par contre, la situation est bien diff\u00e9rente si votre endettement est chronique et que vous ne savez pas trop pourquoi vous \u00eates toujours dans cette situation. Est-ce que votre emploi n\u2019est simplement pas assez payant compte tenu de vos responsabilit\u00e9s\u2009? D\u00e9pensez-vous trop\u2009? Avez-vous peu de connaissance en mati\u00e8re de finance\u2009?\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Identifiez bien les causes de votre endettement, quitte \u00e0 demander l\u2019aide d\u2019un conseiller financier. De cette fa\u00e7on, vous pourrez am\u00e9liorer votre situation \u00e0 long terme.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Aussi, n\u2019oubliez pas qu\u2019il existe divers programmes et organismes pouvant vous aider. On pense parfois \u00e0 tort que nos besoins ne sont pas suffisamment criants pour recevoir de l\u2019aide. Au contraire, il vaut toujours la peine d\u2019essayer.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">4. Quel est le taux d\u2019int\u00e9r\u00eat de mes pr\u00eats\u2009?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Selon la situation, et votre dossier de cr\u00e9dit actuel, le taux d\u2019int\u00e9r\u00eat d\u2019un pr\u00eat de consolidation de dettes ne sera pas avantageux pour vous. Par exemple, si vous avez une grosse dette d\u2019\u00e9tudes, m\u00eame si le montant est \u00e9lev\u00e9, les taux d\u2019int\u00e9r\u00eat sont si bas qu\u2019un pr\u00eat de consolidation n\u2019est pas avantageux.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Dans ce cas, une autre m\u00e9thode de gestion de vos dettes, comme la m\u00e9thode avalanche ou la <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/budget\/eliminer-ses-dettes-a-laide-de-la-methode-boule-de-neige\/\"><span data-contrast=\"none\">m\u00e9thode boule de neige<\/span><\/a><span data-contrast=\"auto\"> pourrait \u00eatre suffisante.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">5. Quel est mon plan de remboursement de dette\u2009?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Peu importe votre situation, si votre endettement est important, vous aurez besoin de vous cr\u00e9er un plan de remboursement de dettes. Le pr\u00eat de consolidation peut \u00eatre envisag\u00e9, mais il n\u2019est pas toujours n\u00e9cessaire, surtout qu\u2019il pourrait, \u00e0 court terme, empirer votre score de cr\u00e9dit.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">De plus, il faut savoir qu\u2019on pourrait vous refuser ce pr\u00eat ou vous offrir un pr\u00eat avec un taux d\u2019int\u00e9r\u00eat pas tr\u00e8s avantageux. Aussi, on pourrait vous l\u2019octroyer, mais les nouvelles liquidit\u00e9s vous pousseraient \u00e0 d\u00e9penser davantage.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Ce qu\u2019il faut comprendre est qu\u2019un pr\u00eat de consolidation de dettes est un outil plut\u00f4t qu\u2019une fin en soi. Il peut certes vous aider \u00e0 g\u00e9rer vos dettes, mais vous devrez mieux planifier vos finances pour ne pas vous retrouver dans la m\u00eame situation plus tard.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Un pr\u00eat de consolidation de dettes peut \u00eatre une solution int\u00e9ressante, surtout si votre cote de cr\u00e9dit vous permet d\u2019obtenir un taux d\u2019int\u00e9r\u00eat int\u00e9ressant. Par contre, ce pr\u00eat ne r\u00e9glera pas le probl\u00e8me, surtout si votre endettement est chronique.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">M\u00eame si vous choisissez d\u2019utiliser ce type de pr\u00eat, vous devrez quand m\u00eame revoir votre budget et vous cr\u00e9er un plan de remboursement de dette. Et finalement, n\u2019oubliez pas qu\u2019en cas d\u2019urgence majeure, nous offrons des pr\u00eats en ligne rapides qui ne d\u00e9pendent pas de votre dossier de cr\u00e9dit. <\/span><a href=\"https:\/\/www.argentmaintenant.com\/faq\/\"><span data-contrast=\"none\">N\u2019h\u00e9sitez pas \u00e0 nous contacter<\/span><\/a><span data-contrast=\"auto\"> pour en savoir plus.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Utiliser un pr\u00eat de consolidation de dettes est une avenue int\u00e9ressante pour reprendre le contr\u00f4le de son endettement. Il s\u2019agit [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,7],"tags":[],"class_list":["post-1188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La consolidation de dettes\u202f: est-ce la solution\u2009?<\/title>\n<meta name=\"description\" content=\"Le pr\u00eat de consolidation de dettes est souvent conseill\u00e9 aux gens qui ont beaucoup de dettes. 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