{"id":604,"date":"2023-08-22T06:44:48","date_gmt":"2023-08-22T10:44:48","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=604"},"modified":"2023-08-22T06:44:48","modified_gmt":"2023-08-22T10:44:48","slug":"prets-personnels-avantages-et-inconvenients","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/en-ca\/blog\/credit\/prets-personnels-avantages-et-inconvenients\/","title":{"rendered":"Pr\u00eats personnels\u202f: avantages et inconv\u00e9nients"},"content":{"rendered":"<p><span data-contrast=\"none\">Les pr\u00eats personnels, qu\u2019ils soient d\u2019une banque ou d\u2019un pr\u00eateur en ligne, peuvent \u00eatre une solution plus int\u00e9ressante qu\u2019une carte de cr\u00e9dit ou un autre type de pr\u00eat. Si vous avez un projet personnel particulier pour lequel vous avez besoin de fonds, ou que vous avez besoin d\u2019une aide suppl\u00e9mentaire durant une p\u00e9riode, ce type de pr\u00eat peut \u00eatre tr\u00e8s int\u00e9ressant.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Bien s\u00fbr, tous les <\/span><a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/droits-responsabilites\/droits-credit-prets\/droits-pret-personnel.html\"><span data-contrast=\"none\">pr\u00eats personnels<\/span><\/a><span data-contrast=\"none\"> ne sont pas \u00e9gaux. Certains sont plus avantageux que d\u2019autres, mais, comme avec tout pr\u00eat personnel, il y a des avantages et des inconv\u00e9nients \u00e0 chacun. Certains avantages et inconv\u00e9nients varient selon le type de pr\u00eat, qu\u2019il s\u2019agisse d\u2019un pr\u00eat \u00e0 taux fixe, \u00e0 taux variable ou un pr\u00eat garanti.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Avantages des pr\u00eats personnels\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">Le processus est rapide<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">M\u00eame avec une institution financi\u00e8re, obtenir un pr\u00eat personnel peut-\u00eatre assez rapide. Avec les entreprises de pr\u00eats priv\u00e9s, <\/span><a href=\"https:\/\/www.argentmaintenant.com\/faq\/\"><span data-contrast=\"none\">\u00e7a l\u2019est encore plus<\/span><\/a><span data-contrast=\"none\">. Les pr\u00eats personnels sont g\u00e9n\u00e9ralement plus rapides \u00e0 obtenir que les pr\u00eats commerciaux et les cartes de cr\u00e9dit personnelles.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">Vous pouvez avoir un pr\u00eat pour un petit montant\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">\u00c0 la diff\u00e9rence de la carte de cr\u00e9dit, le pr\u00eat personnel est un paiement unique pour un montant d\u2019argent d\u00e9fini. Le montant du pr\u00eat minimum d\u2019une banque est souvent de plusieurs milliers de dollars. Par contre, <\/span><a href=\"https:\/\/www.argentmaintenant.com\/fonctionnement\/\"><span data-contrast=\"none\">les pr\u00eats rapides en ligne<\/span><\/a><span data-contrast=\"none\"> vous permettent d\u2019emprunter de plus petits montants. Par exemple, si vous tombez sur un v\u00e9lo usag\u00e9 \u00e0 vendre et que vous n\u2019avez besoin que de quelques centaines de dollars rapidement, vous pourrez y avoir acc\u00e8s sans devoir vous endetter plus que n\u00e9cessaire.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">Vous pouvez simplifier le remboursement de vos dettes<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Si vos dettes \u00e9chappent \u00e0 votre contr\u00f4le, vous pourriez utiliser un pr\u00eat de consolidation de dette. Il s\u2019agit d\u2019un type de pr\u00eat personnel fait sp\u00e9cifiquement pour faciliter le processus de remboursement des dettes. En bref, il s\u2019agit de prendre un pr\u00eat avec votre institution financi\u00e8re. Ce montant servira \u00e0 rembourser les dettes que vous avez d\u00e9j\u00e0. Puis, vous n\u2019aurez qu\u2019\u00e0 g\u00e9rer le remboursement d\u2019un seul pr\u00eat.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">Vous pouvez am\u00e9liorer votre cote de cr\u00e9dit<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Si vous souhaitez am\u00e9liorer votre cote de cr\u00e9dit, un pr\u00eat personnel que vous remboursez \u00e0 temps pourra vous aider. Attention toutefois, car si vous avez du mal \u00e0 le rembourser, l\u2019effet sera contraire.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">Ces pr\u00eats sont tr\u00e8s flexibles<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Contrairement \u00e0 un pr\u00eat hypoth\u00e9caire ou un pr\u00eat auto, un pr\u00eat personnel peut servir \u00e0 pratiquement n\u2019importe quoi, du financement pour une formation priv\u00e9e au mariage en passant par les vacances et les r\u00e9novations.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Inconv\u00e9nients des pr\u00eats personnels<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">Les taux d\u2019int\u00e9r\u00eat peuvent \u00eatre \u00e9lev\u00e9s<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Le taux d\u2019int\u00e9r\u00eat des pr\u00eats personnels est extr\u00eamement variable. Si votre <\/span><a href=\"https:\/\/www.consumer.equifax.ca\/fr\/personnel\/education\/cote-de-credit\/qu-est-ce-qui-est-une-bonne-cote-de-credit\/\"><span data-contrast=\"none\">cote de cr\u00e9dit<\/span><\/a><span data-contrast=\"none\"> est basse, votre taux d\u2019int\u00e9r\u00eat sera probablement assez \u00e9lev\u00e9. Sachez \u00e9galement que les pr\u00eats \u00e0 taux fixes ont \u00e9galement un taux g\u00e9n\u00e9ralement plus \u00e9lev\u00e9, m\u00eame s\u2019ils ont l\u2019avantage d\u2019avoir des remboursements \u00e9gaux, donc plus facile \u00e0 inclure dans un budget.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Pour avoir un meilleur taux d\u2019int\u00e9r\u00eat pour votre pr\u00eat personnel, vous pourriez choisir un pr\u00eat garanti, ce qui peut \u00eatre trop risqu\u00e9 pour certains. Vous pourriez \u00e9galement choisir un pr\u00eat \u00e0 taux d\u2019int\u00e9r\u00eat variable. Avec un taux variable, vous aurez un taux de d\u00e9part g\u00e9n\u00e9ralement plus bas, mais il pourrait augmenter par la suite.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">Les pr\u00eats personnels peuvent devenir une mauvaise habitude<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Selon le pr\u00eateur avec qui vous faites affaire, l\u2019obtention d\u2019un pr\u00eat sera plus ou moins facile. Il faut donc faire attention \u00e0 ne pas r\u00e9gler le moindre d\u00e9sagr\u00e9ment financier par un pr\u00eat personnel.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">Il peut y avoir des frais de paiements anticip\u00e9s<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Quand vous avez un pr\u00eat \u00e0 taux fixe, vous payez le m\u00eame montant mensuel jusqu\u2019\u00e0 ce que le pr\u00eat soit enti\u00e8rement rembours\u00e9. Si vous payez plus que le montant exig\u00e9, il est possible qu\u2019on vous impose une p\u00e9nalit\u00e9 parce que vous avez pay\u00e9 par anticipation. Vous trouverez ces renseignements dans les petits caract\u00e8res inscrits dans le bas de votre convention de pr\u00eat. Vous devez savoir que beaucoup de pr\u00eateurs n\u2019imposent pas ce genre de p\u00e9nalit\u00e9. Toutefois, si le pr\u00eateur l\u2019exige, votre pr\u00eat vous co\u00fbtera plus cher.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Un pr\u00eat personnel n\u2019est finalement qu\u2019un outil pour obtenir du cr\u00e9dit. Comme chaque institution financi\u00e8re et pr\u00eateur priv\u00e9 a ses propres politiques, le type de pr\u00eat que vous pourriez obtenir sera plus ou moins avantageux. La pertinence de prendre un pr\u00eat personnel d\u00e9pend de votre cote de cr\u00e9dit, de votre situation financi\u00e8re g\u00e9n\u00e9rale et de l\u2019objectif pour lequel vous demandez ce pr\u00eat. Peu importe votre situation, il ne faut pas prendre l\u2019emprunt \u00e0 la l\u00e9g\u00e8re\u2009!<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les pr\u00eats personnels, qu\u2019ils soient d\u2019une banque ou d\u2019un pr\u00eateur en ligne, peuvent \u00eatre une solution plus int\u00e9ressante qu\u2019une carte [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":605,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-604","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00eats personnels\u202f: avantages et inconv\u00e9nients<\/title>\n<meta name=\"description\" content=\"Tous les pr\u00eats personnels ne sont pas \u00e9gaux. 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