{"id":567,"date":"2020-02-13T14:17:56","date_gmt":"2020-02-13T13:17:56","guid":{"rendered":"https:\/\/blog.kohidas.com\/?p=567"},"modified":"2020-02-14T09:57:37","modified_gmt":"2020-02-14T08:57:37","slug":"comment-obtenir-un-credit-lorsquon-est-freelance","status":"publish","type":"post","link":"https:\/\/cojober.com\/blog\/freelance\/news\/comment-obtenir-un-credit-lorsquon-est-freelance\/","title":{"rendered":"Comment obtenir un cr\u00e9dit lorsqu\u2019on est freelance ?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">On le sait tous : les banques ne sont pas connues pour appr\u00e9cier les ind\u00e9pendants. En cause, leur r\u00e9mun\u00e9ration souvent fluctuante qui n\u2019est pas pour rassurer ces pr\u00eateurs d\u2019argent. Il peut \u00eatre tr\u00e8s rageant de se voir refuser un pr\u00eat immobilier lorsqu\u2019on a un projet professionnel qui tient la route et des revenus qui tombent r\u00e9guli\u00e8rement. La bonne nouvelle, c\u2019est que ce n\u2019est pas une fatalit\u00e9. Que vous ayiez besoin d\u2019un cr\u00e9dit pour votre travail, pour acheter un appartement, une voiture ou tout autre bien mat\u00e9riel, diff\u00e9rentes possibilit\u00e9s s\u2019offrent \u00e0 vous.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Se construire un dossier solide<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tout d\u2019abord, il est conseill\u00e9 de cr\u00e9er un dossier en b\u00e9ton pour rassurer les banques sur votre s\u00e9rieux et votre fiabilit\u00e9.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Voici les documents qu\u2019il est n\u00e9cessaire de se procurer :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vos deux derniers bilans comptables, r\u00e9alis\u00e9s par un <a href=\"https:\/\/cojober.com\/blog\/freelance\/legal\/freelance-recourir-aux-services-dun-comptable\/\" target=\"_blank\" rel=\"noopener noreferrer\">expert-comptable<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Votre dernier avis d\u2019imposition<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Votre derni\u00e8re d\u00e9claration de revenus<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Un bilan pr\u00e9visionnel (utile pour confirmer votre solvabilit\u00e9), ou bien la liste de vos devis\/commandes en cours<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Votre r\u00e9mun\u00e9ration si vous \u00eates g\u00e9rant d\u2019une EURL<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A savoir : il est mieux d\u2019avoir trois ans d\u2019anciennet\u00e9 minimum dans votre activit\u00e9 avant de solliciter un cr\u00e9dit.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">&#8230; et se montrer rassurant<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Si les banques se montrent souvent frileuses \u00e0 l\u2019id\u00e9e d\u2019accorder un cr\u00e9dit \u00e0 un ind\u00e9pendant, ce n\u2019est pas pour autant que vous devez vous faire une raison. Que vous demandiez un cr\u00e9dit pour des raisons professionnelles ou personnelles, montrez \u00e0 votre interlocuteur que vous \u00eates un ind\u00e9pendant passionn\u00e9 et engag\u00e9 dans son activit\u00e9. D\u00e9taillez la liste de vos r\u00e9ussites professionnelles afin de rassurer sur votre taux d\u2019engagement. Votre banquier doit comprendre que vous \u00eates tout aussi fiable qu\u2019un fonctionnaire ou qu\u2019un employ\u00e9 en CDI, sinon plus. Vous pouvez \u00e9galement faire appel aux services d\u2019un courtier qui vous aidera \u00e0 mettre en \u00e9vidence les points forts de votre dossier.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Les alternatives au cr\u00e9dit bancaire<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Si vous ne r\u00e9unissez pas les conditions n\u00e9cessaires \u00e0 l\u2019obtention d\u2019un cr\u00e9dit bancaire, ce n\u2019est pas une fatalit\u00e9. D\u2019autres options s\u2019offrent \u00e0 vous pour r\u00e9unir des fonds que vous rembourserez sur plusieurs ann\u00e9es.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Le pr\u00eat familial<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Le pr\u00eat familial est tr\u00e8s int\u00e9ressant car vous n\u2019avez pas d\u2019int\u00e9r\u00eats \u00e0 payer. De plus, il est beaucoup plus simple de convaincre un de vos proches de votre solvabilit\u00e9 et de votre honn\u00eatet\u00e9 qu\u2019un inconnu. Un pr\u00eat familial se conclut de deux mani\u00e8res diff\u00e9rentes : chez un notaire ou sous seing priv\u00e9 (donc avec reconnaissance de dettes).\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Le pr\u00eat entre particuliers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Le pr\u00eat entre particuliers est une alternative tr\u00e8s int\u00e9ressante qui s\u2019est beaucoup d\u00e9velopp\u00e9e ces derni\u00e8res ann\u00e9es. De nombreuses plates-formes d\u2019\u00e9conomie participative proposent des cr\u00e9dits pouvant aller jusqu\u2019\u00e0 30 000 euros. C\u2019est int\u00e9ressant pour le demandeur, qui b\u00e9n\u00e9ficie d\u2019un taux d\u2019int\u00e9r\u00eat plus bas que celui d\u2019une banque. \u00c7a l&rsquo;est aussi pour le pr\u00eateur, dont le gain est sup\u00e9rieur \u00e0 celui d\u2019un livret A. Attention toutefois : vous ne devez pas \u00eatre en situation d\u2019endettement pour que votre dossier soit accept\u00e9.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Le micro-cr\u00e9dit<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Vous avez besoin d\u2019une petite somme par exemple pour financer votre formation ou acheter un v\u00e9hicule ? Vous pouvez solliciter un micro-cr\u00e9dit n\u2019exc\u00e9dant pas un montant de 3000 euros aupr\u00e8s de l\u2019ADIE (Association pour le droit \u00e0 l\u2019initiative \u00e9conomique). Cela vous garantit de ne pas payer d\u2019int\u00e9r\u00eats et vous permet par exemple de cumuler un pr\u00eat bancaire important et un micro-cr\u00e9dit secondaire.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"On le sait tous : les banques ne sont pas connues pour appr\u00e9cier les ind\u00e9pendants. En cause, leur r\u00e9mun\u00e9ration souvent fluctuante qui n\u2019est pas pour rassurer ces pr\u00eateurs d\u2019argent. Il peut \u00eatre tr\u00e8s rageant de se voir refuser un pr\u00eat immobilier lorsqu\u2019on a un projet professionnel qui tient la route et des revenus qui tombent [&hellip;]","protected":false},"author":14,"featured_media":582,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_mi_skip_tracking":false},"categories":[1],"tags":[140,173,3,139,71,174],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"\u00catre freelance rime souvent avec revenus instables, comment convaincre les banques de notre solvabilit\u00e9? 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