{"id":9018,"date":"2022-03-04T16:33:49","date_gmt":"2022-03-04T15:33:49","guid":{"rendered":"https:\/\/imperio.ch\/?page_id=9018"},"modified":"2022-03-07T16:31:41","modified_gmt":"2022-03-07T15:31:41","slug":"credit-personnel-ou-leasing","status":"publish","type":"page","link":"https:\/\/imperio.ch\/pt\/credit-personnel-ou-leasing\/","title":{"rendered":"Blog – Cr\u00e9dit personnel ou leasing?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.6.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider show_divider=”off” _builder_version=”4.7.1″ _module_preset=”default” height=”50px” height_tablet=”” height_phone=”30px” height_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.6.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/imperio.ch\/wp-content\/uploads\/2020\/09\/credito-leasing-tete-1.png” title_text=”credito leasing tete” _builder_version=”4.14.8″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”credito pessoal” _builder_version=”4.14.8″ text_font_size=”16px” header_text_color=”#5E5E5E” header_2_text_color=”#5e5e5e” custom_margin=”29px||-30px|||” custom_padding=”0px||0px|||” border_style_all=”solid” border_style=”solid” locked=”off” global_colors_info=”{}”]<\/p>\n

CR\u00c9DIT PERSONNEL OU LEASING ?<\/strong><\/h1>\n

Saviez-vous que contracter un cr\u00e9dit personnel \u00e0 la place d’un leasing vous permet de r\u00e9duire le montant de vos imp\u00f4ts ?<\/strong><\/p>\n

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 <\/p>\n

<\/strong><\/p>\n

Si vous avez un contrat de cr\u00e9dit personnel en cours, cela signifie que vous vous \u00eates engag\u00e9 \u00e0 payer un montant minimum fixe chaque mois. Ce montant est compos\u00e9 de 2 \u00e9l\u00e9ments : le remboursement du montant pr\u00eat et les int\u00e9r\u00eats. Ces int\u00e9r\u00eats sont d\u00e9ductibles de vos imp\u00f4ts contrairement aux int\u00e9r\u00eats du leasing.<\/p>\n

Un cas concret : acheter une voiture avec un cr\u00e9dit personnel ou en leasing ?<\/p>\n

Vous allez acheter une voiture et vous h\u00e9sitez entre un cr\u00e9dit personnel et le leasing ? Il est vrai que le leasing offre th\u00e9oriquement un meilleur taux d’int\u00e9r\u00eat mais il faut toujours ajouter la TVA (taxe sur la valeur ajout\u00e9e) et, contrairement au cr\u00e9dit, les int\u00e9r\u00eats ne peuvent pas \u00eatre d\u00e9duits des imp\u00f4ts.<\/p>\n

Dans le cas des cr\u00e9dits personnels, il existe plusieurs avantages :<\/p>\n

1 – Vous n’avez pas besoin de verser un acompte initial alors qu’avec un leasing, \u00e7a peut aller jusqu’\u00e0 25% de la valeur du v\u00e9hicule ;<\/p>\n

2 – Vous \u00eates le propri\u00e9taire de la voiture depuis le moment de l’achat et vous pouvez la vendre quand vous voulez, alors que dans le cas du leasing, le propri\u00e9taire est la soci\u00e9t\u00e9 de leasing, ce qui interdit le changement de propri\u00e9taire ;<\/p>\n

3 – Le kilom\u00e9trage annuel est illimit\u00e9. Tandis qu\u2019avec un leasing, il existe une limite pr\u00e9d\u00e9termin\u00e9e et tout kilom\u00e8tre suppl\u00e9mentaire est factur\u00e9 ;<\/p>\n

4 – Vous pouvez choisir votre propre type d’assurance automobile, contrairement au leasing qui vous oblige \u00e0 avoir une casco-compl\u00e8te ;<\/p>\n

5 – Vous pouvez d\u00e9duire des imp\u00f4ts, ce qui n’est pas possible avec le leasing ;<\/p>\n

6 – Vous pouvez faire r\u00e9viser votre voiture quand et o\u00f9 vous voulez, alors que le leasing vous oblige \u00e0 vous rendre dans des garages officiels avec une p\u00e9riodicit\u00e9 constante et o\u00f9 les prix sont g\u00e9n\u00e9ralement plus \u00e9lev\u00e9s ;<\/p>\n

7 – Avec un contrat de leasing, vous devrez payer une amende en cas de r\u00e9siliation anticip\u00e9e du contrat;<\/p>\n

8 – \u00c0 la fin du contrat de leasing, si vous avez l’intention de conserver le v\u00e9hicule, vous devrez payer une valeur r\u00e9siduelle. Si vous ne voulez pas acheter la voiture, vous devrez la rendre comme neuve, ce qui peut signifier des d\u00e9penses de plusieurs milliers de francs en r\u00e9parations.<\/p>\n

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CR\u00c9DIT PERSONNEL OU LEASING ? Saviez-vous que contracter un cr\u00e9dit personnel \u00e0 la place d’un leasing vous permet de r\u00e9duire le montant de vos imp\u00f4ts ?  Si vous avez un contrat de cr\u00e9dit personnel en cours, cela signifie que vous vous \u00eates engag\u00e9 \u00e0 payer un montant minimum fixe chaque mois. Ce montant est compos\u00e9 […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-9018","page","type-page","status-publish","hentry"],"yoast_head":"\nBlog - Cr\u00e9dit personnel ou leasing? - Imp\u00e9rio Assurances<\/title>\n<meta name=\"description\" content=\"Saviez-vous que contracter un cr\u00e9dit personnel \u00e0 la place d'un leasing vous permet de r\u00e9duire le montant de vos imp\u00f4ts ?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/imperio.ch\/pt\/credit-personnel-ou-leasing\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Blog - Cr\u00e9dit personnel ou leasing? 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