{"id":35,"date":"2022-02-25T12:18:59","date_gmt":"2022-02-25T11:18:59","guid":{"rendered":"https:\/\/ccrbenin.bj\/?page_id=35"},"modified":"2022-03-03T22:05:57","modified_gmt":"2022-03-03T21:05:57","slug":"credit","status":"publish","type":"page","link":"https:\/\/ccrbenin.bj\/index.php\/credit\/","title":{"rendered":"Cr\u00e9dit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"35\" class=\"elementor elementor-35\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8efa659 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8efa659\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-c571c7d\" data-id=\"c571c7d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-852bf13 elementor-widget elementor-widget-image\" data-id=\"852bf13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"100\" height=\"56\" src=\"https:\/\/ccrbenin.bj\/wp-content\/uploads\/2022\/03\/dossier-credit-e1646256270900.jpg\" class=\"attachment-large size-large wp-image-194\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d42bc53\" data-id=\"d42bc53\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8822d1f elementor-widget elementor-widget-heading\" data-id=\"8822d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El\u00e9ments constitutifs d'un dossier de cr\u00e9dit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-9f020f1\" data-id=\"9f020f1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d67d4ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d67d4ef\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a6195aa\" data-id=\"a6195aa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-265972a\" data-id=\"265972a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e66f540 elementor-widget elementor-widget-text-editor\" data-id=\"e66f540\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Anciennet\u00e9 d\u2019au moins 1 mois dans l\u2019institution<\/li><li>La fiche de demande de cr\u00e9dit d\u00fbment remplie et sign\u00e9e ;<\/li><li>Les fiches de collecte des informations, la fiche d\u2019enqu\u00eate, de visite terrain, d\u2019analyse et commentaire, ainsi que les diff\u00e9rentes recommandations sont constitu\u00e9es sur le client<\/li><li>Les photos sur pieds du demandeur et de sa (ses) caution (s);<\/li><li>La preuve de paiement des frais d\u2019\u00e9tude de dossier fix\u00e9s \u00e0 1% du montant accord\u00e9.<\/li><li>Une photocopie de la carte nationale d\u2019identit\u00e9, de la carte LEPI, du RAVIP ou l\u2019original du certificat de possession d\u2019\u00e9tat de l\u2019ann\u00e9e en cours pour le demandeur et la ou les cautions + 02 photos d\u2019identit\u00e9 + une attestation de r\u00e9sistance<\/li><li>Constitution d\u2019une garantie financi\u00e8re correspondante \u00e0 15% du cr\u00e9dit accord\u00e9,<\/li><li>Souscription \u00e0 une assurance d\u00e9c\u00e8s d\u2019une compagnie d\u2019assurance agr\u00e9\u00e9e<\/li><li>Compl\u00e9ment de part sociale exig\u00e9 \u00e0 l\u2019instruction du dossier<\/li><li>Tout document comportant des informations permettant de prouver la bonne moralit\u00e9 du demandeur (Exemples : re\u00e7us de paiement de loyer, les factures pay\u00e9es d\u2019\u00e9lectricit\u00e9 et d\u2019eau, les quittances de paiement d\u2019imp\u00f4ts, etc\u2026) surtout pour des montants de 500.000 et plus ;<\/li><li>Les preuves d\u2019exercice et d\u2019exp\u00e9riences dans l\u2019activit\u00e9 financ\u00e9e (Copie de l\u2019extrait du registre de commerce, carte professionnelle en cours de validit\u00e9, les factures d\u2019achat et de vente des articles et marchandises, les copies des cahiers de vente, etc\u2026) pour ce qui concerne <strong><u>les activit\u00e9s commerciales<\/u><\/strong>.<\/li><li>Les factures proforma et devis pour les cas d\u2019achat d\u2019\u00e9quipement et d\u2019investissement ;<\/li><li>Les documents de garanties pour tout montant de cr\u00e9dit sup\u00e9rieur \u00e0 300.000F CFA\u00a0: titres de propri\u00e9t\u00e9 originaux des biens mis en garantie ; les pi\u00e8ces originales des titres de propri\u00e9t\u00e9 (convention de vente, attestation de d\u00e9tention coutumi\u00e8re, attestation de recasement, factures d\u2019achat des \u00e9quipements, original de la carte grise de mat\u00e9riel roulant \u2026) authentifi\u00e9s par l\u2019autorit\u00e9 comp\u00e9tente ou bien, dispos\u00e9 d\u2019un titre foncier ;<\/li><li>Un engagement de pr\u00e9l\u00e8vement mensuel sur salaire sign\u00e9 de l\u2019employeur pour les demandeurs et les cautions salari\u00e9s. Ou un ordre de virement permanent ;<\/li><li>La copie des trois (03) derni\u00e8res fiches de paie et du contrat de travail vis\u00e9 par l\u2019inspection de travail pour les demandeurs et les cautions salari\u00e9s.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a102a58\" data-id=\"a102a58\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fa405f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa405f0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ce87d0f\" data-id=\"ce87d0f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3fd9906 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3fd9906\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e4a64a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e4a64a2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6459e67\" data-id=\"6459e67\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-830c91c elementor-widget elementor-widget-image\" data-id=\"830c91c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/ccrbenin.bj\/wp-content\/uploads\/2022\/03\/image_2022-03-03_220325-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-256\" alt=\"\" srcset=\"https:\/\/ccrbenin.bj\/wp-content\/uploads\/2022\/03\/image_2022-03-03_220325-e1646341431694.png 150w, https:\/\/ccrbenin.bj\/wp-content\/uploads\/2022\/03\/image_2022-03-03_220325-300x300.png 300w, https:\/\/ccrbenin.bj\/wp-content\/uploads\/2022\/03\/image_2022-03-03_220325-1024x1024.png 1024w, https:\/\/ccrbenin.bj\/wp-content\/uploads\/2022\/03\/image_2022-03-03_220325-768x768.png 768w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-da56ceb\" data-id=\"da56ceb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-009f297 elementor-widget elementor-widget-heading\" data-id=\"009f297\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conditions de cr\u00e9dit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-8e80f8a\" data-id=\"8e80f8a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30e3146 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30e3146\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f67e854\" data-id=\"f67e854\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6fa4215\" data-id=\"6fa4215\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e363f3c elementor-widget elementor-widget-text-editor\" data-id=\"e363f3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les cr\u00e9dits sont sujets\u00a0 \u00e0 :<\/p><ul><li>une garantie financi\u00e8re correspondante \u00e0 15% du cr\u00e9dit accord\u00e9,<\/li><li>une constitution de garantie mat\u00e9rielle pour tout montant de cr\u00e9dit <strong>sup\u00e9rieur \u00e0 300.000F CFA,<\/strong><\/li><li>des frais d\u2019\u00e9tude de dossier fix\u00e9s \u00e0 <strong>1% du montant accord\u00e9,<\/strong><\/li><li>une assurance d\u00e9c\u00e8s d\u2019une compagnie d\u2019assurance agr\u00e9\u00e9e<\/li><li>un compl\u00e9ment de part sociale exig\u00e9 \u00e0 l\u2019instruction du dossier.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-22722b4\" data-id=\"22722b4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-02f7721 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"02f7721\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1489904\" data-id=\"1489904\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2e27ac7\" data-id=\"2e27ac7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1391dc5 elementor-widget elementor-widget-read-more\" data-id=\"1391dc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"read-more.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/section><\/div> <a href=\"https:\/\/ccrbenin.bj\/index.php\/credit\/#more-35\" class=\"more-link elementor-more-link\"><span aria-label=\"Poursuivre la lecture Cr\u00e9dit\">Lire plus<\/span><\/a>","protected":false},"excerpt":{"rendered":"<p>El\u00e9ments constitutifs d&rsquo;un dossier de cr\u00e9dit Anciennet\u00e9 d\u2019au moins 1 mois dans l\u2019institution La fiche de demande de cr\u00e9dit d\u00fbment remplie et sign\u00e9e ; Les fiches de collecte des informations, la fiche d\u2019enqu\u00eate, de visite terrain, d\u2019analyse et commentaire, ainsi<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-35","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ccrbenin.bj\/index.php\/wp-json\/wp\/v2\/pages\/35","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ccrbenin.bj\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ccrbenin.bj\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ccrbenin.bj\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ccrbenin.bj\/index.php\/wp-json\/wp\/v2\/comments?post=35"}],"version-history":[{"count":22,"href":"https:\/\/ccrbenin.bj\/index.php\/wp-json\/wp\/v2\/pages\/35\/revisions"}],"predecessor-version":[{"id":259,"href":"https:\/\/ccrbenin.bj\/index.php\/wp-json\/wp\/v2\/pages\/35\/revisions\/259"}],"wp:attachment":[{"href":"https:\/\/ccrbenin.bj\/index.php\/wp-json\/wp\/v2\/media?parent=35"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}