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Crédit à la consommation, Tout ce qu'il faut savoir - Algerie360
Ce crédit ne concernera que les produits «made in bladi». Sa durée est supérieure à trois mois, mais ne doit pas excéder les cinq années.
C’est désormais officiel, le crédit à la consommation fera son retour en 2016. En effet, après une année 2015, où il s’est fait désirer, le ministère de l’Industrie annonce que ce mode de financement des achats des ménages sera relancé le premier trimestre de l’année prochaine. Mais concrètement que va-t-il apporter aux consommateurs et même à l’économie nationale? Tout d’abord, pour les novices ou ceux qui n’ont pas connu l’époque où il était en vigueur, il faut comprendre c’est quoi ce type de crédit? En fait, c’est tout simple. C’est la catégorie de crédit accordée à des particuliers par des établissements bancaires pour financer les achats de biens et services, comme les grosses dépenses en biens d’équipement (automobile, équipement de la maison).
Pour les particuliers, cette catégorie de crédit s’oppose au crédit immobilier utilisé pour financer l’acquisition d’un bien immobilier. Par rapport à cette catégorie, il se caractérise par des montants de prêts plus faibles, une durée de remboursement relativement courte et la nature des garanties demandées. Pour pouvoir bénéficier de ce crédit, il faut disposer d’une fiche de paie et d’un compte bancaire.
Toutes les banques privées ou publiques proposeront ce type de produit qui est des plus rentables pour eux. Le processus de vente, est toutefois fortement encadré par des dispositifs réglementaires, destinés à limiter les situations de surendettement. Ce dispositif s’appelle chez nous la centrale des risques, il a été mis en place le 15 septembre dernier. Il permet de savoir si le client n’est pas déjà endetté et si son salaire lui permet de payer les mensualités périodiques de remboursement, tout en lui garantissant un revenu qui lui permet de vivre.
Le montant mensuel global de remboursement du crédit contracté par l’emprunteur ne peut, en aucun cas, dépasser 30% de ses revenus mensuels nets régulièrement perçus, afin d’éviter le surendettement du client. La durée de ce crédit est supérieure à trois mois, mais ne doit pas excéder les cinq années.
Pas plus de 30% de revenus mensuels nets du souscripteur
En outre, l’octroi du crédit à la consommation est réservé exclusivement aux nationaux résidents. Il faut aussi savoir que, contrairement au précédent essai du crédit à la consommation qui était ouvert à tous les produits vendus dans le pays, cette fois-ci il sera limité aux produits fabriqués localement. Quels sont ces produits? La loi stipule que les entreprises dont les produits sont éligibles au crédit à la consommation, sont celles qui exercent une activité de production ou de service sur le territoire national, qui produisent ou assemblent des biens destinés à la vente aux particuliers, qui sont en règle avec l’administration fiscale et les organismes de sécurité sociale, qui sont bancarisées et vendent avec factures. Les biens éligibles peuvent répondre à un taux d’intégration fixé, en tant que de besoin, par arrêté ministériel. Et pour le moment, aucun taux d’intégration n’est fixé!
Les produits assemblés ici, comme certains appareils électroménagers et bien sûr, les voitures, sont éligibles.
Ce crédit à la consommation, dont 80% des souscripteurs l’avaient fait pour acquérir une voiture, leur permettra encore d’en acheter une mais elle devra être fabriquée localement. Pour le moment donc, seule la Renault Symbol «made in bladi» est concernée ou un… bus Snvi! Mais bientôt d’autres usines vont faire du montage automobile en Algérie telles que Fiat et Peugeot. Vous pourrez acquérir donc l’un de leurs véhicules, si d’ici là un taux d’intégration n’est pas fixé. Une bonne nouvelle pour ceux qui s’apprêtent à convoler en justes noces ou qui veulent refaire l’équipement de leur chez-soi. Les marques algériennes d’électroménager ou d’électronique telles que Condor, l’Enie et l’Eniem vont aussi pouvoir vous vendre leurs produits à crédit. Les fabricants locaux de meubles ou autres éléments de cuisine sont aussi concernés. Même des téléphones portables pourraient être achetés par ce qu’on appelle communément la «facilité», puisque Condor et Stream système en fabriquent localement. Bref, toutes vos grandes dépenses pourront être payées à crédit, à condition qu’elles soient «made in chez nous». Cela sur une durée de trois mois à cinq ans, selon le prix du produit et l’apport initial qui faut-il le préciser reste obligatoire.
L’atout miracle pour relancer l’industrie nationale
En ces temps de crise, ce type de paiement est un moyen efficace pour aider les foyers à boucler leurs fins de mois. Ce sera certainement un bol d’air aux foyers qui n’arrivent plus à tenir jusqu’à la fin du mois avec la cherté de la vie actuelle. Il peut leur permettre d’acheter les articles nécessaires, même s’ils n’ont pas les moyens nécessaires pour le faire au moment présent.
Une bonne nouvelle donc, pour les foyers mais aussi pour l’économie nationale. Car, en limitant ce crédit aux produits locaux, cela va certainement encourager les Algériens à acheter le produit local vu que ce sera plus à leur portée. Ça va ainsi relancer la consommation et avec, la machine industrielle. Par la même, ça encouragera ou plutôt, obligera tous ceux qui voudront vendre chez nous de fabriquer localement.
Par la force des choses, le produit local sera avantagé en étant à la portée de monsieur Tout-le-Monde, reléguant en produit de luxe tout ce qui sera issu de l’importation.
C’est l’expérience réussie en Amérique du Sud, notamment au Brésil et en Argentine et dans d’autres pays du monde que l’on tentera par là. Celle-ci a permis à ces pays de consommer local et d’encourager la création de plusieurs PME avec les résultats que tout le monde connaît sur leur économie.
Néanmoins, il ne faut pas oublier le pourquoi de l’arrêt de ce crédit à la consommation et les risques qu’il fait courir aux foyers avec un surendettement qui peut vite devenir incontrôlable en nous rendant esclaves des banques et des organismes de crédit, comme cela a été le cas aux Etats-Unis, notamment avec la crise des subprimes qui avait déclenché la crise bancaire mondiale de 2007.
Cela sans parler du fait que le prix de l’article peut être plus élevé à cause des intérêts. Des difficultés financières peuvent de ce fait surgir, si on ne fait plus le suivi de nos dépenses mensuelles. Si on ne fait pas attention, on peut très vite se retrouver sur la paille…