Taux crédit auto : les points à retenir

Si vous avez besoin de nouvelle voiture, neuve ou d’occasion, un crédit est votre meilleur allié pour financer votre projet. Néanmoins, les taux crédit auto ne sont pas les mêmes pour chaque organisme prêteur. C’est la raison pour laquelle ce taux sera un critère déterminant pour le consommateur lorsqu’il sera amené à choisir son crédit. Bien évidemment, l’on se tournera donc vers les offres affichant les meilleurs taux. Découvrez dans cet article tout ce qu’il faut savoir sur les taux crédit auto.

Crédit auto, les différents types

En ce qui concerne les différents types de crédit auto, on en distingue plusieurs :

  • Le crédit affecté auto : il y a une liaison entre le financement auto et le véhicule. Ainsi, le financement ne pourra s’affecter qu’à la voiture en question.
  • Le prêt personnel : contrairement au crédit affecté, le prêt personnel peut être utilisé comme bon vous le semble et pour n’importe quel type de projet : achat de voiture ou autre chose.
  • La location avec option de d’achat : appelée aussi LOA, il s’agit de louer une voiture pendant une certaine période avec l’option d’achat pour l’acquérir à titre définitif contre le paiement de la valeur résiduelle.

Les différents types de taux dans un crédit auto

Un récapitulatif sur le taux crédit auto est tout d’abord nécessaire. En effet, ce terme désigne les taux d’intérêt appliqués dans le cadre d’un financement d’automobile. C’est ainsi grâce à ce pourcentage que l’organisme de prêt se rémunère.

En ce qui concerne les différents types de taux dans un crédit auto, on compte plusieurs dénominations. Pour vous aider à y voir plus clair, voici quelques expressions à savoir :

  • Le taux fixe auto : le taux d’intérêt de la banque ne bouge pas durant toute la durée du crédit auto. Ainsi, vous allez payer les mêmes mensualités pendant toute la durée de remboursement du prêt. Cette méthode est utilisée afin de sécuriser votre emprunt.
  • Le taux variable auto : il est aussi appelé taux révisable auto. Le principe est le suivant : le taux d’intérêt augmente ou diminue en fonction de l’évolution de l’indice de référence. Néanmoins, le taux d’intérêt ne peut pas dépasser un plafond ou un seuil déterminé dans le contrat (lorsqu’il monte ou lorsqu’il descend).
  • Le taux débiteur ou le taux nominal : c’est le coefficient d’intérêt sans frais annexes (sans frais d’assurance par exemple) proposés par l’établissement prêteur. Il permet de calculer les mensualités à rembourser.
  • Le TAEG ou Taux Annuel Effectif Global : contrairement au taux débiteur, il prend en compte les frais annexes dont ceux de l’ouverture, de la tenue de compte, de la garantie ou encore du dossier. Il est fixé par l’établissement prêteur.
  • Le TEG ou Taux Effectif Global : le principe est le même que celui du TAEG sauf que cela concerne le crédit immobilier
  • Le TAEA ou Taux Annuel Effectif de l’assurance : il permet à l’emprunteur de visualiser le coût global de son assurance emprunteur auto. Toutefois, l’assurance emprunteur n’est pas obligatoire quand vous souscrivez un crédit à la consommation.
  • Le taux d’usure : c’est le taux maximum ne pouvant pas être dépassé par les banques quand elles accordent un prêt. Il est fixé par le ministère de l’Economie et des Finances.

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