Le recours à un prêt bancaire n’est pas la seule avenue possible pour vous faire plaisir, épargnez pour cela !
PRÊT BANCAIRE… PARLONS-EN !
Le recours à un prêt bancaire n’est pas la seule avenue possible pour faire face aux imprévus et pour vous payer ce dont vous avez besoin ! Vous devez épargner. Et chaque petit CFA mis de côté jouera en votre faveur. nécessite des efforts constants. Sans une décision ferme de votre part, vous ne réussirez pas à mettre de l’argent de côté. Seulement, il faut reconnaître que le prêt coûte cher, trop cher, et tellement cher qu’il en devient un boulet.
Pourquoi éviter les prêts bancaires ?
Un fonctionnaire approche sa banque pour solliciter un prêt de 15 millions de FCFA. Voici en chiffres ce qui l’attend :
- 15.000.000 FCFA remboursables sur 7ans (84 mois).
- 940.500 Frs de frais d’assurance,
- 225.000 Frs de frais de dossiers,
- 30.000 Frs, compte de nantissement,
- 242.365 Frs x 84.
Total remboursement :
21.524.160 Frs.
Soit 6.524.160 Frs d’intérêt reversés…
PRÊTS BANCAIRES, SOLUTION OU ASPHYXIE ?
PRÊT BANCAIRE : S’ENDETTER INTELLIGENT.
Personne ne nous y contraint, seule la nécessité nous y conduit.
Le prêt bancaire est un produit FACULTATIF pour le salarié. La banque nous reverse notre salaire, moyennant des agios et nous propose L’ÉPARGNE et/ou le PRÊT.
Le salarié dont la quotité cessible (1/3 du salaire) est retenue pour 7 ans et qui rembourse finalement pas loin de 40% du capital emprunté, pour 13 millions effectivement perçus, il en paiera 21.
Si jamais un coup dur survient, c’est la porte ouverte aux « margouillats » car, lorsque vous devez à votre banque, vous y perdez tous vos droits. Il ne vous reste que le rachat, et c’est de Charybde en Scylla !
J’entends dire « si l’argent emprunté est bien utilisé »… Oui, mais, c’est le COÛT du prêt qu’il faut revoir impérativement, avec les frais et les taux d’intérêt asphyxiants ! Je peux « bien utiliser un prêt », sans pour autant l’avoir investi dans une activité à rendement immédiat.
Par exemple, créer une plantation, payez les études de mes enfants, acheter un terrain, commencer un chantier…
Le prêt bancaire est finalement DANGEREUX pour le salarié qui n’a pas d’autres ressources, et gare à celui qui engloutit son prêt dans un bâtiment, sans pouvoir l’achever… Il va « lire l’heure » dans les décombres de son chantier….
J’ai le devoir de vérité envers mes jeunes frères, et je déteste la langue de bois.
Ne vous endettez jamais pour vous faire plaisir, épargnez pour cela !
Ne vous endettez pas au-delà de 24 mois, c’est un piège affreux !
Ne vous endettez pas pour un investissement dont le rendement ne peut pas combler immédiatement les échéances douloureuses.
N’écoutez pas les conseils des « théoriciens financiers » et autres, la vraie vie est différente.
Préférez l’épargne, par tous les moyens, y compris vos tontines, et évitez les prêts bancaires de plus de 2 ans.
Les doyens savent de quoi je parle, et les cas de réussite ne sont que des exceptions.
Mais, comme chacun connaît sa réalité et que Maaadou n’est pas Digbeu, ce qui réussit à l’un, peut être catastrophique pour l’autre !
Vous êtes prévenus : L’ÉPARGNE plutôt que le PRÊT.
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