{"id":243,"date":"2021-03-30T13:50:05","date_gmt":"2021-03-30T13:50:05","guid":{"rendered":"https:\/\/city-car.fr\/actualite\/?p=243"},"modified":"2021-03-30T13:50:05","modified_gmt":"2021-03-30T13:50:05","slug":"leasing-ou-credit-auto-quel-financement-pour-votre-vehicule-doccasion","status":"publish","type":"post","link":"https:\/\/city-car.fr\/actualite\/leasing-ou-credit-auto-quel-financement-pour-votre-vehicule-doccasion\/","title":{"rendered":"Leasing ou Cr\u00e9dit Auto : quel financement pour votre v\u00e9hicule d\u2019occasion ?"},"content":{"rendered":"

Indispensable \u00e0 vos d\u00e9placements quotidiens, un v\u00e9hicule repr\u00e9sente toutefois des frais r\u00e9guliers et un co\u00fbt important au moment de son acquisition. Alors que les v\u00e9hicules d\u2019occasion repr\u00e9sentent une alternative int\u00e9ressante avec des prix attractifs, il reste \u00e0 d\u00e9terminer votre type de financement pour son achat. Nous faisons le point avec vous sur les avantages et les inconv\u00e9nients du leasing et du cr\u00e9dit auto.<\/p>\n

Le leasing LOA : un mode d\u2019achat de plus en plus populaire<\/h2>\n

La Location avec Option d\u2019Achat (LOA) s\u2019est largement d\u00e9velopp\u00e9e ces derni\u00e8res ann\u00e9es pour devenir aujourd\u2019hui un moyen incontournable d\u2019acqu\u00e9rir un nouveau v\u00e9hicule pour les particuliers. Avec un apport moindre et des mensualit\u00e9s \u00e9tal\u00e9es sur 36 \u00e0 48 mois, ce syst\u00e8me souple et accessible est fortement pl\u00e9biscit\u00e9 par les Fran\u00e7ais. Une fois les mensualit\u00e9s termin\u00e9es, le choix de conserver le v\u00e9hicule ou de le rendre permet de s\u2019adapter plus facilement \u00e0 vos besoins du moment. Mais quels sont les r\u00e9els avantages et les inconv\u00e9nients d\u2019un achat d\u2019occasion en LOA ?<\/p>\n

Avantages<\/h3>\n

Un contrat LOA pour une voiture occasion tient compte de l\u2019assurance et de l\u2019entretien du v\u00e9hicule durant toute la dur\u00e9e de la location. De cette mani\u00e8re, vous ne r\u00e9glez qu\u2019une mensualit\u00e9 unique pour un budget ma\u00eetris\u00e9 et sans surprises. Un v\u00e9ritable confort lorsqu\u2019on sait les cons\u00e9quences financi\u00e8res que peut avoir un impr\u00e9vu avec son v\u00e9hicule.<\/p>\n

De plus, la popularit\u00e9 grandissante du leasing offre aujourd\u2019hui un parc automobile des plus attrayants, y compris sur le march\u00e9 de l\u2019occasion. Des mod\u00e8les vari\u00e9s et r\u00e9cents qui vous permettent de b\u00e9n\u00e9ficier du confort et de la praticit\u00e9 des derni\u00e8res technologies dans votre v\u00e9hicule. Si vous ne souhaitez pas finaliser l\u2019achat de votre voiture, vous renouvelez alors votre plaisir facilement avec un mod\u00e8le plus adapt\u00e9 ou plus r\u00e9cent r\u00e9guli\u00e8rement.<\/p>\n

Inconv\u00e9nients<\/h3>\n

Bien qu\u2019un contrat LOA vous offre la possibilit\u00e9 d\u2019acheter le v\u00e9hicule \u00e0 la fin des \u00e9ch\u00e9ances, il n\u2019en reste pas moins un contrat de location soumis \u00e0 des conditions. La n\u00e9cessit\u00e9 de ma\u00eetriser le renouvellement du parc automobile et les co\u00fbts li\u00e9s \u00e0 son entretien implique des crit\u00e8res pr\u00e9cis dans l\u2019utilisation de votre v\u00e9hicule d\u2019occasion.<\/p>\n

Le kilom\u00e9trage est d\u00e9termin\u00e9 au moment de la souscription et s\u2019applique durant toute la dur\u00e9e du contrat. Un d\u00e9passement vous expose \u00e0 des frais suppl\u00e9mentaires particuli\u00e8rement on\u00e9reux. Ainsi, si vous \u00e9prouvez des difficult\u00e9s \u00e0 quantifier pr\u00e9cis\u00e9ment les kilom\u00e8tres effectu\u00e9s au quotidien, un achat d\u2019occasion en LOA risque de vous co\u00fbter bien plus cher que pr\u00e9vu. En cas de restitution, les \u00e9ventuelles d\u00e9gradations constat\u00e9es vous seront \u00e9galement factur\u00e9es. Un soin constant et r\u00e9gulier est donc indispensable.<\/p>\n

Le cr\u00e9dit auto : une utilisation libre de votre v\u00e9hicule<\/h2>\n

Formule classique par excellence, le cr\u00e9dit auto permet un emprunt adapt\u00e9 pour acheter votre v\u00e9hicule d\u2019occasion<\/a>. Un financement s\u00fbr gr\u00e2ce auquel vous profitez rapidement de votre nouvelle voiture sans aucun contrat autre que le remboursement de vos mensualit\u00e9s. Ce mode d\u2019achat est toutefois de moins en moins utilis\u00e9 par les particuliers, au profit des formules de leasing. Quels sont les v\u00e9ritables avantages et inconv\u00e9nients d\u2019un pr\u00eat auto ?<\/p>\n

Avantages<\/h3>\n

C\u2019est l\u2019organisme bancaire qui avance l\u2019argent n\u00e9cessaire \u00e0 votre achat de v\u00e9hicule d\u2019occasion. Vous \u00eates donc propri\u00e9taire de ce dernier imm\u00e9diatement et les \u00e9ventuels accrocs subis ne concernent que vous. Une s\u00e9r\u00e9nit\u00e9 qui n\u2019est pas permise avec un contrat LOA durant lequel l\u2019\u00e9tat de votre v\u00e9hicule doit rester impeccable.<\/p>\n

Pour les m\u00eames raisons, le kilom\u00e9trage n\u2019est pas limit\u00e9. Vous roulez autant que vous le souhaitez sans craindre des frais de p\u00e9nalit\u00e9s on\u00e9reux. Plus libres dans vos d\u00e9placements, vous profitez pleinement de votre nouvelle voiture et des possibilit\u00e9s que cet \u00e9quipement vous offre.<\/p>\n

Inconv\u00e9nients<\/h3>\n

Le cr\u00e9dit auto est une solution de financement efficace qui ne propose toutefois que tr\u00e8s peu de services en dehors de l\u2019emprunt lui-m\u00eame. En effet, un contrat LOA vous permet d\u2019inclure l\u2019entretien ou l\u2019assurance de votre v\u00e9hicule pour ne r\u00e9gler qu\u2019une seule mensualit\u00e9 qui vous permet une plus grande ma\u00eetrise de votre budget. Un cr\u00e9dit auto vous impose de souscrire \u00e0 des contrats diff\u00e9rents pour b\u00e9n\u00e9ficier des m\u00eames avantages, avec la possibilit\u00e9 d\u2019\u00eatre pris de court en cas d\u2019impr\u00e9vu.<\/p>\n

De plus, la reprise ou la vente de votre v\u00e9hicule est \u00e0 effectuer vous-m\u00eame. Des d\u00e9marches souvent fastidieuses qui vous incombent pourtant si vous avez opt\u00e9 pour un cr\u00e9dit auto lors de l\u2019achat de votre v\u00e9hicule d\u2019occasion.<\/p>\n

En conclusion, si les deux formules vous permettent de financer votre nouvelle voiture d\u2019occasion, un leasing en LOA vous offre une souplesse et de nombreux avantages pour l\u2019entretien du v\u00e9hicule. Un achat facilit\u00e9 qui concurrence directement le cr\u00e9dit auto et qui a conquis des milliers de Fran\u00e7ais ces derni\u00e8res ann\u00e9es.<\/p>\n","protected":false},"excerpt":{"rendered":"

Indispensable \u00e0 vos d\u00e9placements quotidiens, un v\u00e9hicule repr\u00e9sente toutefois des frais r\u00e9guliers et un co\u00fbt important au moment de son acquisition. Alors que les v\u00e9hicules d\u2019occasion repr\u00e9sentent une alternative int\u00e9ressante avec des prix attractifs, il reste \u00e0 d\u00e9terminer votre type de financement pour son achat. Nous faisons le point avec vous sur les avantages et […]<\/p>\n","protected":false},"author":4,"featured_media":247,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"smartphones":[],"class_list":{"0":"post-243","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-actualites"},"yoast_head":"\nLeasing ou Cr\u00e9dit Auto : quel financement pour votre v\u00e9hicule d\u2019occasion ? - City Car Actu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/city-car.fr\/actualite\/leasing-ou-credit-auto-quel-financement-pour-votre-vehicule-doccasion\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Leasing ou Cr\u00e9dit Auto : quel financement pour votre v\u00e9hicule d\u2019occasion ? - City Car Actu\" \/>\n<meta property=\"og:description\" content=\"Indispensable \u00e0 vos d\u00e9placements quotidiens, un v\u00e9hicule repr\u00e9sente toutefois des frais r\u00e9guliers et un co\u00fbt important au moment de son acquisition. Alors que les v\u00e9hicules d\u2019occasion repr\u00e9sentent une alternative int\u00e9ressante avec des prix attractifs, il reste \u00e0 d\u00e9terminer votre type de financement pour son achat. 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