{"id":388,"date":"2023-08-29T20:39:41","date_gmt":"2023-08-29T20:39:41","guid":{"rendered":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/?p=388"},"modified":"2023-08-29T20:39:53","modified_gmt":"2023-08-29T20:39:53","slug":"avantages-preteur-b","status":"publish","type":"post","link":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/avantages-preteur-b\/","title":{"rendered":"Avantages Pr\u00eateur B"},"content":{"rendered":"<p>Voici\u00a0<strong>3 avantages du pr\u00eateur B<\/strong>, qu\u2019on appelle\u00a0<strong>pr\u00eateur alternatif<\/strong>.<\/p>\n<h2 id=\"h-1-le-bureau-de-cr-dit-plus-permissif\" class=\"wp-block-heading\"><strong>1- Le bureau de cr\u00e9dit plus permissif<\/strong><\/h2>\n<p>Alors que les pr\u00eateurs A demandent un bureau de cr\u00e9dit ayant un certain score minimal, tournant autour de 640$ \u00e0 680$, les\u00a0<strong>pr\u00eateurs B<\/strong>\u00a0n\u2019en requi\u00e8rent g\u00e9n\u00e9ralement pas. En fait, la plupart des\u00a0<strong>pr\u00eateurs alternatifs<\/strong>, comme la Banque \u00c9quitable, B2B et Aventuri n\u2019ont pas de minimum. Par contre, pour faire affaire avec une\u00a0<strong>banque alternative<\/strong>, il faut presque toujours que le client passe par les\u00a0<strong>services d\u2019un courtier hypoth\u00e9caire<\/strong>.<\/p>\n<h2 class=\"wp-block-heading\"><strong>2- Les programmes sp\u00e9ciaux<\/strong><\/h2>\n<p>Tout comme les banques A, les\u00a0<strong>banques B<\/strong>\u00a0ont des\u00a0<strong>programmes particuliers<\/strong>, offrant des\u00a0<strong>privil\u00e8ges<\/strong>\u00a0pour certains<strong>\u00a0types de financement<\/strong>. Notamment, il y a le programme\u00a0<strong>d&#8217;auto d\u00e9claration des revenus<\/strong>\u00a0pour les travailleurs autonomes. Les pr\u00eateurs B peuvent entre autres qualifier sur le\u00a0<strong>revenu brut<\/strong>\u00a0ou celui de la compagnie d\u2019un client plut\u00f4t que sur son revenu personnel. De plus, les<strong>\u00a0ratios d\u2019endettement<\/strong>\u00a0sont souvent plus\u00a0<strong>permissifs<\/strong>\u00a0chez les pr\u00eateurs B. En bref, il faut bien analyser les\u00a0<strong>cr\u00e9neaux<\/strong>\u00a0de chaque pr\u00eateur alternatif, car certains peuvent \u00eatre exactement ce dont un client a besoin.<\/p>\n<h2 class=\"wp-block-heading\"><strong>3- Les d\u00e9lais<\/strong><\/h2>\n<p>Si le client fait appel aux services de la bonne personne pour l\u2019aider, soit du bon\u00a0<strong>courtier hypoth\u00e9caire<\/strong>, son dossier peut avancer tr\u00e8s rapidement. Il est donc important de faire affaire avec un courtier qui a du\u00a0<strong>bon volume<\/strong>\u00a0et une<strong>\u00a0bonne relation<\/strong>\u00a0avec les diff\u00e9rentes banques B. Au final, plus le courtier a de contacts et de\u00a0<strong>souscripteurs d\u00e9sign\u00e9s<\/strong>\u00a0dans chacune des banques alternatives, plus\u00a0<strong>les d\u00e9lais de traitement<\/strong>\u00a0des dossiers seront courts.<\/p>\n<p><iframe loading=\"lazy\" title=\"AVANTAGES PR\u00caTEUR B\" src=\"https:\/\/www.youtube.com\/embed\/1KT7eNwd0o8\" width=\"704\" height=\"396\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Voici\u00a03 avantages du pr\u00eateur B, qu\u2019on appelle\u00a0pr\u00eateur alternatif. 1- Le bureau de cr\u00e9dit plus permissif Alors que les pr\u00eateurs A demandent un bureau de cr\u00e9dit ayant un certain score minimal, tournant autour de 640$ \u00e0 680$, les\u00a0pr\u00eateurs B\u00a0n\u2019en requi\u00e8rent g\u00e9n\u00e9ralement pas. En fait, la plupart des\u00a0pr\u00eateurs alternatifs, comme la Banque \u00c9quitable, B2B et Aventuri n\u2019ont [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":390,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-videos-educatives"],"acf":[],"_links":{"self":[{"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/posts\/388","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/comments?post=388"}],"version-history":[{"count":1,"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/posts\/388\/revisions"}],"predecessor-version":[{"id":389,"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/posts\/388\/revisions\/389"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/media\/390"}],"wp:attachment":[{"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/media?parent=388"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/categories?post=388"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gabrieldegennaro.com.br\/projects\/jean-mathieu\/wp-json\/wp\/v2\/tags?post=388"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}