{"id":3848,"date":"2024-08-27T16:27:16","date_gmt":"2024-08-27T16:27:16","guid":{"rendered":"https:\/\/techhub.saworks.io\/?post_type=docs&#038;p=3848"},"modified":"2025-06-24T13:32:38","modified_gmt":"2025-06-24T13:32:38","slug":"calcul-dinterets-fixes-methode-proportionnelle","status":"publish","type":"docs","link":"https:\/\/techhub.saworks.io\/fr\/docs\/produit-de-banque\/produit-de-pret\/calcul-dinterets-fixes-methode-proportionnelle\/","title":{"rendered":"Calcul d&rsquo;int\u00e9r\u00eats fixes (m\u00e9thode proportionnelle)"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Principe :<\/strong><br>La m\u00e9thode des int\u00e9r\u00eats fixes calcule un montant d&rsquo;int\u00e9r\u00eats constant sur le capital initial pour toute la dur\u00e9e du pr\u00eat. Chaque \u00e9ch\u00e9ance comprend :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une part d&rsquo;int\u00e9r\u00eats identique<\/li>\n\n\n\n<li>Une part de capital identique<\/li>\n<\/ul>\n\n\n\n<p><strong>Formules de calcul :<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Int\u00e9r\u00eats totaux<\/strong>\u00a0= P \u00d7 (r\/100) \u00d7 n<\/li>\n\n\n\n<li><strong>\u00c9ch\u00e9ance d&rsquo;int\u00e9r\u00eats<\/strong>\u00a0= Int\u00e9r\u00eats totaux \/ nombre de remboursements<\/li>\n\n\n\n<li><strong>\u00c9ch\u00e9ance de capital<\/strong>\u00a0= P \/ nombre de remboursements<\/li>\n\n\n\n<li><strong>Paiement total<\/strong>\u00a0= \u00c9ch\u00e9ance d&rsquo;int\u00e9r\u00eats + \u00c9ch\u00e9ance de capital<\/li>\n<\/ol>\n\n\n\n<p><strong>Variables :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>P<\/strong>\u00a0: Capital emprunt\u00e9<\/li>\n\n\n\n<li><strong>r<\/strong>\u00a0: Taux d&rsquo;int\u00e9r\u00eat par p\u00e9riode (%)<\/li>\n\n\n\n<li><strong>n<\/strong>\u00a0: Dur\u00e9e totale du pr\u00eat (en p\u00e9riodes)<\/li>\n<\/ul>\n\n\n\n<p>Exemple:<\/p>\n\n\n\n<p>Un client emprunte 1 000 $ (P) \u00e0 un taux d&rsquo;int\u00e9r\u00eat de 2 % (r) par mois pendant quatre (n) mois, avec quatre mensualit\u00e9s. Int\u00e9r\u00eats : 1 000 $ * 2\/100 * 4 = 80 $ Variation des int\u00e9r\u00eats : 80 $ \/ 4 = 20 $ Variation du capital : 1 000 $ \/ 4 = 250 $ Variation mensuelle (capital et int\u00e9r\u00eats) : 20 $ + 250 $ = 270 $<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Principe :La m\u00e9thode des int\u00e9r\u00eats fixes calcule un montant d&rsquo;int\u00e9r\u00eats constant sur le capital initial pour toute la dur\u00e9e du pr\u00eat. Chaque \u00e9ch\u00e9ance [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":3823,"menu_order":5,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[],"class_list":["post-3848","docs","type-docs","status-publish","hentry"],"author_avatar":"https:\/\/secure.gravatar.com\/avatar\/6a70e7c73db9f245e650948d09d74f61?s=96&d=mm&r=g","author_name":"Annick N'dri","_links":{"self":[{"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/docs\/3848"}],"collection":[{"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/comments?post=3848"}],"version-history":[{"count":0,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/docs\/3848\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/docs\/3823"}],"wp:attachment":[{"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/media?parent=3848"}],"wp:term":[{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/doc_tag?post=3848"},{"taxonomy":"doc_badge","embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/doc_badge?post=3848"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}