{"id":3850,"date":"2024-08-27T14:23:48","date_gmt":"2024-08-27T14:23:48","guid":{"rendered":"https:\/\/techhub.saworks.io\/?post_type=docs&#038;p=3850"},"modified":"2025-06-24T15:03:40","modified_gmt":"2025-06-24T15:03:40","slug":"comment-creer-un-produit-de-pret","status":"publish","type":"docs","link":"https:\/\/techhub.saworks.io\/fr\/docs\/produit-de-banque\/produit-de-pret\/comment-creer-un-produit-de-pret\/","title":{"rendered":"Comment cr\u00e9er un produit de pr\u00eat ?"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Un produit de pr\u00eat d\u00e9finit les r\u00e8gles, param\u00e8tres par d\u00e9faut et contraintes des offres de cr\u00e9dit d&rsquo;une institution financi\u00e8re. Il sert de mod\u00e8le pour les multiples comptes de pr\u00eat octroy\u00e9s aux clients.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Informations requises pour cr\u00e9er un produit de pr\u00eat :<\/strong><\/h4>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Identification<\/strong>\u00a0: Nom, code et description du produit<\/li>\n\n\n\n<li><strong>Devise<\/strong>\u00a0: Monnaie utilis\u00e9e pour les transactions<\/li>\n\n\n\n<li><strong>Conditions<\/strong>\u00a0: Dur\u00e9e, montants minimum\/maximum, taux d&rsquo;int\u00e9r\u00eat<\/li>\n\n\n\n<li><strong>Param\u00e8tres<\/strong>\u00a0: Remboursement (fr\u00e9quence, m\u00e9thode de calcul)<\/li>\n\n\n\n<li><strong>Tranches<\/strong>\u00a0(si applicable) : D\u00e9livrance partielle du pr\u00eat<\/li>\n\n\n\n<li><strong>Frais<\/strong>\u00a0: Frais de dossier, p\u00e9nalit\u00e9s de retard, etc.<\/li>\n\n\n\n<li><strong>Comptabilit\u00e9<\/strong>\u00a0: R\u00e8gles comptables (cash, exercice)<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u00c9tapes de cr\u00e9ation :<\/strong><\/h4>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Acc\u00e9der au menu Produits<\/strong>\n<ul class=\"wp-block-list\">\n<li>Sur l&rsquo;\u00e9cran principal, cliquez sur\u00a0<strong>Administration<\/strong>\u00a0\u2192\u00a0<strong>Produits<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>S\u00e9lectionner \u00ab\u00a0Produits de pr\u00eat\u00a0\u00bb<\/strong>\n<ul class=\"wp-block-list\">\n<li>Choisissez l&rsquo;option pour cr\u00e9er un nouveau produit<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-1 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"125\" height=\"300\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134241-125x300.png\" alt=\"\" class=\"wp-image-3862 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134241-125x300.png 125w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134241.png 184w\" data-sizes=\"(max-width: 125px) 100vw, 125px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 125px; --smush-placeholder-aspect-ratio: 125\/300;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4-150x150.png\" alt=\"\" class=\"wp-image-3794 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4-150x150.png 150w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4.png 225w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"127\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134312-300x127.png\" alt=\"\" class=\"wp-image-3864 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134312-300x127.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134312-1024x433.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134312-768x324.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134312.png 1522w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/127;\" \/><\/figure>\n<\/div>\n\n\n\n<p>La page&nbsp;<strong>Produits de pr\u00eat<\/strong>&nbsp;s&rsquo;affichera comme illustr\u00e9 ci-dessous :<\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"75\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134805-300x75.png\" alt=\"\" class=\"wp-image-3866 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134805-300x75.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134805-1024x255.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134805-768x191.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-134805.png 1530w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/75;\" \/><\/figure>\n\n\n\n<p>Cliquez sur le bouton bleu\u00a0<em>Cr\u00e9er un produit de pr\u00eat<\/em>\u00a0visible sur l&rsquo;image ci-dessus.<\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"129\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135054-300x129.png\" alt=\"\" class=\"wp-image-3868 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135054-300x129.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135054-1024x440.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135054-768x330.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135054.png 1525w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/129;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Note :<\/strong><\/h3>\n\n\n\n<p>Tous les champs marqu\u00e9s d&rsquo;un&nbsp;<strong>ast\u00e9risque rouge (*)<\/strong>&nbsp;sont obligatoires.<\/p>\n\n\n\n<p><strong>Reportez-vous \u00e0 l&rsquo;image ci-dessus (D\u00e9tails).<\/strong><br>Les informations mentionn\u00e9es ci-dessous correspondent aux num\u00e9ros des champs indiqu\u00e9s.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Nom du produit de pr\u00eat<\/strong>* (Obligatoire)<\/li>\n\n\n\n<li><strong>Nom abr\u00e9g\u00e9<\/strong>* (Obligatoire)<\/li>\n\n\n\n<li><strong>Description du produit<\/strong>\u00a0(Optionnel)<\/li>\n\n\n\n<li><strong>Source de fonds<\/strong>*<br><em>\u2192 Les fonds doivent \u00eatre pr\u00e9alablement configur\u00e9s :<\/em>\u00a0<strong>G\u00e9rer les fonds<\/strong><\/li>\n\n\n\n<li><strong>Date d&rsquo;ouverture du produit<\/strong>*<\/li>\n\n\n\n<li><strong>Date de cl\u00f4ture du produit<\/strong>*<br><em>\u2192 Le produit ne pourra plus \u00eatre utilis\u00e9 apr\u00e8s cette date.<\/em><\/li>\n\n\n\n<li><strong>\u2611 Suivi des pr\u00eats souscrits par le client<\/strong><br><em>Si coch\u00e9, le syst\u00e8me enregistre le nombre de pr\u00eats souscrits par le client.<\/em><\/li>\n<\/ol>\n\n\n\n<p><strong>Devise<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"91\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135313-300x91.png\" alt=\"\" class=\"wp-image-3870 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135313-300x91.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135313-1024x311.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135313-768x233.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-135313.png 1523w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/91;\" \/><\/figure>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>S\u00e9lectionnez la devise<\/strong>* (Obligatoire)<br><em>Pr\u00e9requis<\/em>\u00a0: La devise doit \u00eatre configur\u00e9e au pr\u00e9alable dans :\u00a0<strong>Configuration des devises<\/strong><\/li>\n\n\n\n<li><strong>Nombre de d\u00e9cimales<\/strong>* (Obligatoire)\n<ul class=\"wp-block-list\">\n<li>D\u00e9finit le nombre de chiffres apr\u00e8s la virgule pour les montants<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Multiple pour les montants<\/strong>* (Obligatoire)\n<ul class=\"wp-block-list\">\n<li>Arrondit le montant total \u00e0 la valeur multiple sp\u00e9cifi\u00e9e<br><em>Exemple<\/em>\u00a0: Si 10, un montant de 1 234 sera arrondi \u00e0 1 230<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Multiple pour les \u00e9ch\u00e9ances<\/strong>* (Obligatoire)\n<ul class=\"wp-block-list\">\n<li>Arrondit chaque paiement \u00e0 la valeur multiple sp\u00e9cifi\u00e9e<br><em>Exemple<\/em>\u00a0: Si 10, une \u00e9ch\u00e9ance de 247 sera arrondie \u00e0 250<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>Param\u00e8tre<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-2 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"186\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140125-300x186.png\" alt=\"\" class=\"wp-image-3872 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140125-300x186.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140125-1024x635.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140125-768x476.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140125.png 1425w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/186;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4-150x150.png\" alt=\"\" class=\"wp-image-3794 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4-150x150.png 150w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4.png 225w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"188\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140152-300x188.png\" alt=\"\" class=\"wp-image-3874 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140152-300x188.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140152-1024x641.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140152-768x481.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140152.png 1424w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/188;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4-150x150.png\" alt=\"\" class=\"wp-image-3794 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4-150x150.png 150w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4.png 225w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"114\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140220-300x114.png\" alt=\"\" class=\"wp-image-3876 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140220-300x114.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140220-1024x388.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140220-768x291.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-140220.png 1416w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/114;\" \/><\/figure>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>.<\/strong> Param\u00e8tres d&rsquo;Amortissement et de Remboursement<\/h4>\n\n\n\n<p><strong> M\u00e9thode d&rsquo;Amortissement<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c9ch\u00e9ances constantes<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Tous les remboursements ont le m\u00eame montant total<\/li>\n\n\n\n<li>La part du capital et des int\u00e9r\u00eats varie \u00e0 chaque \u00e9ch\u00e9ance<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Capital constant<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Le capital rembours\u00e9 est identique \u00e0 chaque \u00e9ch\u00e9ance<\/li>\n\n\n\n<li>Le montant total et la part des int\u00e9r\u00eats varient<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. M\u00e9thode de Calcul des Int\u00e9r\u00eats<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Int\u00e9r\u00eats fixes<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Calcul\u00e9s une fois sur le capital initial<\/li>\n\n\n\n<li>Voir formule :\u00a0<em>Calcul des int\u00e9r\u00eats fixes<\/em><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Solde d\u00e9gressif<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Calcul\u00e9s p\u00e9riodiquement sur le capital restant d\u00fb<\/li>\n\n\n\n<li>Voir formule :\u00a0<em>Calcul des int\u00e9r\u00eats d\u00e9croissants<\/em><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Strat\u00e9gie de Remboursement<\/strong><\/h4>\n\n\n\n<p>D\u00e9termine l&rsquo;ordre de paiement des composantes (capital, int\u00e9r\u00eats, frais).<br><em>Plus d&rsquo;infos :<\/em>&nbsp;<strong>Champs des Produits de Pr\u00eat &#8211; Strat\u00e9gie de Remboursement<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>4. P\u00e9riode de Calcul des Int\u00e9r\u00eats<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quotidien<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Calcul journalier bas\u00e9 sur le calendrier r\u00e9el (ex. : 28 jours en f\u00e9vrier)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Identique \u00e0 la p\u00e9riode de remboursement<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Calcul mensuel standard (30 jours)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Options Avanc\u00e9es<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>5. Moratoire (Optionnel)<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sur le capital<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Ex. : 6 mois \u2192 Paiement des int\u00e9r\u00eats uniquement pendant 6 mois<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Sur les int\u00e9r\u00eats<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Ex. : 6 mois \u2192 Paiement du capital uniquement pendant 6 mois<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>6. P\u00e9riode sans int\u00e9r\u00eats (Optionnel)<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ex. : 4 semaines \u2192 Aucun int\u00e9r\u00eat \u00e0 payer, seul le capital est d\u00fb<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>7. Tol\u00e9rance aux Arri\u00e9r\u00e9s (Optionnel)<\/strong><\/h4>\n\n\n\n<p>D\u00e9finissez un seuil pour \u00e9viter qu&rsquo;un pr\u00eat ne soit class\u00e9 \u00ab\u00a0en arri\u00e9r\u00e9s\u00a0\u00bb si le retard est minime.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>8. Jours de l&rsquo;Ann\u00e9e<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9el<\/strong>\u00a0: Bas\u00e9 sur le calendrier<\/li>\n\n\n\n<li><strong>360\/364\/365 jours<\/strong>\u00a0: Standards financiers<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>9. Jours du Mois<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9el<\/strong>\u00a0: Bas\u00e9 sur le calendrier<\/li>\n\n\n\n<li><strong>30 jours<\/strong>\u00a0: Standard financier<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>10. Montant Fixe des \u00c9ch\u00e9ances (Optionnel)<\/strong><\/h4>\n\n\n\n<p>Activez pour ajuster manuellement le montant des \u00e9ch\u00e9ances.<br><em>Ex. :<\/em>&nbsp;Ajustement de 107\u20ac \u00e0 105\u20ac avec recalcul automatique du plan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>11. Seuils de D\u00e9lai<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Jours avant arri\u00e9r\u00e9s<\/strong>\u00a0(Optionnel)<\/li>\n\n\n\n<li><strong>Jours avant cr\u00e9ance douteuse (NPA)<\/strong>\u00a0(Optionnel)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>12. Sortie du Statut NPA<\/strong><\/h4>\n\n\n\n<p>\u2611 Le pr\u00eat ne sort du statut NPA qu&rsquo;apr\u00e8s le paiement int\u00e9gral des arri\u00e9r\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>13. Seuil de Capital pour la Derni\u00e8re \u00c9ch\u00e9ance (%)<\/strong><\/h4>\n\n\n\n<p>D\u00e9finit le pourcentage r\u00e9siduel autoris\u00e9 pour le dernier paiement.<\/p>\n\n\n\n<p><strong>Recalcul des Int\u00e9r\u00eats<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"111\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-141837-1024x111.png\" alt=\"\" class=\"wp-image-3878 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-141837-1024x111.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-141837-300x32.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-141837-768x83.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-141837.png 1426w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/111;\" \/><\/figure>\n\n\n\n<p><em>En cochant la case\u00a0<strong>\u00ab\u00a0Recalculer les int\u00e9r\u00eats\u00a0\u00bb<\/strong>, vous activez le recalcul automatique des int\u00e9r\u00eats. Pour plus d&rsquo;informations, consultez la section\u00a0<strong>Recalcul du montant des int\u00e9r\u00eats pour les comptes de pr\u00eat<\/strong>.<\/em><\/p>\n\n\n\n<p><strong>Exigences de garantie<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"190\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142139-300x190.png\" alt=\"\" class=\"wp-image-3880 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142139-300x190.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142139-1024x647.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142139-768x486.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142139.png 1417w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/190;\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Gel des Fonds de Garantie<\/strong><\/h4>\n\n\n\n<p>\u2611&nbsp;<strong>\u00ab\u00a0Placer les fonds de garantie en attente\u00a0\u00bb<\/strong><br>En cochant cette case, les fonds de garantie seront bloqu\u00e9s jusqu\u2019\u00e0 la finalisation du pr\u00eat.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Exigences de Garantie<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Garantie obligatoire (%)<\/strong>\u00a0:<br><em>Pourcentage minimum du montant du pr\u00eat \u00e0 couvrir par une garantie.<\/em><br><strong>Exemple<\/strong>\u00a0: 20% \u2192 Pour un pr\u00eat de 10 000\u20ac, garantie requise = 2 000\u20ac.<\/li>\n\n\n\n<li><strong>Garantie minimale via fonds propres (%)<\/strong>\u00a0:<br><em>Part devant provenir des fonds personnels de l\u2019emprunteur.<\/em><br><strong>Exemple<\/strong>\u00a0: 10% \u2192 1 000\u20ac sur les 2 000\u20ac doivent \u00eatre des fonds propres.<\/li>\n\n\n\n<li><strong>Garantie minimale via garant ext\u00e9rieur (%)<\/strong>\u00a0:<br><em>Part pouvant provenir d\u2019un tiers garant.<\/em><br><strong>Exemple<\/strong>\u00a0: 10% \u2192 1 000\u20ac sur les 2 000\u20ac peuvent \u00eatre couverts par un garant.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Note<\/strong>&nbsp;: Pour les pr\u00eats&nbsp;<strong>tranches<\/strong>, renseignez ces champs pour finaliser la cr\u00e9ation du produit.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. D\u00e9caissements Multiples<\/strong><\/h4>\n\n\n\n<p>\u2611&nbsp;<strong>\u00ab\u00a0Activer les d\u00e9caissements multiples\u00a0\u00bb<\/strong><br>Cochez cette case pour autoriser plusieurs versements \u00e9chelonn\u00e9s.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nombre maximal de d\u00e9caissements<\/strong>\u00a0:<br><em>Limite le nombre de tranches de d\u00e9blocage.<\/em><br><strong>Exemple<\/strong>\u00a0: 5 \u2192 Le pr\u00eat pourra \u00eatre d\u00e9caiss\u00e9 en 5 fois maximum.<\/li>\n\n\n\n<li><strong>Solde restant d\u00fb maximal autoris\u00e9<\/strong>\u00a0:<br><em>Plafond du montant impay\u00e9 \u00e0 tout moment.<\/em><br><strong>Exemple<\/strong>\u00a0: 15 000\u20ac \u2192 Le solde du pr\u00eat ne pourra jamais d\u00e9passer ce montant.<\/li>\n<\/ul>\n\n\n\n<p><strong>Conditions et param\u00e8tres configurables<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"297\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142603-1024x297.png\" alt=\"\" class=\"wp-image-3882 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142603-1024x297.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142603-300x87.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142603-768x223.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142603.png 1419w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/297;\" \/><\/figure>\n\n\n\n<p>\u2611&nbsp;<strong>\u00ab\u00a0Autoriser la modification des termes et param\u00e8tres dans les comptes de pr\u00eat\u00a0\u00bb<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Activ\u00e9 par d\u00e9faut<\/em>\u00a0: Les conseillers peuvent ajuster manuellement certaines conditions (montant, dur\u00e9e, etc.) lors de la cr\u00e9ation d\u2019un compte de pr\u00eat.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. D\u00e9sactivation<\/strong><\/h4>\n\n\n\n<p>\u25fb&nbsp;<strong>D\u00e9cochez cette case<\/strong>&nbsp;pour :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bloquer toute modification des param\u00e8tres d\u00e9finis au niveau du produit.<\/li>\n\n\n\n<li>Appliquer strictement les r\u00e8gles initiales \u00e0 tous les comptes.<\/li>\n<\/ul>\n\n\n\n<p><strong>Termes<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"190\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142857-300x190.png\" alt=\"\" class=\"wp-image-3886 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142857-300x190.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142857-1024x648.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142857-768x486.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142857.png 1421w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/190;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4-150x150.png\" alt=\"\" class=\"wp-image-3794 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4-150x150.png 150w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2024\/08\/images-4.png 225w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"79\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142911-300x79.png\" alt=\"\" class=\"wp-image-3888 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142911-300x79.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142911-1024x270.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142911-768x202.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-142911.png 1409w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/79;\" \/><\/figure>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Section A : D\u00e9finition des conditions de pr\u00eat standard<\/strong><\/h3>\n\n\n\n<p><strong>Note<\/strong>&nbsp;: Si votre produit de pr\u00eat est bas\u00e9 sur un cycle d&#8217;emprunt, passez \u00e0 la&nbsp;<strong>Section B<\/strong>.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Montant du capital (pr\u00eat)<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Par d\u00e9faut<\/strong>\u00a0(obligatoire) : Montant standard propos\u00e9<\/li>\n\n\n\n<li><strong>Minimum\/Maximum<\/strong>\u00a0(optionnels) : Bornes autoris\u00e9es<br><em>Exemple<\/em>\u00a0:<br>Min : 5 000 \u20ac | D\u00e9faut : 10 000 \u20ac | Max : 15 000 \u20ac<br><em>\u2192 Le montant par d\u00e9faut s&rsquo;affichera au niveau du compte de pr\u00eat.<\/em><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Nombre de remboursements<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Par d\u00e9faut<\/strong>\u00a0(obligatoire)<\/li>\n\n\n\n<li><strong>Min\/Max<\/strong>\u00a0(optionnels) : Limites du nombre d&rsquo;\u00e9ch\u00e9ances<br><em>Exemple<\/em>\u00a0:<br>Min : 5 | D\u00e9faut : 10 | Max : 15<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Taux d&rsquo;int\u00e9r\u00eat<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Par d\u00e9faut<\/strong>\u00a0(obligatoire)<\/li>\n\n\n\n<li><strong>Min\/Max<\/strong>\u00a0(optionnels) : Fourchette autoris\u00e9e<br><em>Exemple<\/em>\u00a0:<br>Min : 18 % | D\u00e9faut : 22 % | Max : 24 %<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>P\u00e9riodicit\u00e9 du taux<\/strong><br>S\u00e9lectionnez\u00a0<strong>Par mois<\/strong>\u00a0ou\u00a0<strong>Par an<\/strong>.<br><em>Exemple<\/em>\u00a0: Par an<\/li>\n\n\n\n<li><strong>Fr\u00e9quence de remboursement<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Valeur<\/strong>\u00a0:\u00a0<em>Exemple<\/em>\u00a0: 1<\/li>\n\n\n\n<li><strong>Unit\u00e9<\/strong>\u00a0: Jour\/Semaine\/Bi-hebdomadaire\/Mois<br><em>Exemple<\/em>\u00a0: Semaine<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>D\u00e9lai minimal d\u00e9caissement \u2192 1er remboursement<\/strong>\u00a0(optionnel)<br><em>Exemple<\/em>\u00a0: 10 jours \u2192 Si d\u00e9caissement le 1er janvier, le 1er remboursement sera report\u00e9 au 11 janvier (au lieu du 8).<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Section B : Pr\u00eat bas\u00e9 sur un cycle d&#8217;emprunt<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u2611\u00a0<strong>Cochez \u00ab\u00a0Conditions variables par cycle d&#8217;emprunt\u00a0\u00bb<\/strong><\/li>\n\n\n\n<li><strong>D\u00e9finissez le capital par cycle<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Cliquez sur\u00a0<strong>Ajouter<\/strong><\/li>\n\n\n\n<li><em>Exemples<\/em>\u00a0:\n<ul class=\"wp-block-list\">\n<li><strong>Cycle 1<\/strong>\u00a0: \u00ab\u00a0\u00c9gal \u00e0\u00a0\u00bb \u2192 Capital = 10 000 \u20ac<\/li>\n\n\n\n<li><strong>Cycle 2+<\/strong>\u00a0: \u00ab\u00a0Sup\u00e9rieur \u00e0\u00a0\u00bb \u2192 Capital = 20 000 \u20ac\u00a0<em>(toujours utilis\u00e9 pour le dernier cycle)<\/em><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>D\u00e9finissez le nombre de remboursements par cycle<\/strong>\u00a0(m\u00e9thode identique).<\/li>\n\n\n\n<li><strong>Compl\u00e9tez<\/strong>\u00a0avec les \u00e9tapes 14 \u00e0 18 de la\u00a0<strong>Section A<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p><strong>Charges<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"107\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-143529-300x107.png\" alt=\"\" class=\"wp-image-3890 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-143529-300x107.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-143529-1024x364.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-143529-768x273.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-143529.png 1430w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/107;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Utilisation de la fonction \u00ab\u00a0Ajouter des frais\u00a0\u00bb<\/strong><\/h3>\n\n\n\n<p><strong>Pr\u00e9requis<\/strong>&nbsp;:<br>Pour utiliser&nbsp;<strong>\u00ab\u00a0Ajouter des frais\u00a0\u00bb<\/strong>, vous devez avoir&nbsp;<strong>pr\u00e9alablement d\u00e9fini<\/strong>&nbsp;ces frais dans la section&nbsp;<strong>\u00ab\u00a0Frais\u00a0\u00bb<\/strong>.<\/p>\n\n\n\n<p>\u27a1&nbsp;<em>Pour en savoir plus sur la configuration des frais, consultez :<\/em>&nbsp;<strong><a target=\"_blank\" rel=\"noreferrer noopener\">Frais<\/a><\/strong><\/p>\n\n\n\n<p><strong>Frais de retard<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"955\" height=\"155\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-143946.png\" alt=\"\" class=\"wp-image-3892 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-143946.png 955w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-143946-300x49.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-143946-768x125.png 768w\" data-sizes=\"(max-width: 955px) 100vw, 955px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 955px; --smush-placeholder-aspect-ratio: 955\/155;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Utilisation des p\u00e9nalit\u00e9s de retard<\/strong><\/h3>\n\n\n\n<p><strong>Pr\u00e9requis<\/strong>&nbsp;:<br>Pour ajouter une&nbsp;<strong>p\u00e9nalit\u00e9 de retard<\/strong>, vous devez l&rsquo;avoir&nbsp;<strong>pr\u00e9alablement configur\u00e9e<\/strong>&nbsp;dans la section&nbsp;<strong>Frais<\/strong>.<\/p>\n\n\n\n<p>\u27a1&nbsp;<em>Pour plus de d\u00e9tails, consultez :<\/em>&nbsp;<strong><a target=\"_blank\" rel=\"noreferrer noopener\">Gestion des frais<\/a><\/strong><\/p>\n\n\n\n<p><strong>Comptabilit\u00e9<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"27\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144418-300x27.png\" alt=\"\" class=\"wp-image-3894 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144418-300x27.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144418-1024x93.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144418-768x70.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144418.png 1233w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/27;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Configuration Comptable des Produits de Pr\u00eat<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Param\u00e8tre par D\u00e9faut<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Comptabilit\u00e9 d\u00e9sactiv\u00e9e (\u00ab\u00a0Aucun\u00a0\u00bb)<\/strong>\u00a0:<br><em>Aucune \u00e9criture comptable<\/em>\u00a0ne sera g\u00e9n\u00e9r\u00e9e pour les transactions (d\u00e9caissements, remboursements, etc.).<br><em>\u2192 Utilis\u00e9 pour des tests ou produits non int\u00e9gr\u00e9s \u00e0 la comptabilit\u00e9.<\/em><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Activation de la Comptabilit\u00e9<\/strong><\/h4>\n\n\n\n<p><strong>Pr\u00e9requis<\/strong>&nbsp;:<br>\u2714&nbsp;<strong>Plan de comptes<\/strong>&nbsp;d\u00e9j\u00e0 configurr\u00e9.<br><em>Guide :<\/em>&nbsp;<a href=\"https:\/\/https\/docs\/accounting\/chart-of-accounts\/how-to-create-a-chart-of-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cr\u00e9er un plan de comptes<\/a><\/p>\n\n\n\n<p><strong>\u00c9tapes<\/strong>&nbsp;:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>S\u00e9lectionnez un type de comptabilit\u00e9<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li><strong>Esp\u00e8ces<\/strong>\u00a0: Enregistrement imm\u00e9diat des flux<\/li>\n\n\n\n<li><strong>Exercice (p\u00e9riodique)<\/strong>\u00a0: Report des produits\/charges \u00e0 leur p\u00e9riode<\/li>\n\n\n\n<li><strong>Exercice (initial)<\/strong>\u00a0: Comptabilisation anticip\u00e9e des int\u00e9r\u00eats<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Associez les comptes<\/strong>\u00a0:<br><em>Exemples<\/em>\u00a0:\n<ul class=\"wp-block-list\">\n<li>\u00ab\u00a0Capital pr\u00eat\u00a0\u00bb \u2192 Compte d&rsquo;actif<\/li>\n\n\n\n<li>\u00ab\u00a0Int\u00e9r\u00eats \u00e0 recevoir\u00a0\u00bb \u2192 Compte de produit<br><em>R\u00e9f\u00e9rence :<\/em>\u00a0<a target=\"_blank\" rel=\"noreferrer noopener\">Sp\u00e9cifications comptables pour les pr\u00eats<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"188\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144952-300x188.png\" alt=\"\" class=\"wp-image-3896 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144952-300x188.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144952-1024x640.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144952-768x480.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-144952.png 1422w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/188;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>R\u00e8gle Comptable Avanc\u00e9e<\/strong><\/h3>\n\n\n\n<p>En cliquant sur le bouton&nbsp;<strong>\u00ab\u00a0Afficher\u00a0\u00bb<\/strong>, vous activez les&nbsp;<strong>r\u00e8gles comptables avanc\u00e9es<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1018\" height=\"335\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145315.png\" alt=\"\" class=\"wp-image-3898 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145315.png 1018w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145315-300x99.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145315-768x253.png 768w\" data-sizes=\"(max-width: 1018px) 100vw, 1018px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1018px; --smush-placeholder-aspect-ratio: 1018\/335;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Configuration des R\u00e8gles Comptables Avanc\u00e9es<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Ajout de R\u00e8gles<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cliquez sur le bouton\u00a0<strong>\u00ab\u00a0Ajouter\u00a0\u00bb<\/strong>\u00a0pour afficher les menus d\u00e9roulants de configuration.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Param\u00e9trage Requis<\/strong><\/h4>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Configurer les Sources de Fonds par Canal de Paiement<\/strong><br><em>Exemple<\/em>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Type de paiement :\u00a0<strong>Ch\u00e8que<\/strong>\u00a0\u2192 Source de fonds :\u00a0<strong>Banque<\/strong><br><em>\u2192 Les transactions par ch\u00e8que g\u00e9n\u00e9reront des \u00e9critures au compte Banque.<\/em><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Associer les Frais aux Comptes de Revenus<\/strong><br><em>Exemple<\/em>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Frais de dossier \u2192 Compte \u00ab\u00a0Revenus des frais\u00a0\u00bb<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Associer les P\u00e9nalit\u00e9s \u00e0 des Comptes de Revenus Sp\u00e9cifiques<\/strong><br><em>Exemple<\/em>\u00a0:\n<ul class=\"wp-block-list\">\n<li>P\u00e9nalit\u00e9 de retard \u2192 Compte \u00ab\u00a0Revenus des p\u00e9nalit\u00e9s\u00a0\u00bb<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Finalisation<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cliquez sur\u00a0<strong>\u00ab\u00a0Soumettre\u00a0\u00bb<\/strong>\u00a0pour enregistrer\/cr\u00e9er le produit de pr\u00eat.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Visualisation des Produits de Pr\u00eat<\/strong><\/h3>\n\n\n\n<p><strong>Navigation<\/strong>&nbsp;:<br><code>Administration &gt; Produits &gt; Produits de Pr\u00eat<\/code><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"334\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145657-1024x334.png\" alt=\"\" class=\"wp-image-3900 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145657-1024x334.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145657-300x98.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145657-768x251.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145657.png 1366w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/334;\" \/><\/figure>\n\n\n\n<p>Dans l&rsquo;image ci-dessus, vous trouverez la liste des produits de pr\u00eat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Modification d&rsquo;un Produit de Pr\u00eat<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Proc\u00e9dure :<\/strong><\/h4>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Navigation<\/strong>\u00a0:<br><code>Administration > Produits > Produits de Pr\u00eat<\/code><\/li>\n\n\n\n<li><strong>S\u00e9lection<\/strong>\u00a0:<br>Choisissez le produit \u00e0 modifier\u00a0<em>(ex : \u00ab\u00a0Pr\u00eat Agricole\u00a0\u00bb)<\/em><\/li>\n\n\n\n<li><strong>\u00c9dition<\/strong>\u00a0:<br>Cliquez sur le bouton\u00a0<strong>\u00ab\u00a0Modifier\u00a0\u00bb<\/strong><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"628\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145922-1024x628.png\" alt=\"\" class=\"wp-image-3902 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145922-1024x628.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145922-300x184.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145922-768x471.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-24-145922.png 1298w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/628;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Fonctionnalit\u00e9s de Gestion des Produits de Pr\u00eat dans Phenix<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Visualisation et \u00c9dition<\/strong><\/h4>\n\n\n\n<p>Comme illustr\u00e9 dans l&rsquo;image ci-dessus :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Consultation<\/strong>\u00a0: Affichez les d\u00e9tails complets des produits de pr\u00eat<\/li>\n\n\n\n<li><strong>Modification<\/strong>\u00a0: Utilisez le bouton\u00a0<em>\u00c9diter<\/em>\u00a0pour ajuster les param\u00e8tres<\/li>\n<\/ul>\n\n\n\n<p><em>Exemple<\/em>&nbsp;:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Modifier le taux d&rsquo;int\u00e9r\u00eat d&rsquo;un \u00ab\u00a0Pr\u00eat Agricole\u00a0\u00bb directement depuis cette interface.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Restrictions des Combinaisons de Pr\u00eats<\/strong><\/h4>\n\n\n\n<p><strong>Fonctionnalit\u00e9 \u00ab\u00a0Product Mix\u00a0\u00bb<\/strong>&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Permet de\u00a0<strong>bloquer les combinaisons de pr\u00eats non autoris\u00e9es<\/strong>\u00a0par votre institution<\/li>\n\n\n\n<li>Configurez des r\u00e8gles personnalis\u00e9es pour :\n<ul class=\"wp-block-list\">\n<li>Limiter le nombre de pr\u00eats simultan\u00e9s<\/li>\n\n\n\n<li>Interdire certains produits cumulables<\/li>\n\n\n\n<li>Imposer des conditions sp\u00e9cifiques<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Messages d&rsquo;Erreur Cl\u00e9s<\/h3>\n\n\n\n<p>Un&nbsp;<strong>compte de pr\u00eat<\/strong>&nbsp;repr\u00e9sente une instance sp\u00e9cifique d&rsquo;un produit de pr\u00eat, caract\u00e9ris\u00e9e par :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un\u00a0<strong>taux d&rsquo;int\u00e9r\u00eat d\u00e9fini<\/strong><\/li>\n\n\n\n<li>Un\u00a0<strong>num\u00e9ro de compte unique<\/strong><\/li>\n\n\n\n<li>Un\u00a0<strong>client propri\u00e9taire<\/strong>\u00a0(emprunteur) au sein de l&rsquo;institution financi\u00e8re<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un produit de pr\u00eat d\u00e9finit les r\u00e8gles, param\u00e8tres par d\u00e9faut et contraintes des offres de cr\u00e9dit d&rsquo;une institution financi\u00e8re. Il sert de mod\u00e8le [&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-3850","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\/3850"}],"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=3850"}],"version-history":[{"count":0,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/docs\/3850\/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=3850"}],"wp:term":[{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/doc_tag?post=3850"},{"taxonomy":"doc_badge","embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/doc_badge?post=3850"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}