{"id":13214,"date":"2026-08-26T16:23:02","date_gmt":"2026-08-26T16:23:02","guid":{"rendered":"https:\/\/techhub.ireti.cloud\/docs\/phenix\/produit-de-banque\/produit-de-pret\/calcul-dinterets-fixes-methode-proportionnelle\/"},"modified":"2026-08-28T10:26:56","modified_gmt":"2026-08-28T10:26:56","slug":"calcul-dinterets-fixes-methode-proportionnelle","status":"publish","type":"docs","link":"https:\/\/techhub.ireti.cloud\/fr\/docs\/phenix\/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<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\"><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>&nbsp;= P \u00d7 (r\/100) \u00d7 n<\/li>\n\n\n\n<li><strong>\u00c9ch\u00e9ance d&rsquo;int\u00e9r\u00eats<\/strong>&nbsp;= Int\u00e9r\u00eats totaux \/ nombre de remboursements<\/li>\n\n\n\n<li><strong>\u00c9ch\u00e9ance de capital<\/strong>&nbsp;= P \/ nombre de remboursements<\/li>\n\n\n\n<li><strong>Paiement total<\/strong>&nbsp;= \u00c9ch\u00e9ance d&rsquo;int\u00e9r\u00eats + \u00c9ch\u00e9ance de capital<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Variables :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>P<\/strong>&nbsp;: Capital emprunt\u00e9<\/li>\n\n\n\n<li><strong>r<\/strong>&nbsp;: Taux d&rsquo;int\u00e9r\u00eat par p\u00e9riode (%)<\/li>\n\n\n\n<li><strong>n<\/strong>&nbsp;: Dur\u00e9e totale du pr\u00eat (en p\u00e9riodes)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Exemple:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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<\/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":13199,"menu_order":7,"template":"","doc_tag":[],"doc_badge":[],"class_list":["post-13214","docs","type-docs","status-publish","hentry"],"author_avatar":"https:\/\/secure.gravatar.com\/avatar\/64f479f88d3d63cb485afccefb55eec1f6c98d9a1cb6e792f334cee854bcdb23?s=96&d=mm&r=g","author_name":"Annick N'dri","_links":{"self":[{"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/docs\/13214","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/users\/2"}],"version-history":[{"count":0,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/docs\/13214\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/docs\/13199"}],"wp:attachment":[{"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/media?parent=13214"}],"wp:term":[{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/doc_tag?post=13214"},{"taxonomy":"doc_badge","embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/doc_badge?post=13214"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}