{"id":14225,"date":"2026-09-18T14:32:37","date_gmt":"2026-09-18T14:32:37","guid":{"rendered":"https:\/\/techhub.ireti.cloud\/docs\/phenix\/gestion-des-comptes-de-pret\/produits-de-pret\/processus-des-prets-a-tranches\/"},"modified":"2026-09-18T14:33:27","modified_gmt":"2026-09-18T14:33:27","slug":"processus-des-prets-a-tranches","status":"publish","type":"docs","link":"https:\/\/techhub.ireti.cloud\/fr\/docs\/phenix\/gestion-des-comptes-de-pret\/produits-de-pret\/processus-des-prets-a-tranches\/","title":{"rendered":"Processus des pr\u00eats \u00e0 tranches"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Les <strong>pr\u00eats \u00e0 tranches<\/strong> sont des pr\u00eats qui sont d\u00e9caiss\u00e9s en plusieurs versements. Un exemple de pr\u00eat \u00e0 tranches est le <strong>pr\u00eat immobilier<\/strong>, dont les fonds sont d\u00e9bloqu\u00e9s en plusieurs \u00e9tapes en fonction de l\u2019avancement de la construction ou de l\u2019acquisition de la maison ou de l\u2019appartement.<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Exemple<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ach\u00e8vement des fondations du b\u00e2timent : <strong>30 %<\/strong> du montant approuv\u00e9 du pr\u00eat est d\u00e9caiss\u00e9.<\/li>\n\n\n\n<li>Ach\u00e8vement des murs du rez-de-chauss\u00e9e : <strong>30 %<\/strong> du montant approuv\u00e9 du pr\u00eat est d\u00e9caiss\u00e9.<\/li>\n\n\n\n<li>Ach\u00e8vement de la toiture : <strong>30 %<\/strong> du montant approuv\u00e9 du pr\u00eat est d\u00e9caiss\u00e9.<\/li>\n\n\n\n<li>Ach\u00e8vement des travaux de pl\u00e2trerie : les <strong>10 % restants<\/strong> du montant approuv\u00e9 du pr\u00eat sont d\u00e9caiss\u00e9s.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En g\u00e9n\u00e9ral, le <strong>montant demand\u00e9<\/strong>, le <strong>montant approuv\u00e9<\/strong> et le <strong>montant total effectivement d\u00e9caiss\u00e9<\/strong> peuvent \u00eatre diff\u00e9rents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le client peut demander un pr\u00eat de <strong>125 000<\/strong>.<\/li>\n\n\n\n<li>Le montant approuv\u00e9 peut \u00eatre de <strong>110 000<\/strong>.<\/li>\n\n\n\n<li>Le montant effectivement d\u00e9caiss\u00e9 peut \u00eatre de <strong>100 000<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 partir de l\u2019\u00e9cran principal, s\u00e9lectionnez <strong>Administration<\/strong>, puis <strong>Produits<\/strong> dans le menu d\u00e9roulant. Cela ouvrira le menu <strong>Produits<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00e9lectionnez <strong>Produits de pr\u00eat<\/strong>.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les pr\u00eats \u00e0 tranches sont des pr\u00eats qui sont d\u00e9caiss\u00e9s en plusieurs versements. Un exemple de pr\u00eat \u00e0 tranches est le pr\u00eat immobilier, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":13428,"menu_order":32,"template":"","doc_tag":[],"doc_badge":[],"class_list":["post-14225","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\/14225","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\/14225\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/docs\/13428"}],"wp:attachment":[{"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/media?parent=14225"}],"wp:term":[{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/doc_tag?post=14225"},{"taxonomy":"doc_badge","embeddable":true,"href":"https:\/\/techhub.ireti.cloud\/fr\/wp-json\/wp\/v2\/doc_badge?post=14225"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}