{"id":1107,"date":"2025-08-28T06:47:33","date_gmt":"2025-08-28T04:47:33","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/"},"modified":"2025-08-28T06:47:33","modified_gmt":"2025-08-28T04:47:33","slug":"credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/","title":{"rendered":"Cr\u00e9dit conso : ces frais exorbitants continuent d\u2019augmenter, voici comment ne plus les payer \u201cj\u2019ai \u00e9conomis\u00e9 1 200 \u20ac en 6 mois simplement en ren\u00e9gociant\u201d"},"content":{"rendered":"<p>\u00ab Je viens de recevoir un courrier de ma banque : mes frais de dossier sur mon pr\u00eat conso ont augment\u00e9 de 30 % sans pr\u00e9avis. C\u2019est comme une double peine alors que je rembourse d\u00e9j\u00e0 chaque mois \u00bb, t\u00e9moigne Sophie, 42 ans, employ\u00e9e dans une PME lyonnaise.<\/p>\n<p>Comme elle, des milliers d\u2019emprunteurs subiraient une hausse insidieuse des frais annexes li\u00e9s aux cr\u00e9dits \u00e0 la consommation. Assurance obligatoire, frais de dossier, commissions d\u2019interm\u00e9diation\u2026 Ces postes de d\u00e9penses, souvent n\u00e9glig\u00e9s lors de la souscription, alourdiraient consid\u00e9rablement le co\u00fbt total du cr\u00e9dit.<\/p>\n<p>Pourtant, des alternatives existeraient pour contourner ces majorations et r\u00e9aliser des \u00e9conomies substantielles. Voici comment vous pourriez, vous aussi, \u00e9viter de payer ces surfacturations.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f10519ee0c0\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f10519ee0c0\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/#Des_frais_annexes_en_hausse_constante\" >Des frais annexes en hausse constante<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/#Le_cas_emblematique_de_lassurance_groupe\" >Le cas embl\u00e9matique de l\u2019assurance groupe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/#Les_frais_de_dossier_une_negociation_possible\" >Les frais de dossier : une n\u00e9gociation possible<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/#Lastuce_meconnue_du_regroupement_de_credits\" >L\u2019astuce m\u00e9connue du regroupement de cr\u00e9dits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/#Les_pieges_a_eviter_absolument\" >Les pi\u00e8ges \u00e0 \u00e9viter absolument<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/#Une_opportunite_dans_la_crise\" >Une opportunit\u00e9 dans la crise ?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Des_frais_annexes_en_hausse_constante\"><\/span>Des frais annexes en hausse constante<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D\u2019apr\u00e8s une r\u00e9cente analyse de l\u2019<a href=\"https:\/\/www.banque-france.fr\/\" target=\"_blank\" rel=\"noopener\">Observatoire de l\u2019inclusion bancaire<\/a>, les frais annexes sur les cr\u00e9dits conso auraient augment\u00e9 en moyenne de 8 % sur les douze derniers mois. Une tendance qui s\u2019expliquerait par le durcissement des conditions d\u2019octroi et la hausse des taux directeurs.<\/p>\n<p>\u00ab Les \u00e9tablissements bancaires compenseraient partiellement leur risque accru en alourdissant les frais obligatoires \u00bb, analyserait un expert financier sous couvert d\u2019anonymat. \u00ab Le probl\u00e8me, c\u2019est que ces majorations sont parfois noy\u00e9es dans des documents contractuels complexes. \u00bb<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Le_cas_emblematique_de_lassurance_groupe\"><\/span>Le cas embl\u00e9matique de l\u2019assurance groupe<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Parmi les postes les plus impact\u00e9s, l\u2019assurance emprunteur repr\u00e9senterait jusqu\u2019\u00e0 40 % du surco\u00fbt. Marc, 38 ans, en a fait l\u2019am\u00e8re exp\u00e9rience : \u00ab J\u2019ai d\u00e9couvert que mon assurance d\u00e9c\u00e8s-invalidit\u00e9 me co\u00fbtait deux fois plus cher que la moyenne du march\u00e9. La banque m\u2019avait pourtant affirm\u00e9 que c\u2019\u00e9tait obligatoire. \u00bb<\/p>\n<p>Or, depuis la loi Lagarde de 2010, tout emprunteur aurait le droit de choisir son assurance emprunteur aupr\u00e8s de l\u2019organisme de son choix. Une information que les \u00e9tablissements pr\u00eateurs ne mettraient pas toujours en avant.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Les_frais_de_dossier_une_negociation_possible\"><\/span>Les frais de dossier : une n\u00e9gociation possible<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Contrairement aux id\u00e9es re\u00e7ues, les frais de dossier ne seraient pas toujours fig\u00e9s. \u00ab J\u2019ai menac\u00e9 de retirer ma demande de pr\u00eat apr\u00e8s avoir vu les frais de dossier s\u2019\u00e9lever \u00e0 450 \u20ac \u00bb, raconte Thomas, 31 ans. \u00ab Le conseiller a finalement accept\u00e9 de les r\u00e9duire de moiti\u00e9 pour garder le dossier. \u00bb<\/p>\n<p>Cette pratique serait plus courante qu\u2019imagin\u00e9e, surtout dans un contexte de concurrence accrue entre \u00e9tablissements. Les frais de dossier moyens oscilleraient entre 1 % et 2,5 % du montant emprunt\u00e9, mais pourraient souvent \u00eatre ren\u00e9goci\u00e9s \u00e0 la baisse.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lastuce_meconnue_du_regroupement_de_credits\"><\/span>L\u2019astuce m\u00e9connue du regroupement de cr\u00e9dits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Pour les personnes d\u00e9j\u00e0 endett\u00e9es, le regroupement de cr\u00e9dits pourrait offrir une \u00e9chappatoire salvatrice. \u00ab En rachetant mes trois cr\u00e9dits conso, j\u2019ai non seulement baiss\u00e9 mon taux global, mais j\u2019ai aussi supprim\u00e9 les multiples assurances et frais annexes \u00bb, explique \u00c9lodie, 45 ans.<\/p>\n<p>Cette op\u00e9ration permettrait de mutualiser les co\u00fbts et de ren\u00e9gocier l\u2019ensemble des conditions avec un seul interlocuteur. Attention cependant aux frais de rachat eux-m\u00eames, qui devraient \u00eatre scrut\u00e9s avec attention.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Les_pieges_a_eviter_absolument\"><\/span>Les pi\u00e8ges \u00e0 \u00e9viter absolument<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Certaines pratiques resteraient \u00e0 proscrire pour ne pas alourdir la facture :<\/p>\n<ul>\n<li>Signer un contrat sans avoir compar\u00e9 les offres d\u2019assurance alternatives<\/li>\n<li>Accepter des frais de dossier sup\u00e9rieurs \u00e0 2 % du montant emprunt\u00e9<\/li>\n<li>N\u00e9gliger les clauses de p\u00e9nalit\u00e9s en cas de remboursement anticip\u00e9<\/li>\n<li>Oublier de v\u00e9rifier la possibilit\u00e9 de d\u00e9l\u00e9gation d\u2019assurance<\/li>\n<\/ul>\n<p>Le site public <a href=\"https:\/\/www.economie.gouv.fr\/particuliers\/credits-consommation\" target=\"_blank\" rel=\"noopener\">\u00c9conomie.gouv.fr<\/a> met \u00e0 disposition un comparateur officiel permettant d\u2019\u00e9valuer le co\u00fbt total d\u2019un cr\u00e9dit, frais inclus.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Une_opportunite_dans_la_crise\"><\/span>Une opportunit\u00e9 dans la crise ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Paradoxalement, cette inflation des frais annexes inciterait les emprunteurs \u00e0 se montrer plus vigilants. \u00ab Les clients deviennent plus exigeants et mieux inform\u00e9s \u00bb, constaterait un courtier en cr\u00e9dit. \u00ab Beaucoup r\u00e9clament d\u00e9sormais la d\u00e9composition d\u00e9taill\u00e9e de tous les frais avant signature. \u00bb<\/p>\n<p>Cette transparence accrue b\u00e9n\u00e9ficierait in fine \u00e0 l\u2019ensemble du march\u00e9, poussant les \u00e9tablissements \u00e0 revoir leurs pratiques et \u00e0 justifier leurs tarifications.<\/p>\n<p>Si vous faites face \u00e0 une hausse injustifi\u00e9e de vos frais de cr\u00e9dit conso, sachez que des recours existent. La m\u00e9diation bancaire et les associations de consommateurs constituent des relais pr\u00e9cieux pour faire valoir vos droits.<\/p>\n<p>Comme le rappelle Sophie : \u00ab Maintenant que je sais comment \u00e7a marche, je ne me ferai plus avoir. Mon prochain cr\u00e9dit, je le n\u00e9gocierai point par point. \u00bb Une r\u00e9solution qui pourrait inspirer des milliers d\u2019emprunteurs\u2026<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;1107&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Cr\u00e9dit conso : ces frais exorbitants continuent d\u2019augmenter, voici comment ne plus les payer \u201cj\u2019ai \u00e9conomis\u00e9 1 200 \u20ac en 6 mois simplement en ren\u00e9gociant\u201d&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00ab Je viens de recevoir un courrier de ma banque : mes frais de dossier sur mon pr\u00eat conso ont augment\u00e9 de 30 % sans pr\u00e9avis. C\u2019est comme une double peine alors que je rembourse d\u00e9j\u00e0 chaque mois \u00bb, t\u00e9moigne Sophie, 42 ans, employ\u00e9e dans une PME lyonnaise. Comme elle, des milliers d\u2019emprunteurs subiraient une &#8230; <a title=\"Cr\u00e9dit conso : ces frais exorbitants continuent d\u2019augmenter, voici comment ne plus les payer \u201cj\u2019ai \u00e9conomis\u00e9 1 200 \u20ac en 6 mois simplement en ren\u00e9gociant\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/\" aria-label=\"En savoir plus sur Cr\u00e9dit conso : ces frais exorbitants continuent d\u2019augmenter, voici comment ne plus les payer \u201cj\u2019ai \u00e9conomis\u00e9 1 200 \u20ac en 6 mois simplement en ren\u00e9gociant\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":1108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-1107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit conso : ces frais exorbitants continuent d\u2019augmenter, voici comment ne plus les payer \u201cj\u2019ai \u00e9conomis\u00e9 1 200 \u20ac en 6 mois simplement en ren\u00e9gociant\u201d - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rachat2credit.fr\/guide\/credit-conso-ces-frais-exorbitants-continuent-daugmenter-voici-comment-ne-plus-les-payer-jai-economise-1-200-e-en-6-mois-simplement-en-renegociant\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit conso : ces frais exorbitants continuent d\u2019augmenter, voici comment ne plus les payer \u201cj\u2019ai \u00e9conomis\u00e9 1 200 \u20ac en 6 mois simplement en ren\u00e9gociant\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00ab Je viens de recevoir un courrier de ma banque : mes frais de dossier sur mon pr\u00eat conso ont augment\u00e9 de 30 % sans pr\u00e9avis. C\u2019est comme une double peine alors que je rembourse d\u00e9j\u00e0 chaque mois \u00bb, t\u00e9moigne Sophie, 42 ans, employ\u00e9e dans une PME lyonnaise. Comme elle, des milliers d\u2019emprunteurs subiraient une ... 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