{"id":23,"date":"2026-08-14T09:24:06","date_gmt":"2026-08-14T07:24:06","guid":{"rendered":"https:\/\/afr-la-rochelle.fr\/index.php\/leasing-materiel\/"},"modified":"2026-08-14T11:38:52","modified_gmt":"2026-08-14T09:38:52","slug":"leasing-materiel","status":"publish","type":"page","link":"https:\/\/afr-la-rochelle.fr\/index.php\/leasing-materiel\/","title":{"rendered":"Leasing mat\u00e9riel"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"23\" class=\"elementor elementor-23\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21578f8 elementor-section-boxed afr-page-head elementor-section-height-default elementor-section-height-default\" data-id=\"21578f8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-910db42\" data-id=\"910db42\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a25a7df afr-fil elementor-widget elementor-widget-text-editor\" data-id=\"a25a7df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/afr-la-rochelle.fr\/\">Accueil<\/a> \u203a Leasing mat\u00e9riel<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d24072 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"8d24072\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Leasing &amp; LOA<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c92a2f5 elementor-widget elementor-widget-heading\" data-id=\"c92a2f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Leasing et financement de mat\u00e9riel professionnel \u00e0 La Rochelle<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d8b4c8 afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"2d8b4c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>V\u00e9hicules, machines, \u00e9quipements m\u00e9dicaux, informatique ou mat\u00e9riel nautique : \u00e9quipez-vous sans mobiliser votre tr\u00e9sorerie ni vos lignes bancaires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8247ee2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8247ee2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7a6178d\" data-id=\"7a6178d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-927175f afr-b-accent elementor-widget elementor-widget-button\" data-id=\"927175f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/[afr_url%20slug=contact]\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Je parle de mon projet<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7bfb30a\" data-id=\"7bfb30a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3201847 afr-b-contour elementor-widget elementor-widget-button\" data-id=\"3201847\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+33546514480\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">05 46 51 44 80<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4fb9274 elementor-section-boxed afr-illustration elementor-section-height-default elementor-section-height-default\" data-id=\"4fb9274\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a97413e\" data-id=\"a97413e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3bc3ef0 elementor-widget elementor-widget-shortcode\" data-id=\"3bc3ef0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><figure class=\"afr-illus\"><img loading=\"lazy\" class=\"afr-illus__img\" src=\"https:\/\/afr-la-rochelle.fr\/wp-content\/plugins\/afr-outils\/assets\/img\/photo-leasing-materiel.jpg\" alt=\"Mat\u00e9riel professionnel financ\u00e9 en cr\u00e9dit-bail\" width=\"1600\" height=\"720\" loading=\"lazy\" decoding=\"async\"><\/figure><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0c0aa5 afr-legende elementor-widget elementor-widget-text-editor\" data-id=\"b0c0aa5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Un accord de cr\u00e9dit-bail tombe souvent en 48 \u00e0 72 heures, devis en main.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e1ac72e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e1ac72e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-60 elementor-top-column elementor-element elementor-element-423f4be\" data-id=\"423f4be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-205c8a6 elementor-widget elementor-widget-heading\" data-id=\"205c8a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financer l'usage plut\u00f4t que la propri\u00e9t\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7ce91a elementor-widget elementor-widget-text-editor\" data-id=\"f7ce91a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le cr\u00e9dit-bail mobilier et la location avec option d&rsquo;achat permettent d&rsquo;\u00e9quiper votre entreprise sans mobiliser votre tr\u00e9sorerie ni votre capacit\u00e9 d&rsquo;endettement bancaire classique. L&rsquo;organisme ach\u00e8te le mat\u00e9riel et vous le loue ; vous l&rsquo;exploitez d\u00e8s le premier jour.<\/p><p>C&rsquo;est la voie la plus rapide pour un investissement d&rsquo;\u00e9quipement : un accord tombe fr\u00e9quemment sous <strong>48 \u00e0 72 heures<\/strong>, contre plusieurs semaines pour un cr\u00e9dit amortissable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9504697 elementor-widget elementor-widget-heading\" data-id=\"9504697\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les mat\u00e9riels que je finance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b48823 afr-checks elementor-widget elementor-widget-text-editor\" data-id=\"9b48823\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>V\u00e9hicules utilitaires, flottes, poids lourds, engins de chantier<\/li><li>Machines-outils, lignes de production, mat\u00e9riel de manutention<\/li><li>\u00c9quipements m\u00e9dicaux, dentaires et de kin\u00e9sith\u00e9rapie<\/li><li>Mat\u00e9riel informatique, serveurs, licences et solutions logicielles<\/li><li>\u00c9quipements de cuisine professionnelle et agencement de CHR<\/li><li>Mat\u00e9riel nautique, outillage de chantier naval, \u00e9quipements portuaires<\/li><li>Panneaux photovolta\u00efques et \u00e9quipements de transition \u00e9nerg\u00e9tique<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-40 elementor-top-column elementor-element elementor-element-eb758f2\" data-id=\"eb758f2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8fd77dd elementor-widget elementor-widget-heading\" data-id=\"8fd77dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit-bail ou LOA ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da527ff afr-checks elementor-widget elementor-widget-text-editor\" data-id=\"da527ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Cr\u00e9dit-bail mobilier<\/strong> \u2014 option d&rsquo;achat faible en fin de contrat, le bien sort du bilan, loyers d\u00e9ductibles<\/li><li><strong>Location avec option d&rsquo;achat<\/strong> \u2014 souvent pour les v\u00e9hicules, valeur r\u00e9siduelle plus \u00e9lev\u00e9e et services associ\u00e9s<\/li><li><strong>Location financi\u00e8re<\/strong> \u2014 pas d&rsquo;option d&rsquo;achat, pertinente sur du mat\u00e9riel \u00e0 obsolescence rapide<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f3b0ef7 elementor-section-boxed afr-section--sable elementor-section-height-default elementor-section-height-default\" data-id=\"f3b0ef7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f4dfef5\" data-id=\"f4dfef5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8888353 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"8888353\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Les b\u00e9n\u00e9fices concrets<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36d6bb0 elementor-widget elementor-widget-heading\" data-id=\"36d6bb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi tant de dirigeants basculent en leasing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd9d1a6 elementor-widget elementor-widget-spacer\" data-id=\"fd9d1a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c47d2d0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c47d2d0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-510b3ba\" data-id=\"510b3ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-97a72b3 elementor-widget elementor-widget-heading\" data-id=\"97a72b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tr\u00e9sorerie pr\u00e9serv\u00e9e<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-495aada elementor-widget elementor-widget-text-editor\" data-id=\"495aada\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Financement jusqu&rsquo;\u00e0 100 % TTC du mat\u00e9riel, sans apport dans la majorit\u00e9 des dossiers. La TVA est \u00e9tal\u00e9e sur les loyers plut\u00f4t qu&rsquo;avanc\u00e9e en une fois.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a3702dd\" data-id=\"a3702dd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-274cb10 elementor-widget elementor-widget-heading\" data-id=\"274cb10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Capacit\u00e9 bancaire intacte<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c64ee98 elementor-widget elementor-widget-text-editor\" data-id=\"c64ee98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le leasing s&rsquo;appuie sur la valeur du mat\u00e9riel financ\u00e9. Vous conservez vos lignes bancaires pour vos besoins d&rsquo;exploitation et vos projets immobiliers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7cf4ef1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cf4ef1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f15ce9a\" data-id=\"f15ce9a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3f69dc elementor-widget elementor-widget-heading\" data-id=\"e3f69dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Traitement comptable simple<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d19921 elementor-widget elementor-widget-text-editor\" data-id=\"0d19921\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Les loyers passent en charges d\u00e9ductibles du r\u00e9sultat imposable. Un point \u00e0 valider avec votre expert-comptable selon votre r\u00e9gime.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-41d6944\" data-id=\"41d6944\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d9b0ce elementor-widget elementor-widget-heading\" data-id=\"5d9b0ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Renouvellement anticip\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c4d7e9 elementor-widget elementor-widget-text-editor\" data-id=\"3c4d7e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En fin de contrat : lever l&rsquo;option pour un montant r\u00e9siduel faible, restituer le bien ou repartir sur du mat\u00e9riel neuf sans rupture d&rsquo;activit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b0b4f59 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b0b4f59\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27ae452\" data-id=\"27ae452\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-498891f afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"498891f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Ma valeur ajout\u00e9e<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a908862 elementor-widget elementor-widget-heading\" data-id=\"a908862\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ne signez pas le financement de votre fournisseur sans le comparer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cc0cee afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"3cc0cee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le concessionnaire propose presque toujours une solution \u00ab maison \u00bb. Elle est pratique, rarement la moins ch\u00e8re.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b13acfd elementor-widget elementor-widget-spacer\" data-id=\"b13acfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c75f87c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c75f87c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33.33 elementor-top-column elementor-element elementor-element-236ce1f\" data-id=\"236ce1f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b290dff elementor-widget elementor-widget-heading\" data-id=\"b290dff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Je recalcule le co\u00fbt r\u00e9el<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b6b479 elementor-widget elementor-widget-text-editor\" data-id=\"7b6b479\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Loyer affich\u00e9, premier loyer major\u00e9, valeur r\u00e9siduelle, frais de dossier et de gestion, assurances impos\u00e9es : je ram\u00e8ne tout \u00e0 un co\u00fbt total sur la dur\u00e9e, seul chiffre comparable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.33 elementor-top-column elementor-element elementor-element-c8a74ab\" data-id=\"c8a74ab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1a04e1 elementor-widget elementor-widget-heading\" data-id=\"d1a04e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Je mets en concurrence<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36df232 elementor-widget elementor-widget-text-editor\" data-id=\"36df232\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Je sollicite plusieurs organismes en parall\u00e8le sur le m\u00eame mat\u00e9riel et vous pr\u00e9sente un comparatif ligne \u00e0 ligne. L&rsquo;\u00e9cart atteint couramment plusieurs points.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.33 elementor-top-column elementor-element elementor-element-793dcd7\" data-id=\"793dcd7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-222d255 elementor-widget elementor-widget-heading\" data-id=\"222d255\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Je lis les clauses<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-982bc6e elementor-widget elementor-widget-text-editor\" data-id=\"982bc6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dur\u00e9e d&rsquo;engagement ferme, r\u00e9siliation anticip\u00e9e, p\u00e9nalit\u00e9s de restitution, plafonds kilom\u00e9triques, obligations d&rsquo;entretien : ce sont ces lignes qui co\u00fbtent cher en fin de contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a2ccf2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a2ccf2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-722f99d\" data-id=\"722f99d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7c6c7db elementor-section-boxed afr-cta elementor-section-height-default elementor-section-height-default\" data-id=\"7c6c7db\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-346eea1\" data-id=\"346eea1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b0a992e elementor-widget elementor-widget-heading\" data-id=\"b0a992e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un mat\u00e9riel \u00e0 financer ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c37213 elementor-widget elementor-widget-text-editor\" data-id=\"4c37213\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Envoyez-moi le devis de votre fournisseur : je le compare \u00e0 plusieurs offres de cr\u00e9dit-bail et vous dis en 48 h ce que vous pouvez gagner.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-986e3ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"986e3ef\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3043b00\" data-id=\"3043b00\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f246c67 afr-b-accent elementor-align-right elementor-widget elementor-widget-button\" data-id=\"f246c67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+33546514480\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">05 46 51 44 80<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3ba91a9\" data-id=\"3ba91a9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8685c4d afr-b-fantome elementor-align-left elementor-widget elementor-widget-button\" data-id=\"8685c4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:la-rochelle@afrfinancement.fr\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">la-rochelle@afrfinancement.fr<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-23","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/comments?post=23"}],"version-history":[{"count":1,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/23\/revisions"}],"predecessor-version":[{"id":44,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/23\/revisions\/44"}],"wp:attachment":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/media?parent=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}