{"id":7830,"date":"2022-06-30T17:47:39","date_gmt":"2022-06-30T15:47:39","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=7830"},"modified":"2022-10-06T15:51:07","modified_gmt":"2022-10-06T13:51:07","slug":"bnp-paribas-personal-finance-la-transition-energetique-par-anticipation","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/fr\/bnp-paribas-personal-finance-la-transition-energetique-par-anticipation\/","title":{"rendered":"BNP PARIBAS PERSONAL FINANCE : la transition \u00e9nerg\u00e9tique par anticipation"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span style=\"font-family: helvetica; font-size: 14pt;\">C\u2019est finalement assez rare une banque qui adapte ses offres \u00e0 des besoins futurs. C\u2019est ce que vient de faire BNP Paribas Personal Finance avec son offre de LOA pour les v\u00e9hicules \u00e9lectriques.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Nous ne pouvons que r\u00e9sumer un\u00a0<a href=\"https:\/\/group.bnpparibas\/communique-de-presse\/bnp-paribas-personal-finance-lance-une-nouvelle-offre-de-financement-automobile-qui-concilie-pouvoir-dachat-et-enjeux-environnementaux\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>communiqu\u00e9 de presse<\/strong><\/a>\u00a0qui est tr\u00e8s explicite. La Loi Climat et R\u00e9silience, vot\u00e9e en 2021, pr\u00e9voit la mise en place au 31 d\u00e9cembre 2024, dans toutes les agglom\u00e9rations de plus de 150.000 habitants, de Zones \u00e0 faibles \u00e9missions mobilit\u00e9. Dans ces zones, \u00e0 partir du 1er janvier 2025, seuls les porteurs d\u2019une vignette Crit\u2019Air 1, 2 ou verte seront autoris\u00e9s \u00e0 rouler. Dans ces conditions, les trois quarts du parc automobile fran\u00e7ais actuel seraient exclus des m\u00e9tropoles.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Comment les m\u00e9nages vont-ils pouvoir s\u2019adapter\u00a0? Surtout les m\u00e9nages les plus modestes, expos\u00e9s \u00e0 une inflation qui risque de s\u00e9rieusement limiter leur pouvoir d\u2019achat, alors qu\u2019un v\u00e9hicule leur est souvent indispensable\u00a0?<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">BNP\u00a0Paribas Personal Finance propose une location avec option d\u2019achat pouvant s\u2019\u00e9taler jusqu\u2019\u00e0 dix ans pour un montant mensuel de moins de 150 euros, avec une faible valeur r\u00e9siduelle \u2013 l\u2019\u00e9quivalent d\u2019une mensualit\u00e9 \u2013 qui permettra de devenir propri\u00e9taire du v\u00e9hicule au terme du contrat.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-11642 entered lazyloaded\" src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/06\/239476e7a658eba7367a180962881322.jpg\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/06\/239476e7a658eba7367a180962881322.jpg 1024w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/LOA-300x83.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/LOA-768x213.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/LOA-600x166.jpg 600w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/LOA.jpg 1174w\" alt=\"\" width=\"1024\" height=\"283\" data-lazy-srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/06\/239476e7a658eba7367a180962881322.jpg 1024w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/LOA-300x83.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/LOA-768x213.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/LOA-600x166.jpg 600w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/LOA.jpg 1174w\" data-lazy-sizes=\"(max-width: 1024px) 100vw, 1024px\" data-lazy-src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/06\/239476e7a658eba7367a180962881322.jpg\" data-ll-status=\"loaded\" \/>L\u2019offre anticipe ainsi une d\u00e9pense future qui, pour beaucoup de m\u00e9nages peu au courant \u00e0 ce stade, reste encore impr\u00e9vue. Une offre qui, par ailleurs, modifiera les comportements d\u2019achat puisque les v\u00e9hicules Crit\u2019air 0 et 1 financ\u00e9s seront uniquement disponibles chez les professionnels, alors que les m\u00e9nages aux revenus modestes sont habitu\u00e9s \u00e0 acqu\u00e9rir des v\u00e9hicules d\u2019occasion, majoritairement entre particuliers.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Au total, BNP Paribas Personal Finance r\u00e9alise un v\u00e9ritable\u00a0<em><u>crossover<\/u><\/em>\u00a0: une offre qui conjugue accompagnement de la transition \u00e9nerg\u00e9tique et assistance \u00e0 la gestion des finances personnelles, planification de besoin et r\u00e9action aux \u00e9volutions du contexte \u00e9conomique. La crise qui point va-t-elle ainsi se r\u00e9v\u00e9ler d\u00e9cisive pour l\u2019\u00e9volution des relations bancaires ?<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Score Advisor<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]C\u2019est finalement assez rare une banque qui adapte ses offres \u00e0 des besoins futurs. C\u2019est ce que vient de faire BNP Paribas Personal Finance avec son offre de LOA pour les v\u00e9hicules \u00e9lectriques. Nous ne pouvons que r\u00e9sumer un\u00a0communiqu\u00e9 de presse\u00a0qui est tr\u00e8s explicite. La Loi Climat et R\u00e9silience, vot\u00e9e en 2021, pr\u00e9voit la mise [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":7831,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[137,44,139,57,446],"tags":[76],"class_list":["post-7830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","category-banque-de-detail","category-overview","category-finance-comptabilite","category-rse","tag-devlhon-consulting"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7830","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/comments?post=7830"}],"version-history":[{"count":4,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7830\/revisions"}],"predecessor-version":[{"id":8139,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7830\/revisions\/8139"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media\/7831"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media?parent=7830"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/categories?post=7830"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/tags?post=7830"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}