1) TEG réel
Le TEG inclut frais de dossier, assurances obligatoires et commissions. En Haïti, c'est le seul chiffre qui compare équitablement deux offres.
Comparer correctement aujourd'hui, c'est payer moins demain
✔ Le même montant peut coûter 15 %–35 % de plus selon le prêteur. La différence ? La méthode de comparaison.
💡 Exemple chiffré : un prêt de 100 000 (unité locale) à 18 % TEG sur 36 mois coûte ~25 500 d'intérêts. Le même prêt à 28 % TEG coûte ~42 000 — une différence de 16 500 HTG.
2) Coût total du crédit
Mensualité × nombre de mois, moins le montant emprunté. C'est le vrai coût — le chiffre à minimiser.
3) Flexibilité de remboursement
Remboursement anticipé sans pénalité ? Certaines banques l'autorisent, d'autres facturent 2 %–5 %.
4) Pression mensuelle
Gardez le total de vos mensualités en dessous de 35 % de vos revenus mensuels bruts.
5) La règle des trois offres
Obtenez au moins 3 offres (banque + coopérative/fintech + banque alternative) et comparez avec les mêmes critères.
6) Taux fixe vs variable
En zone de taux élevés, préférez le fixe. En zone de baisse, le variable gagne souvent.
⚠️ Les offres de "transfert de solde à 0 %" ne valent la peine que si vous pouvez solder avant la fin de la période promotionnelle.
Lecture complémentaire
How to Compare Loan Offers in Haiti
Comparing loan offers in Haiti is an important step before making any financial commitment. While advertised interest rates may seem attractive, it is essential to look deeper at the total cost, including all fees and conditions. Understanding the details of each offer can help you avoid surprises and choose an option that fits your budget and financial goals. Take your time to review documents, ask questions, and consider how monthly payments in gourdes (HTG) will affect your finances over time.
Look Beyond the Interest Rate
The interest rate is only one part of the cost of a loan. In Haiti, lenders may charge additional fees such as administrative charges, insurance, or early repayment penalties. These extra costs can significantly increase the total amount you repay. Always ask for the total effective cost, sometimes called the TEG (Taux Effectif Global), which combines interest and all other mandatory charges. Comparing TEGs between offers gives a clearer picture of what you will actually pay.
Understand the Terms and Repayment Conditions
Loan terms, such as the repayment period and monthly installment amount, can vary by lender. A longer term might lower your monthly payment but increase the total cost due to more interest paid over time. Check if the loan allows early repayment without penalty, and be aware of any late payment fees. Make sure you understand the schedule and what happens if you miss a payment, as this can affect your credit standing and result in extra charges.
Watch for Hidden Fees and Insurance
Some loan offers include mandatory insurance or service fees that are not always clearly advertised. These can add to your monthly payment or be deducted from the loan amount before you receive it. Always request a full breakdown of all charges in writing. If insurance is included, ask what it covers and whether it is optional or required. This transparency helps you compare offers fairly and avoid unexpected deductions.
Educational Example: Comparing Two Offers
Suppose you are offered a loan of 50,000 HTG from two different lenders. Lender A offers a 24% annual interest rate with a 2,000 HTG administrative fee. Lender B offers a 20% rate but charges a 5,000 HTG fee and includes mandatory insurance. Even though Lender B’s interest rate is lower, the higher fees and insurance may make it more expensive overall. Always calculate the total amount you will repay, including all fees, before deciding.
⚠️ Borrowing money involves long-term financial responsibility. Only commit to a loan if you are sure you can meet the monthly payments and understand all terms. Avoid offers that seem unclear or pressure you to decide quickly.
Quick checklist
- Request the total effective cost (TEG) from each lender.
- Ask for a written list of all fees, including insurance.
- Check the loan term and monthly payment in gourdes.
- Review early repayment and late payment conditions.
- Compare the total repayment amount, not just the rate.
- Read all documents carefully before signing.
Short FAQ
Why is the total effective cost (TEG) important?
The TEG includes all interest and mandatory fees, giving you a more accurate view of the real cost of the loan. This helps you compare offers fairly and avoid hidden charges.
Can I repay my loan early without penalty?
This depends on the lender. Some allow early repayment without extra charges, while others may apply a penalty. Always check the contract for these details before accepting an offer.
What should I do if I don’t understand a fee or condition?
Ask the lender to explain all terms in detail and provide written documentation. Do not sign anything until you are confident you understand all costs and obligations.