{"id":693,"date":"2017-10-09T11:15:00","date_gmt":"2017-10-09T09:15:00","guid":{"rendered":"http:\/\/prod.bymycar.fr\/webzine\/?p=693"},"modified":"2022-11-24T15:45:07","modified_gmt":"2022-11-24T14:45:07","slug":"avantages-inconvenients-de-loa","status":"publish","type":"post","link":"https:\/\/www.bymycar.fr\/webzine\/avantages-inconvenients-de-loa\/","title":{"rendered":"Avantages et inconv\u00e9nients de la LOA"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":763,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-achat-location-et-vente"],"acf":{"introduction":"

Alternative au cr\u00e9dit auto, la LOA se d\u00e9mocratise en France. Pour en savoir plus, d\u00e9couvrez les avantages et inconv\u00e9nients de ce mode de financement.<\/p>\n","strates":[{"type_strate":"texte-simple","ancre":"","contenu":"

Le b.a.-ba de la LOA<\/h2>\n

En raison de taux d’emprunt \u00e0 la hausse, la LOA (pour Location avec Option d’Achat) devient une alternative de plus en plus viable au cr\u00e9dit automobile classique<\/strong>. Principe de fonctionnement, avantages et inconv\u00e9nients : d\u00e9couvrez tout ce qu\u2019il faut savoir sur la LOA automobile.<\/p>\n","titre":"h1","image":false,"image_libre":false,"image_800x500":false,"legende":"","zoom":false,"texte":"","articles":false,"categorie_droite":false,"images":false,"elements_comparatif":false,"texte_1":"","texte_2":"","image_1":false,"image_1_563x400":false,"image_1_332x332":false,"image_2":false,"image_2_333x240":false,"image_2_563x400":false,"image_3":false,"image_3_333x240":false,"image_3_332x450":false,"image_4":false,"image_4_332x332":false,"image_4_563x400":false,"code_embed":"","legende_video":"","photo":false,"photo_100x100":false,"nom":"","fonction":"","elements_timeline":false,"entetes_colonnes":false,"entetes_lignes":false,"lignes":false,"introduction":"","formulaire":false,"question":"","reponse":"","libelle_bouton_lien":"","url_lien":"","questions":false,"conclusions":false,"pays":false,"region":false,"marque":false,"marqueConcessions":false,"modele":false,"ptvente":false,"typeV":false,"collection":false,"nombre_maximum_elements":10,"lien_fin_carousel":"","texte_lien_fin_carousel":"","trier_par":false},{"type_strate":"texte-simple","ancre":"","contenu":"

La LOA, comment \u00e7a marche ?<\/h2>\n

Tout comme la LLD (Location de Longue Dur\u00e9e), la LOA est l’une des formes que peut prendre le leasing automobile. Il s\u2019agit d\u2019un contrat de location d\u2019une voiture (g\u00e9n\u00e9ralement neuve), d\u2019une dur\u00e9e comprise entre 2 et 6 ans<\/strong>. \u00c0 la signature, le client doit verser un premier apport de garantie (au maximum 15% du prix total du v\u00e9hicule). Deux autres informations sont d\u00e9finies dans le contrat : le montant des mensualit\u00e9s (fixes ou variables) ainsi que le montant de l’option d’achat, permettant d’acqu\u00e9rir le v\u00e9hicule \u00e0 la fin de la p\u00e9riode de location. Durant la location, c\u2019est au locataire de prendre en charge les diff\u00e9rents services d’entretien (contr\u00f4le technique, vidange, etc.), contrairement \u00e0 une LLD. \u00c0 la fin du contrat de LOA, l’automobiliste a alors deux options : payer l’option d’achat pour devenir propri\u00e9taire du v\u00e9hicule ou souscrire une nouvelle LOA pour un autre v\u00e9hicule<\/strong>.<\/p>\n","titre":"h2","image":false,"image_libre":false,"image_800x500":false,"legende":"","zoom":false,"texte":"","articles":false,"categorie_droite":false,"images":[{"image":{"ID":760,"id":760,"title":"Your new car keys","filename":"clef-de-voiture-e1499266845586.jpg","filesize":0,"url":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/clef-de-voiture-e1499266845586.jpg","link":"https:\/\/www.bymycar.fr\/webzine\/avantages-inconvenients-de-loa\/your-new-car-keys\/","alt":"clef de voiture en concession automobile","author":"1","description":"clef de voiture en concession automobile","caption":"Smiling car salesman handing over your new car keys, dealership and sales concept","name":"your-new-car-keys","status":"inherit","uploaded_to":693,"date":"2017-07-04 11:58:12","modified":"2017-08-01 14:41:49","menu_order":0,"mime_type":"image\/jpeg","type":"image","subtype":"jpeg","icon":"https:\/\/www.bymycar.fr\/webzine\/wp-includes\/images\/media\/default.png","width":4000,"height":2278,"sizes":{"thumbnail":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/clef-de-voiture-e1499266845586-150x150.jpg","thumbnail-width":150,"thumbnail-height":150,"medium":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/clef-de-voiture-e1499266845586-300x171.jpg","medium-width":300,"medium-height":171,"medium_large":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/clef-de-voiture-e1499266845586-768x437.jpg","medium_large-width":768,"medium_large-height":437,"large":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/clef-de-voiture-e1499266845586-1024x583.jpg","large-width":1024,"large-height":583,"1536x1536":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/clef-de-voiture-e1499266845586.jpg","1536x1536-width":1536,"1536x1536-height":875,"2048x2048":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/clef-de-voiture-e1499266845586.jpg","2048x2048-width":2048,"2048x2048-height":1166}},"image_1600x700":false,"image_920x500":false,"legende":""}],"elements_comparatif":false,"texte_1":"","texte_2":"","image_1":false,"image_1_563x400":false,"image_1_332x332":false,"image_2":false,"image_2_333x240":false,"image_2_563x400":false,"image_3":false,"image_3_333x240":false,"image_3_332x450":false,"image_4":false,"image_4_332x332":false,"image_4_563x400":false,"code_embed":"","legende_video":"","photo":false,"photo_100x100":false,"nom":"","fonction":"","elements_timeline":false,"entetes_colonnes":false,"entetes_lignes":false,"lignes":false,"introduction":"","formulaire":false,"question":"","reponse":"","libelle_bouton_lien":"","url_lien":"","questions":false,"conclusions":false,"pays":false,"region":false,"marque":false,"marqueConcessions":false,"modele":false,"ptvente":false,"typeV":false,"collection":false,"nombre_maximum_elements":10,"lien_fin_carousel":"","texte_lien_fin_carousel":"","trier_par":false},{"type_strate":"texte-simple","ancre":"","contenu":"

Le principal avantage de la LOA<\/a> est de pouvoir renouveler son v\u00e9hicule plus r\u00e9guli\u00e8rement<\/strong> qu\u2019avec un cr\u00e9dit automobile classique. \u00c0 l\u2019\u00e9ch\u00e9ance du contrat, il est en effet possible de louer une nouvelle voiture. D’un point de vue financier, cela permet tout d’abord de lisser le co\u00fbt de financement de sa voiture en cas de lev\u00e9e de l’option d’achat. Cela offre \u00e9galement la possibilit\u00e9 de diminuer ses mensualit\u00e9s car le loyer de la LOA est moins important qu’un cr\u00e9dit, notamment car il tient compte de la d\u00e9pr\u00e9ciation de la voiture. En tant que simple locataire de son v\u00e9hicule durant la p\u00e9riode de LOA, l’automobiliste ne peut pas voir son v\u00e9hicule saisi<\/strong>. On pourra aussi mettre en avant le fait que le planning entretien est g\u00e9n\u00e9ralement rappel\u00e9 \u00e0 l’automobiliste et qu’il dispose d’une garantie constructeur tout au long de la location. Deux \u00e9l\u00e9ments garantissant la s\u00e9r\u00e9nit\u00e9 du client.<\/p>\n

L\u2019inconv\u00e9nient de la LOA : un co\u00fbt global plus \u00e9lev\u00e9<\/h2>\n

Avant d’opter pour la LOA, il est important d’avoir conscience des inconv\u00e9nients de cette solution. Tout d’abord, l’offre de location pour des v\u00e9hicules d’occasion est restreinte<\/strong>. En plus de devoir payer un d\u00e9p\u00f4t de garantie qui peut \u00eatre \u00e9lev\u00e9, le co\u00fbt de l’op\u00e9ration globale est g\u00e9n\u00e9ralement plus important qu’avec un cr\u00e9dit auto<\/strong>. En outre, il sera bien souvent n\u00e9cessaire de souscrire une assurance tous risques plus on\u00e9reuse. Rappelons \u00e9galement que l\u2019entretien doit souvent \u00eatre r\u00e9alis\u00e9 au sein du r\u00e9seau constructeur et que le nom du client n\u2019est pas indiqu\u00e9 comme propri\u00e9taire sur la carte grise dans la plupart des cas.<\/p>\n","titre":"h1","image":false,"image_libre":false,"image_800x500":false,"legende":"","zoom":false,"texte":"","articles":false,"categorie_droite":false,"images":false,"elements_comparatif":false,"texte_1":"","texte_2":"","image_1":false,"image_1_563x400":false,"image_1_332x332":false,"image_2":false,"image_2_333x240":false,"image_2_563x400":false,"image_3":false,"image_3_333x240":false,"image_3_332x450":false,"image_4":false,"image_4_332x332":false,"image_4_563x400":false,"code_embed":"","legende_video":"","photo":false,"photo_100x100":false,"nom":"","fonction":"","elements_timeline":false,"entetes_colonnes":false,"entetes_lignes":false,"lignes":false,"introduction":"","formulaire":false,"question":"","reponse":"","libelle_bouton_lien":"","url_lien":"","questions":false,"conclusions":false,"pays":false,"region":false,"marque":false,"marqueConcessions":false,"modele":false,"ptvente":false,"typeV":false,"collection":false,"nombre_maximum_elements":10,"lien_fin_carousel":"","texte_lien_fin_carousel":"","trier_par":false},{"type_strate":"texte-simple","ancre":"","contenu":"

En r\u00e9sum\u00e9, le choix de la LOA d\u00e9pend des besoins et des envies de chaque automobiliste. Cette solution s\u2019av\u00e8re viable pour ceux qui d\u00e9sirent renouveler r\u00e9guli\u00e8rement leur v\u00e9hicule, diminuer leurs mensualit\u00e9s et ne pas \u00eatre imm\u00e9diatement propri\u00e9taire de la voiture<\/strong>.<\/p>\n","titre":"H2","image":false,"image_libre":false,"image_800x500":false,"legende":"","zoom":false,"texte":"","articles":false,"categorie_droite":false,"images":[{"image":{"ID":763,"id":763,"title":"Acheter sa voiture en ligne","filename":"choisir-sa-voiture-e1499266770900-scaled.jpg","filesize":0,"url":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-scaled.jpg","link":"https:\/\/www.bymycar.fr\/webzine\/avantages-inconvenients-de-loa\/businessman-touching-insurance-concept\/","alt":"Client et conseiller au concessionnaire automobile","author":"1","description":"Client et conseiller au concessionnaire automobile pour achat de voiture","caption":"","name":"businessman-touching-insurance-concept","status":"inherit","uploaded_to":693,"date":"2017-07-04 12:09:38","modified":"2018-04-27 12:24:11","menu_order":0,"mime_type":"image\/jpeg","type":"image","subtype":"jpeg","icon":"https:\/\/www.bymycar.fr\/webzine\/wp-includes\/images\/media\/default.png","width":2560,"height":1707,"sizes":{"thumbnail":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-150x150.jpg","thumbnail-width":150,"thumbnail-height":150,"medium":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-300x200.jpg","medium-width":300,"medium-height":200,"medium_large":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-768x512.jpg","medium_large-width":768,"medium_large-height":512,"large":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-1024x683.jpg","large-width":1024,"large-height":683,"1536x1536":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-1536x1024.jpg","1536x1536-width":1536,"1536x1536-height":1024,"2048x2048":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-2048x1365.jpg","2048x2048-width":2048,"2048x2048-height":1365}},"image_1600x700":false,"image_920x500":false,"legende":""}],"elements_comparatif":false,"texte_1":"","texte_2":"","image_1":false,"image_1_563x400":false,"image_1_332x332":false,"image_2":false,"image_2_333x240":false,"image_2_563x400":false,"image_3":false,"image_3_333x240":false,"image_3_332x450":false,"image_4":false,"image_4_332x332":false,"image_4_563x400":false,"code_embed":"","legende_video":"","photo":false,"photo_100x100":false,"nom":"","fonction":"","elements_timeline":false,"entetes_colonnes":false,"entetes_lignes":false,"lignes":false,"introduction":"","formulaire":false,"question":"","reponse":"","libelle_bouton_lien":"","url_lien":"","questions":false,"conclusions":false,"pays":false,"region":false,"marque":false,"marqueConcessions":false,"modele":false,"ptvente":false,"typeV":false,"collection":false,"nombre_maximum_elements":10,"lien_fin_carousel":"","texte_lien_fin_carousel":"","trier_par":false},{"type_strate":"texte-simple","ancre":"","contenu":"

Vous avez d\u00e9termin\u00e9 votre mode de financement ? Dans ce cas, vous pouvez trouver votre nouveau v\u00e9hicule sur ByMyCar<\/a>, votre concessionnaire aux multiples marques.<\/p>\n","titre":"H3","image":false,"image_libre":false,"image_800x500":false,"legende":"","zoom":false,"texte":"","articles":false,"categorie_droite":false,"images":false,"elements_comparatif":false,"texte_1":"","texte_2":"","image_1":false,"image_1_563x400":false,"image_1_332x332":false,"image_2":false,"image_2_333x240":false,"image_2_563x400":false,"image_3":false,"image_3_333x240":false,"image_3_332x450":false,"image_4":false,"image_4_332x332":false,"image_4_563x400":false,"code_embed":"","legende_video":"","photo":false,"photo_100x100":false,"nom":"","fonction":"","elements_timeline":false,"entetes_colonnes":false,"entetes_lignes":false,"lignes":false,"introduction":"","formulaire":false,"question":"","reponse":"","libelle_bouton_lien":"","url_lien":"","questions":false,"conclusions":false,"pays":false,"region":false,"marque":false,"marqueConcessions":false,"modele":false,"ptvente":false,"typeV":false,"collection":false,"nombre_maximum_elements":10,"lien_fin_carousel":"","texte_lien_fin_carousel":"","trier_par":false}],"template":"classique","is_old_post":false,"image":{"ID":763,"id":763,"title":"Acheter sa voiture en ligne","filename":"choisir-sa-voiture-e1499266770900-scaled.jpg","filesize":0,"url":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-scaled.jpg","link":"https:\/\/www.bymycar.fr\/webzine\/avantages-inconvenients-de-loa\/businessman-touching-insurance-concept\/","alt":"Client et conseiller au concessionnaire automobile","author":"1","description":"Client et conseiller au concessionnaire automobile pour achat de voiture","caption":"","name":"businessman-touching-insurance-concept","status":"inherit","uploaded_to":693,"date":"2017-07-04 12:09:38","modified":"2018-04-27 12:24:11","menu_order":0,"mime_type":"image\/jpeg","type":"image","subtype":"jpeg","icon":"https:\/\/www.bymycar.fr\/webzine\/wp-includes\/images\/media\/default.png","width":2560,"height":1707,"sizes":{"thumbnail":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-150x150.jpg","thumbnail-width":150,"thumbnail-height":150,"medium":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-300x200.jpg","medium-width":300,"medium-height":200,"medium_large":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-768x512.jpg","medium_large-width":768,"medium_large-height":512,"large":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-1024x683.jpg","large-width":1024,"large-height":683,"1536x1536":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-1536x1024.jpg","1536x1536-width":1536,"1536x1536-height":1024,"2048x2048":"https:\/\/www.bymycar.fr\/webzine\/wp-content\/uploads\/2017\/07\/choisir-sa-voiture-e1499266770900-2048x1365.jpg","2048x2048-width":2048,"2048x2048-height":1365}},"page_content":{"block_content":[{"acf_fc_layout":"text-simple","--nav":{"-withNav":false,"-ancre":""},"--group":{"-text":"

Le b.a.-ba de la LOA<\/h2>\n

En raison de taux d’emprunt \u00e0 la hausse, la LOA (pour Location avec Option d’Achat) devient une alternative de plus en plus viable au cr\u00e9dit automobile classique<\/strong>. Principe de fonctionnement, avantages et inconv\u00e9nients : d\u00e9couvrez tout ce qu\u2019il faut savoir sur la LOA automobile.<\/p>\n"}},{"acf_fc_layout":"text-simple","--nav":{"-withNav":false,"-ancre":""},"--group":{"-text":"

La LOA, comment \u00e7a marche ?<\/h2>\n

Tout comme la LLD (Location de Longue Dur\u00e9e), la LOA est l’une des formes que peut prendre le leasing automobile. Il s\u2019agit d\u2019un contrat de location d\u2019une voiture (g\u00e9n\u00e9ralement neuve), d\u2019une dur\u00e9e comprise entre 2 et 6 ans<\/strong>. \u00c0 la signature, le client doit verser un premier apport de garantie (au maximum 15% du prix total du v\u00e9hicule). Deux autres informations sont d\u00e9finies dans le contrat : le montant des mensualit\u00e9s (fixes ou variables) ainsi que le montant de l’option d’achat, permettant d’acqu\u00e9rir le v\u00e9hicule \u00e0 la fin de la p\u00e9riode de location. Durant la location, c\u2019est au locataire de prendre en charge les diff\u00e9rents services d’entretien (contr\u00f4le technique, vidange, etc.), contrairement \u00e0 une LLD. \u00c0 la fin du contrat de LOA, l’automobiliste a alors deux options : payer l’option d’achat pour devenir propri\u00e9taire du v\u00e9hicule ou souscrire une nouvelle LOA pour un autre v\u00e9hicule<\/strong>.<\/p>\n"}},{"acf_fc_layout":"text-simple","--nav":{"-withNav":false,"-ancre":""},"--group":{"-text":"

Le principal avantage de la LOA<\/a> est de pouvoir renouveler son v\u00e9hicule plus r\u00e9guli\u00e8rement<\/strong> qu\u2019avec un cr\u00e9dit automobile classique. \u00c0 l\u2019\u00e9ch\u00e9ance du contrat, il est en effet possible de louer une nouvelle voiture. D’un point de vue financier, cela permet tout d’abord de lisser le co\u00fbt de financement de sa voiture en cas de lev\u00e9e de l’option d’achat. Cela offre \u00e9galement la possibilit\u00e9 de diminuer ses mensualit\u00e9s car le loyer de la LOA est moins important qu’un cr\u00e9dit, notamment car il tient compte de la d\u00e9pr\u00e9ciation de la voiture. En tant que simple locataire de son v\u00e9hicule durant la p\u00e9riode de LOA, l’automobiliste ne peut pas voir son v\u00e9hicule saisi<\/strong>. On pourra aussi mettre en avant le fait que le planning entretien est g\u00e9n\u00e9ralement rappel\u00e9 \u00e0 l’automobiliste et qu’il dispose d’une garantie constructeur tout au long de la location. Deux \u00e9l\u00e9ments garantissant la s\u00e9r\u00e9nit\u00e9 du client.<\/p>\n

L\u2019inconv\u00e9nient de la LOA : un co\u00fbt global plus \u00e9lev\u00e9<\/h2>\n

Avant d’opter pour la LOA, il est important d’avoir conscience des inconv\u00e9nients de cette solution. Tout d’abord, l’offre de location pour des v\u00e9hicules d’occasion est restreinte<\/strong>. En plus de devoir payer un d\u00e9p\u00f4t de garantie qui peut \u00eatre \u00e9lev\u00e9, le co\u00fbt de l’op\u00e9ration globale est g\u00e9n\u00e9ralement plus important qu’avec un cr\u00e9dit auto<\/strong>. En outre, il sera bien souvent n\u00e9cessaire de souscrire une assurance tous risques plus on\u00e9reuse. Rappelons \u00e9galement que l\u2019entretien doit souvent \u00eatre r\u00e9alis\u00e9 au sein du r\u00e9seau constructeur et que le nom du client n\u2019est pas indiqu\u00e9 comme propri\u00e9taire sur la carte grise dans la plupart des cas.<\/p>\n"}},{"acf_fc_layout":"text-simple","--nav":{"-withNav":false,"-ancre":""},"--group":{"-text":"

En r\u00e9sum\u00e9, le choix de la LOA d\u00e9pend des besoins et des envies de chaque automobiliste. Cette solution s\u2019av\u00e8re viable pour ceux qui d\u00e9sirent renouveler r\u00e9guli\u00e8rement leur v\u00e9hicule, diminuer leurs mensualit\u00e9s et ne pas \u00eatre imm\u00e9diatement propri\u00e9taire de la voiture<\/strong>.<\/p>\n"}},{"acf_fc_layout":"text-simple","--nav":{"-withNav":false,"-ancre":""},"--group":{"-text":"

Vous avez d\u00e9termin\u00e9 votre mode de financement ? Dans ce cas, vous pouvez trouver votre nouveau v\u00e9hicule sur ByMyCar<\/a>, votre concessionnaire aux multiples marques.<\/p>\n"}}]},"add-carousel-to-footer":true},"yoast_head":"\nAvantages et inconv\u00e9nients de la LOA<\/title>\n<meta name=\"description\" content=\"Alternative au cr\u00e9dit auto, la LOA se d\u00e9mocratise en France. 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