{"id":424,"date":"2025-06-22T18:53:32","date_gmt":"2025-06-22T18:53:32","guid":{"rendered":"https:\/\/www.finostra-capital.eu\/?page_id=424"},"modified":"2025-06-23T09:31:58","modified_gmt":"2025-06-23T09:31:58","slug":"lombard-loan","status":"publish","type":"page","link":"https:\/\/www.finostra-capital.eu\/fr\/lombard-loan\/","title":{"rendered":"Cr\u00e9dit Lombard"},"content":{"rendered":"
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Cr\u00e9dit Lombard<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\tFinostra Capital<\/span>\n\t\t\t\t\n\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\tFinostra Capital<\/span>\n\t\t\t\t\n\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\tFinostra Capital<\/span>\n\t\t\t\t\n\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\tFinostra Capital<\/span>\n\t\t\t\t\n\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\tFinostra Capital<\/span>\n\t\t\t\t\n\t<\/path><\/svg><\/span>\n\t\t\t\t\t<\/div>\n\t\t
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Une solution de financement rapide, discr\u00e8te et efficace adoss\u00e9e \u00e0 vos actifs financiers<\/p>

Chez Finostra Capital, nous proposons \u00e0 nos clients une gamme de financements haut de gamme, dont le cr\u00e9dit Lombard, destin\u00e9 aux particuliers fortun\u00e9s, investisseurs, chefs d\u2019entreprise ou gestionnaires de patrimoine disposant d\u2019un portefeuille financier significatif.<\/p>

Le cr\u00e9dit Lombard vous permet d\u2019acc\u00e9der \u00e0 des liquidit\u00e9s imm\u00e9diates sans devoir vendre vos actifs. Il s\u2019agit d\u2019un pr\u00eat garanti par des valeurs mobili\u00e8res, permettant de conserver l\u2019exposition aux march\u00e9s financiers tout en finan\u00e7ant d\u2019autres projets.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Qu\u2019est-ce qu\u2019un cr\u00e9dit Lombard ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Le cr\u00e9dit Lombard est un pr\u00eat personnel adoss\u00e9 \u00e0 un portefeuille de titres financiers. Les actifs ne sont pas vendus, mais simplement mis en garantie aupr\u00e8s de l\u2019\u00e9tablissement pr\u00eateur.<\/p>

Le montant pr\u00eat\u00e9 d\u00e9pend de la valeur des actifs apport\u00e9s en garantie et de leur degr\u00e9 de liquidit\u00e9. En r\u00e8gle g\u00e9n\u00e9rale, la banque ou l\u2019interm\u00e9diaire financier accorde un cr\u00e9dit \u00e0 hauteur de 50 % \u00e0 80 % de la valeur du portefeuille, selon les actifs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Actifs \u00e9ligibles<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Les garanties accept\u00e9es peuvent inclure :<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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          • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tContrats d\u2019assurance-vie en unit\u00e9s de compte<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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            • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tComptes-titres<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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              • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tNB:<\/strong> Les fonds en euros (contrats \u00e0 capital garanti) sont g\u00e9n\u00e9ralement exclus, car non mobilisables comme garantie directe dans ce type de montage.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                Avantages du cr\u00e9dit Lombard<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                Acc\u00e8s \u00e0 des liquidit\u00e9s sans vente d\u2019actifs<\/h2>

                Vous continuez \u00e0 b\u00e9n\u00e9ficier des dividendes, int\u00e9r\u00eats ou plus-values potentiels de vos titres.<\/p>\n <\/div>\n \n <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                Effet de levier patrimonial<\/h2>

                Vous utilisez votre portefeuille comme levier pour financer d\u2019autres projets (immobilier, investissements, entreprise\u2026).<\/p>\n <\/div>\n \n <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                Flexibilit\u00e9<\/h2>

                Montant, dur\u00e9e, \u00e9ch\u00e9ances et utilisations sont g\u00e9n\u00e9ralement personnalis\u00e9s. Le pr\u00eat peut \u00eatre rembours\u00e9 par anticipation ou reconduit.<\/p>\n <\/div>\n \n <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                Discr\u00e9tion et rapidit\u00e9<\/h2>

                Le montage est souple, souvent plus rapide qu\u2019un cr\u00e9dit classique, sans formalit\u00e9s lourdes.<\/p>\n <\/div>\n \n <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                Optimisation fiscale potentielle<\/h2>

                Dans certains cas, les int\u00e9r\u00eats d\u2019emprunt peuvent \u00eatre d\u00e9ductibles s\u2019ils financent un projet patrimonial ou locatif.<\/p>\n <\/div>\n \n <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                Points de vigilance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tAppel de marge:<\/strong> en cas de forte baisse de la valeur des actifs mis en garantie, la banque peut exiger un apport compl\u00e9mentaire ou proc\u00e9der \u00e0 une vente partielle automatique.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
                • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tPas de garantie de capital:<\/strong> si les march\u00e9s baissent fortement, le cr\u00e9dit reste d\u00fb, m\u00eame si les actifs perdent de la valeur.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
                • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tR\u00e9serv\u00e9 \u00e0 un profil exp\u00e9riment\u00e9:<\/strong> ce type de cr\u00e9dit s\u2019adresse \u00e0 des investisseurs avertis ou accompagn\u00e9s, avec un patrimoine financier solide.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                  Cas d\u2019usage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tRachat de parts d\u2019entreprise ou d\u2019immobilier professionnel<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
                  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tConstitution d\u2019un effet de levier pour optimiser son rendement global<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
                  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tGestion d\u2019un besoin ponctuel de tr\u00e9sorerie tout en conservant son allocation d\u2019actifs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

                    Lombard Loan Finostra Capital Finostra Capital Finostra Capital Finostra Capital Finostra Capital Finostra Capital Finostra Capital Finostra Capital Finostra Capital Finostra Capital A fast, discreet and efficient financing solution backed by your financial assets At Finostra Capital, we offer our clients a range of premium financing solutions, including the Lombard loan, designed for high-net-worth individuals, […]<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-424","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.finostra-capital.eu\/fr\/wp-json\/wp\/v2\/pages\/424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finostra-capital.eu\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.finostra-capital.eu\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.finostra-capital.eu\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finostra-capital.eu\/fr\/wp-json\/wp\/v2\/comments?post=424"}],"version-history":[{"count":5,"href":"https:\/\/www.finostra-capital.eu\/fr\/wp-json\/wp\/v2\/pages\/424\/revisions"}],"predecessor-version":[{"id":510,"href":"https:\/\/www.finostra-capital.eu\/fr\/wp-json\/wp\/v2\/pages\/424\/revisions\/510"}],"wp:attachment":[{"href":"https:\/\/www.finostra-capital.eu\/fr\/wp-json\/wp\/v2\/media?parent=424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}