{"id":14249,"date":"2021-09-24T19:16:22","date_gmt":"2021-09-24T19:16:22","guid":{"rendered":"https:\/\/margill.com\/?p=14249"},"modified":"2026-01-27T10:20:21","modified_gmt":"2026-01-27T15:20:21","slug":"comment-creer-dans-margill-un-pret-pondere-complexe-provenant-de-fonds-fli-et-fls-developpement-economique-au-quebec","status":"publish","type":"post","link":"https:\/\/margill.com\/fr\/comment-creer-dans-margill-un-pret-pondere-complexe-provenant-de-fonds-fli-et-fls-developpement-economique-au-quebec\/","title":{"rendered":"Comment cr\u00e9er dans Margill un pr\u00eat pond\u00e9r\u00e9 complexe provenant de fonds FLI et FLS &#8211; D\u00e9veloppement \u00e9conomique au Qu\u00e9bec"},"content":{"rendered":"<p><strong>Comment cr\u00e9er dans Margill un pr\u00eat pond\u00e9r\u00e9 complexe provenant de fonds FLI et FLS?<\/strong><\/p>\n<p>Les organismes de d\u00e9veloppement \u00e9conomique du Qu\u00e9bec (MRC, CLD, SDE et villes) font souvent un seul pr\u00eat \u00e0 l&rsquo;entrepreneur mais compos\u00e9 de deux fonds: le Fonds local d&rsquo;investissement (FLI) et le Fonds local de solidarit\u00e9 (FLS).<\/p>\n<p>Ces pr\u00eats sont souvent \u00e0 des taux d&rsquo;int\u00e9r\u00eat diff\u00e9rents mais pour l&rsquo;entrepreneur (l&#8217;emprunteur), le taux d&rsquo;int\u00e9r\u00eat est un taux pond\u00e9r\u00e9 tenant compte des paiements des deux pr\u00eats distincts. Ainsi, trois pr\u00eats sont cr\u00e9\u00e9s dans le Gestionnaire de Pr\u00eats Margill pour que les montants puissent, pour la comptabilit\u00e9, \u00eatre isol\u00e9s par fonds.<\/p>\n<p>Nous d\u00e9sirons cr\u00e9er un pr\u00eat comportant 12 mois de moratoire de capital et pour rendre le tout un peu plus complexe, un paiement sera plus \u00e9lev\u00e9 que les paiements habituels (ceci afin de d\u00e9montrer que l&rsquo;\u00e9ch\u00e9ancier de paiements peut \u00eatre ajust\u00e9 comme on veut pour, par exemple, ajuster les paiements en fonction du fonds de roulement de l&rsquo;entrepreneur dans des industries saisonni\u00e8res tel le tourisme et l&rsquo;agriculture). Les 12 mois de moratoire seront suivis de 24 paiements de capital et int\u00e9r\u00eats.<\/p>\n<ul>\n<li>Pr\u00eat total (Type = CLIENT) : Capital 85 000 \/ Taux inconnu \u00e0 date (devra \u00eatre calcul\u00e9 par Margill)<\/li>\n<li>Portion FLI : Capital 50 000 \/ Taux 8%<\/li>\n<li>Portion FLS : Capital 35 000 \/ Taux 17,25% (les taux sont exag\u00e9r\u00e9s afin d&rsquo;obtenir des chiffres int\u00e9ressants)<\/li>\n<\/ul>\n<p>Les trois pr\u00eats doivent inclure des dates identiques : m\u00eame date de d\u00e9bours\u00e9 et m\u00eames dates de paiements.<\/p>\n<p>Cr\u00e9er les pr\u00eats FLI et FLS, adapter l&rsquo;\u00e9ch\u00e9ancier de paiements :<\/p>\n<p>FLI:\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-14251 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0e6be4657.png\" alt=\"\" width=\"423\" height=\"382\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0e6be4657.png 664w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0e6be4657-300x271.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0e6be4657-450x407.png 450w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" \/><\/p>\n<p id=\"ecVCNTB\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-14252 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0eb7d45f4.png\" alt=\"\" width=\"424\" height=\"55\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0eb7d45f4.png 671w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0eb7d45f4-300x39.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0eb7d45f4-450x58.png 450w\" sizes=\"auto, (max-width: 424px) 100vw, 424px\" \/><\/p>\n<p>FLS:\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"wp-image-14253 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0f3a917d3.png\" alt=\"\" width=\"427\" height=\"370\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0f3a917d3.png 666w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0f3a917d3-300x260.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e0f3a917d3-450x390.png 450w\" sizes=\"auto, (max-width: 427px) 100vw, 427px\" \/><\/p>\n<p id=\"YoFjpCL\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-14255 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e10bd5417b.png\" alt=\"\" width=\"420\" height=\"57\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e10bd5417b.png 672w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e10bd5417b-300x41.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e10bd5417b-450x61.png 450w\" sizes=\"auto, (max-width: 420px) 100vw, 420px\" \/><\/p>\n<p>Pour le pr\u00eat pond\u00e9r\u00e9 maintenant, l&rsquo;on doit cr\u00e9er un \u00e9ch\u00e9ancier avec la somme des deux pr\u00eats tout en ne connaissant pas le taux d&rsquo;int\u00e9r\u00eat. Nous trouverons le taux une fois l&rsquo;\u00e9ch\u00e9ancier compl\u00e9t\u00e9 (je conserve le taux de 17.25% puisque j&rsquo;avais copi\u00e9 le pr\u00eat FLS tout en changeant le montant de capital).<\/p>\n<p>Je me suis cr\u00e9\u00e9 une petite feuille Excel afin de facilement adapter au besoin (la calculatrice est un peu moins fiable lorsque l&rsquo;on a plusieurs montants) :<\/p>\n<p id=\"DxqPmuE\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-14256 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e11a76a1cd.png\" alt=\"\" width=\"517\" height=\"94\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e11a76a1cd.png 969w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e11a76a1cd-300x54.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e11a76a1cd-705x128.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e11a76a1cd-450x82.png 450w\" sizes=\"auto, (max-width: 517px) 100vw, 517px\" \/><\/p>\n<p>J&rsquo;ai copi\u00e9 (dupliqu\u00e9) l&rsquo;un des pr\u00eats tout en modifiant le montant de capital \u00e0 85 000. Avec le calcul initial, peu importe le taux inscrit, j&rsquo;arrive \u00e0 cet \u00e9ch\u00e9ancier que je dois adapter selon les paiements totaux\u00a0 de la feuille Excel ci-dessus. Je recalculerai le taux une fois les montants inscrits (un travail de 2 minutes) :<\/p>\n<p id=\"gvtrYum\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-14257 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e12453e135.png\" alt=\"\" width=\"515\" height=\"452\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e12453e135.png 818w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e12453e135-300x263.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e12453e135-705x618.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e12453e135-450x394.png 450w\" sizes=\"auto, (max-width: 515px) 100vw, 515px\" \/><\/p>\n<p>Ligne 1 chang\u00e9 dans la cellule directement et les 11 lignes en \u00ab\u00a0vrac\u00a0\u00bb avec le bouton droit de la souris :<\/p>\n<p id=\"TkPeccC\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-14258 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e12ff743db.png\" alt=\"\" width=\"534\" height=\"231\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e12ff743db.png 655w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e12ff743db-300x130.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e12ff743db-450x194.png 450w\" sizes=\"auto, (max-width: 534px) 100vw, 534px\" \/><\/p>\n<p id=\"VPHVTxr\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-14260 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e139af0c32.png\" alt=\"\" width=\"266\" height=\"287\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e139af0c32.png 355w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e139af0c32-278x300.png 278w\" sizes=\"auto, (max-width: 266px) 100vw, 266px\" \/><\/p>\n<p>Ensuite les paiements \u00ab\u00a0normaux\u00a0\u00bb avec un changement en vrac (une fois de plus avec le bouton droit de la souris) :<\/p>\n<p id=\"fSjAYwd\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-14261 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e140d2e408.png\" alt=\"\" width=\"315\" height=\"339\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e140d2e408.png 474w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e140d2e408-279x300.png 279w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e140d2e408-450x484.png 450w\" sizes=\"auto, (max-width: 315px) 100vw, 315px\" \/><\/p>\n<p>Enfin, le dernier paiement :<\/p>\n<p id=\"ckwyuDB\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-14262 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e149defddc.png\" alt=\"\" width=\"288\" height=\"40\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e149defddc.png 346w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e149defddc-300x42.png 300w\" sizes=\"auto, (max-width: 288px) 100vw, 288px\" \/><\/p>\n<p>Le solde n&rsquo;\u00e9tant pas \u00e0 0,00, je dois maintenant calculer mon taux pond\u00e9r\u00e9 (la partie excitante) :<\/p>\n<p id=\"aWkBvZr\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-14263 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e1565f15b5.png\" alt=\"\" width=\"503\" height=\"208\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e1565f15b5.png 614w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e1565f15b5-300x124.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e1565f15b5-450x186.png 450w\" sizes=\"auto, (max-width: 503px) 100vw, 503px\" \/><\/p>\n<p>Ci-dessous, le r\u00e9sultat de mon pr\u00eat CLIENT comprenant les bons paiements.<\/p>\n<p>Le taux pond\u00e9r\u00e9 est donc de 11,824632%<\/p>\n<p id=\"VOKZMFp\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-14264 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e162831916.png\" alt=\"\" width=\"710\" height=\"704\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e162831916.png 929w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e162831916-80x80.png 80w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e162831916-300x297.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e162831916-36x36.png 36w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e162831916-705x699.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e162831916-120x120.png 120w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e162831916-450x446.png 450w\" sizes=\"auto, (max-width: 710px) 100vw, 710px\" \/><\/p>\n<p>On remarque cependant que pour les lignes en moratoire de capital (donc paiement que des int\u00e9r\u00eats courus)(encercl\u00e9es en rouge ci-dessus) que les int\u00e9r\u00eats courus ne sont pas exactement \u00e9gaux aux paiements. Ceci est purement math\u00e9matique et d\u00fb 1) \u00e0 la pr\u00e9sence de paiements en int\u00e9r\u00eat seulement combin\u00e9 avec des paiements en capital et int\u00e9r\u00eat; 2) une p\u00e9riode courte en d\u00e9but de pr\u00eat; 3) importante diff\u00e9rence de taux d&rsquo;int\u00e9r\u00eat entre les deux pr\u00eats qui ont ainsi des \u00ab\u00a0vitesses\u00a0\u00bb d&rsquo;amortissement diff\u00e9rents. G\u00e9n\u00e9ralement, la diff\u00e9rence entre le taux FLI et FLS n&rsquo;est pas aussi significative et donc la diff\u00e9rence moins flagrante.<\/p>\n<p>Pour obtenir les int\u00e9r\u00eats courus = aux paiements respectifs, il faut alors calculer le taux ligne par ligne (ou\u00a0 presque) :<\/p>\n<p id=\"TgabuUO\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-14265 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e2217737a9.png\" alt=\"\" width=\"596\" height=\"153\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e2217737a9.png 896w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e2217737a9-300x77.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e2217737a9-705x181.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e2217737a9-450x116.png 450w\" sizes=\"auto, (max-width: 596px) 100vw, 596px\" \/><\/p>\n<p id=\"FXLgXMB\">Nous\u00a0\u00a0aurions ainsi trois taux &#8211; je ne sugg\u00e8re pas cette pr\u00e9cision qui n&rsquo;est pas vraiment requise et ceci peut \u00eatre confondant pour l&#8217;emprunteur :<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-14266 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e228363988.png\" alt=\"\" width=\"541\" height=\"417\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e228363988.png 715w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e228363988-300x231.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e228363988-705x543.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2021\/09\/img_614e228363988-450x347.png 450w\" sizes=\"auto, (max-width: 541px) 100vw, 541px\" \/><\/p>\n<p style=\"text-align: center;\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p>La m\u00e9thode expliqu\u00e9e ci-dessus peut \u00eatre adopt\u00e9e pour des \u00e9ch\u00e9anciers plus complexes et lorsque plus de deux fonds composent le pr\u00eat CLIENT (le pr\u00eat \u00ab\u00a0Ma\u00eetre\u00a0\u00bb).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comment cr\u00e9er dans Margill un pr\u00eat pond\u00e9r\u00e9 complexe provenant de fonds FLI et FLS? Les organismes de d\u00e9veloppement \u00e9conomique du Qu\u00e9bec (MRC, CLD, SDE et villes) font souvent un seul pr\u00eat \u00e0 l&rsquo;entrepreneur mais compos\u00e9 de deux fonds: le Fonds local d&rsquo;investissement (FLI) et le Fonds local de solidarit\u00e9 (FLS). Ces pr\u00eats sont souvent \u00e0 [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"articles-fr","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[417,416],"tags":[307,302,303,306,305,304,308],"class_list":["post-14249","post","type-post","status-publish","format-standard","hentry","category-gestionnaire-de-prets-margill-documentation","category-gestionnaire-de-prets-margill","tag-cld","tag-fli","tag-fls","tag-mrc","tag-organisme-de-developpement-economique-du-quebec","tag-pret-pondere","tag-sde"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Comment cr\u00e9er dans Margill un pr\u00eat pond\u00e9r\u00e9 complexe provenant de fonds FLI et FLS - D\u00e9veloppement \u00e9conomique au Qu\u00e9bec - Margill<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/margill.com\/fr\/comment-creer-dans-margill-un-pret-pondere-complexe-provenant-de-fonds-fli-et-fls-developpement-economique-au-quebec\/\" \/>\r\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Comment cr\u00e9er dans Margill un pr\u00eat pond\u00e9r\u00e9 complexe provenant de fonds FLI et FLS - D\u00e9veloppement \u00e9conomique au Qu\u00e9bec - Margill\" \/>\r\n<meta property=\"og:description\" content=\"Comment cr\u00e9er dans Margill un pr\u00eat pond\u00e9r\u00e9 complexe provenant de fonds FLI et FLS? Les organismes de d\u00e9veloppement \u00e9conomique du Qu\u00e9bec (MRC, CLD, SDE et villes) font souvent un seul pr\u00eat \u00e0 l&rsquo;entrepreneur mais compos\u00e9 de deux fonds: le Fonds local d&rsquo;investissement (FLI) et le Fonds local de solidarit\u00e9 (FLS). 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