{"id":16849,"date":"2020-05-10T21:07:05","date_gmt":"2020-05-10T21:07:05","guid":{"rendered":"http:\/\/www.africanchallenges.com\/?p=16849"},"modified":"2020-05-10T21:08:08","modified_gmt":"2020-05-10T21:08:08","slug":"maroc-solidarite-des-banques-face-aux-demandes-de-report-de-remboursement-de-dettes-divise","status":"publish","type":"post","link":"https:\/\/www.africanchallenges.com\/?p=16849","title":{"rendered":"Maroc : Solidarit\u00e9 des banques face aux demandes de report de remboursement de dettes divise"},"content":{"rendered":"\n<p class=\"texte textearticle\">Face au covid-19, la solidarit\u00e9 affich\u00e9e par les banques commerciales marocaines \u00e0 leurs clients \u00e0 travers des moratoires temporaires pour le remboursement de leurs dettes fait d\u00e9bat \u00e0 mesure que se d\u00e9voilent les conditions d&rsquo;application des diverses mesures prises. Selon le quotidien local\u00a0<em>L&rsquo;Economiste<\/em>\u00a0qui a suivi ce dossier,\u00a0des frais de dossier ne sont pas appliqu\u00e9s, mais l\u2019allongement de l\u2019\u00e9ch\u00e9ance de remboursement engendre des int\u00e9r\u00eats suppl\u00e9mentaires et augmente le co\u00fbt initial du cr\u00e9dit.<\/p>\n<p class=\"texte textearticle\">Le d\u00e9fi r\u00e9side dans la mani\u00e8re dont sont pris en compte les remboursements report\u00e9s durant le moratoire. Dans la zone UEMOA, la Banque centrale a pris le soin de pr\u00e9ciser aux banques que les moratoires accord\u00e9s seront log\u00e9s dans un compte sp\u00e9cial r\u00e9serv\u00e9 aux op\u00e9rations en lien avec le covid-19. Cette disposition, semble-t-il n\u2019a pas \u00e9t\u00e9 prise au Maroc.<\/p>\n<p class=\"texte textearticle\">Dans la pratique, les banques mettraient ensemble les reports de paiement au montant principal des dettes. Lorsque les remboursements vont reprendre, les int\u00e9r\u00eats \u00e0 rembourser seront comptabilis\u00e9s sur ces montants principaux, ajout\u00e9s aux int\u00e9r\u00eats en sursis avec pour cons\u00e9quence une hausse de la note \u00e0 payer par les d\u00e9biteurs.<\/p>\n<p class=\"texte textearticle\">Selon des rapports concordants, 416\u00a0000 demandes de report de remboursement d&rsquo;int\u00e9r\u00eats ont \u00e9t\u00e9 soumises par diverses cat\u00e9gories de personnes pour un montant cumul\u00e9 de 33 milliards\u00a0de dirhams (environ 3,3 milliards\u00a0$). 95% ont re\u00e7u un avis favorable.<\/p>\n<p class=\"texte textearticle\">La note pourrait \u00eatre sal\u00e9e \u00e0 la fin de la p\u00e9riode de gr\u00e2ce, surtout si les activit\u00e9s n&rsquo;ont pas repris \u00e0 leur vitesse de croisi\u00e8re.<\/p>\n<p><strong>Avec Agence Ecofin<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"Face au covid-19, la solidarit\u00e9 affich\u00e9e par les banques commerciales marocaines \u00e0 leurs clients \u00e0 travers des moratoires temporaires pour le remboursement de leurs dettes fait d\u00e9bat \u00e0 mesure que se d\u00e9voilent les conditions d'application des diverses mesures prises. Selon le quotidien local\u00a0L'Economiste\u00a0qui a suivi ce dossier,\u00a0des frais de dossier ne sont pas appliqu\u00e9s, mais [...]","protected":false},"author":4,"featured_media":16851,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override":[{"single_blog_custom":"","sidebar":"","second_sidebar":"","share_position":"","share_float_style":"","post_date_format":"","post_date_format_custom":"","post_reading_time_wpm":"","zoom_button_out_step":"1","zoom_button_in_step":"1","number_popup_post":"1"}],"image_override":[{"single_post_thumbnail_size":"","single_post_gallery_size":""}],"trending_post_position":"","trending_post_label":""},"jnews_primary_category":{"id":""},"jnews_override_bookmark_settings":[],"jnews_review":[],"enable_review":"","type":"","name":"","summary":"","brand":"","sku":"","good":[],"bad":[],"score_override":"","override_value":"","rating":[],"price":[],"jnews_post_split":[],"footnotes":""},"categories":[14,43],"tags":[],"class_list":["post-16849","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banks","category-eco-business"],"_links":{"self":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/16849","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=16849"}],"version-history":[{"count":1,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/16849\/revisions"}],"predecessor-version":[{"id":16850,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/16849\/revisions\/16850"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/media\/16851"}],"wp:attachment":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16849"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16849"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16849"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}