{"id":14131,"date":"2026-06-19T09:07:05","date_gmt":"2026-06-19T07:07:05","guid":{"rendered":"https:\/\/gradido.net\/?p=14131"},"modified":"2026-06-19T10:00:25","modified_gmt":"2026-06-19T08:00:25","slug":"was-wenn-schulden-niemanden-mehr-erdruecken-muessten","status":"publish","type":"post","link":"https:\/\/gradido.net\/fr\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\/","title":{"rendered":"Et si les dettes ne devaient plus accabler personne ?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"14131\" class=\"elementor elementor-14131\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-496e1d53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"496e1d53\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-461d7be0\" data-id=\"461d7be0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd9ebe2 elementor-widget elementor-widget-text-editor\" data-id=\"cd9ebe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les dettes peuvent peser sur toute une vie. Et souvent, ce n\u2019est pas l\u2019imprudence qui en est \u00e0 l\u2019origine, mais la vie elle-m\u00eame : une maladie, la perte d\u2019un emploi, une s\u00e9paration. Les int\u00e9r\u00eats et les frais de relance font alors gonfler la dette sans cesse \u2014 jusqu\u2019\u00e0 ce que plus personne ne puisse la supporter. Est-ce que cela doit n\u00e9cessairement rester ainsi \u00e0 l\u2019avenir ?<\/p><h2>Avec Gradido, la dette cesse de s'alourdir<\/h2><p>Aujourd'hui, nous avons le plaisir de te pr\u00e9senter la deuxi\u00e8me partie de notre \u00e9tude en trois volets : la conclusion de la <strong>Dettes priv\u00e9es<\/strong> \u2014 la majeure partie de l'ensemble des dettes. Notre r\u00e9ponse est \u00e9tonnamment simple : la dette n'est pas annul\u00e9e, mais <strong>converti<\/strong>. Un cr\u00e9dit d'un euro devient un cr\u00e9dit Gradido sans int\u00e9r\u00eat, \u00e0 parit\u00e9. Sans int\u00e9r\u00eat, la dette cesse de cro\u00eetre.<\/p><h2>La banque, elle aussi, \u00e9volue<\/h2><p>Elle est g\u00e9n\u00e9r\u00e9e par les op\u00e9rations sur taux d'int\u00e9r\u00eat vers le <strong>interm\u00e9diaire<\/strong>, qui concilie avec d\u00e9licatesse \u00e9pargne et projets de cr\u00e9dit. La majeure partie des dettes se r\u00e8gle ainsi tr\u00e8s simplement \u2014 et le petit reste, plus \u00e9pineux, est en m\u00eame temps le plus important sur le plan humain.<\/p><h2>Ce qui brise les gens aujourd\u2019hui devient supportable \u2014 et finit par se dissoudre<\/h2><p>Car derri\u00e8re un surendettement, il y a toujours un \u00eatre humain, pas un simple chiffre : souvent, il ne s\u2019agit que de quelques milliers d\u2019euros de dettes pour un revenu \u00e0 la limite du seuil de pauvret\u00e9 \u2014 et pourtant, cela suffit \u00e0 briser une vie. Dans le syst\u00e8me Gradido, l\u2019absence d\u2019int\u00e9r\u00eats sur la dette lui enl\u00e8ve son pouvoir destructeur, et le revenu de base actif offre un filet de s\u00e9curit\u00e9 gr\u00e2ce auquel personne ne tombe plus dans le vide. Ce qui d\u00e9truit aujourd\u2019hui des existences devient supportable \u2014 et dispara\u00eet avec le temps.<\/p><p>Tout comme la premi\u00e8re partie, cette \u00e9tude est librement accessible, en allemand et en anglais. Pas besoin d'\u00eatre un expert en \u00e9conomie : le bref r\u00e9sum\u00e9 vaut \u00e0 lui seul le d\u00e9tour.<\/p><p>\ud83d\udc49 <a href=\"https:\/\/gradido.net\/fr\/academy-papers\/\"><strong>Tu peux lire les parties 1 et 2 dans les documents de l'Acad\u00e9mie<\/strong><\/a><\/p><p>Et si cela te touche, fais-le savoir autour de toi. C'est ainsi que Gradido prendra vie : lorsque des personnes comme toi le d\u00e9couvriront et le feront conna\u00eetre.<\/p><p>La premi\u00e8re partie (consacr\u00e9e \u00e0 la dette publique) a \u00e9t\u00e9 publi\u00e9e il y a quelques jours ; la troisi\u00e8me partie (Gradido comme r\u00e9serve mondiale) suivra prochainement. Ensemble, elles v\u00e9hiculent un message unique et r\u00e9jouissant : la voie vers un monde o\u00f9 chacun peut s'\u00e9panouir est grande ouverte \u2014 pour nous, nos enfants et les g\u00e9n\u00e9rations futures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d74dfa0 elementor-widget elementor-widget-text-editor\" data-id=\"d74dfa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div data-pm-slice=\"1 1 []\" data-en-clipboard=\"true\"><p>Nous te saluons chaleureusement,<\/p><p><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\">Ton<\/span><\/p><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-4614 size-medium\" src=\"https:\/\/gradido.net\/wp-content\/uploads\/2022\/06\/MargretBernd_2022-300x74.png\" alt=\"\" width=\"300\" height=\"74\" srcset=\"https:\/\/gradido.net\/wp-content\/uploads\/2022\/06\/MargretBernd_2022-300x74.png 300w, https:\/\/gradido.net\/wp-content\/uploads\/2022\/06\/MargretBernd_2022-18x4.png 18w, https:\/\/gradido.net\/wp-content\/uploads\/2022\/06\/MargretBernd_2022.png 431w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p>Margret Baier et Bernd H\u00fcckst\u00e4dt<br \/>Fondateur et d\u00e9veloppeur de Gradido<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14532fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14532fe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-65d2298\" data-id=\"65d2298\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bea124f elementor-widget elementor-widget-global elementor-global-9341 elementor-widget-text-editor\" data-id=\"bea124f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>PS : Un grand merci \u00e0 tous ceux qui, au sein de la communaut\u00e9, soutiennent financi\u00e8rement le projet Gradido !<\/strong> En remerciement de ton <strong><a href=\"https:\/\/gradido.net\/fr\/donations\/\" data-cke-saved-href=\"https:\/\/gradido.net\/de\/donations\/\">Contribution de soutien<\/a><\/strong> nous te cr\u00e9ditons GradidoTransform (GDT) - et <strong>le 26 juin 2026, nous augmentons tous les soldes de compte GDT de 26 % suppl\u00e9mentaires. <a href=\"https:\/\/gradido.net\/fr\/donations\/\" data-cke-saved-href=\"https:\/\/gradido.net\/de\/donations\/\">Tu veux participer \u00e0 la promotion ?<\/a><\/strong> Nous nous r\u00e9jouissons de tout soutien - et t'offrons de tout c\u0153ur l'augmentation de la GDT.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29dfc07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29dfc07\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d37ec5a\" data-id=\"d37ec5a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b3bbb9b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3bbb9b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a7e88ad\" data-id=\"a7e88ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Les dettes peuvent transformer la vie en enfer \u2014 souvent \u00e0 la suite d'une maladie, d'une perte d'emploi ou d'une s\u00e9paration. La deuxi\u00e8me partie de notre \u00e9tude montre comment transformer un endettement \u00e9crasant en une solution viable et sans int\u00e9r\u00eats.<\/p>","protected":false},"author":2,"featured_media":14132,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51,11],"tags":[57,60,61],"class_list":["post-14131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysen","category-blog","tag-konzeptstudie","tag-privatschulden","tag-ueberschuldung"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Was, wenn Schulden niemanden mehr erdr\u00fccken m\u00fcssten? - Gradido<\/title>\n<meta name=\"description\" content=\"Mit Gradido werden private Schulden umgewandelt statt erlassen \u2014 zinsfrei. Was heute Existenzen vernichtet, wird tragbar. Frei zug\u00e4nglich, zweisprachig.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gradido.net\/fr\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Was, wenn Schulden niemanden mehr erdr\u00fccken m\u00fcssten? - Gradido\" \/>\n<meta property=\"og:description\" content=\"Mit Gradido werden private Schulden umgewandelt statt erlassen \u2014 zinsfrei. Was heute Existenzen vernichtet, wird tragbar. Frei zug\u00e4nglich, zweisprachig.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gradido.net\/fr\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\/\" \/>\n<meta property=\"og:site_name\" content=\"Gradido\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-19T07:07:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-19T08:00:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gradido.net\/wp-content\/uploads\/2026\/06\/Trilogie2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bernd H\u00fcckst\u00e4dt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bernd H\u00fcckst\u00e4dt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/\"},\"author\":{\"name\":\"Bernd H\u00fcckst\u00e4dt\",\"@id\":\"https:\\\/\\\/gradido.net\\\/de\\\/#\\\/schema\\\/person\\\/9c503a004ad15a1ddecadce2218db5d1\"},\"headline\":\"Was, wenn Schulden niemanden mehr erdr\u00fccken m\u00fcssten?\",\"datePublished\":\"2026-06-19T07:07:05+00:00\",\"dateModified\":\"2026-06-19T08:00:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/\"},\"wordCount\":433,\"publisher\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/de\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/gradido.net\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Trilogie2.jpg\",\"keywords\":[\"Konzeptstudie\",\"Privatschulden\",\"\u00dcberschuldung\"],\"articleSection\":[\"Analysen\",\"Blog\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/\",\"url\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/\",\"name\":\"Was, wenn Schulden niemanden mehr erdr\u00fccken m\u00fcssten? - Gradido\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/de\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/gradido.net\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Trilogie2.jpg\",\"datePublished\":\"2026-06-19T07:07:05+00:00\",\"dateModified\":\"2026-06-19T08:00:25+00:00\",\"description\":\"Mit Gradido werden private Schulden umgewandelt statt erlassen \u2014 zinsfrei. 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Ce qui d\u00e9truit aujourd\u2019hui des moyens de subsistance devient supportable. Acc\u00e8s libre, bilingue.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gradido.net\/fr\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\/","og_locale":"fr_FR","og_type":"article","og_title":"Was, wenn Schulden niemanden mehr erdr\u00fccken m\u00fcssten? - Gradido","og_description":"Mit Gradido werden private Schulden umgewandelt statt erlassen \u2014 zinsfrei. Was heute Existenzen vernichtet, wird tragbar. 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