Crédit Immobilier
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Vous souhaitez acheter votre résidence principale, investir dans l'immobilier locatif ou acquérir une résidence secondaire ? Le crédit immobilier est votre passeport vers la propriété. Avec notre expertise et notre réseau de partenaires bancaires, nous vous garantissons les meilleures conditions de financement pour votre projet immobilier.
Crédit Immobilier
Consumer Credit
Are you planning to do some work, buy a computer for your teenager, repair your car, or go on a trip? Consumer credit, the ideal solution for all your projects, flexible and adapted to each situation, allows you to achieve them very easily. Here's how it works.
Consumer credit: what is it?
A 'consumer loan' is taken out, as its name suggests, to purchase consumer goods such as furniture, household appliances, computer equipment, etc. (excluding cars) or to finance a project (work, vacations, etc.). Consumer credit includes two forms of loans:
Personal loan:
A personal loan is a fixed-rate loan (no variation in the interest rate over time) to finance one or more projects. The borrower does not have to justify their expenses.
Revolving credit:
A variable-rate credit that allows you to unlock the amounts you need as you go, up to the borrowed amount (by transfer, check, or using a bank card linked to the loan).
How to apply for a consumer loan?
1. The loan request
The future borrower fills out an information questionnaire including, among other things:
- • The lender's details
- • The type of credit
- • The borrowed amount
- • The duration of the loan as well as the number of installments
- • The APR
- • Any mandatory insurance and their amount
- • The mandatory mention of the existence of a right of withdrawal and a right to early repayment
- • The mandatory statement 'A loan commits you and must be repaid. Check your repayment capacity before you commit.'
What documents to provide?
For a consumer loan of less than 3,000 €, only a valid ID and proof of address will be required. For a loan over 3,000 €, the borrower must provide proof of income. When the credit is taken out at a point of sale or remotely, the borrower must fill out an information sheet (identity, address, resources, charges, and ongoing loans).
2. Verification of the borrower's solvency by the lending institution
The credit institution verifies the repayment capacity of the applicant. To do this, it:
- • Checks the file of payment incidents for the repayment of loans to individuals with the Banque de France
- • Assesses the applicant's personal situation (family situation, profession, and monthly income, value of assets, if applicable, as well as the various ongoing loans).
3. The loan offer
Once the consumer credit application is validated, the lending institution gives the borrower a loan offer. A mandatory document mentioning:
- • The type of loan requested
- • The amount of capital borrowed
- • The duration of the loan
- • The number and frequency of installments
- • The total cost of the credit
- • The annual percentage rate of charge, or APR.
4. The withdrawal period for the borrower
After signing the loan offer, the borrower has a period of 14 calendar days to withdraw. If they wish to withdraw, they fill out and sign the slip attached to the credit offer and send it by registered mail with acknowledgment of receipt.
Consumer loan simulator: the advantages
From 3000 to 1,000,000 €, simple, quick, and commitment-free simulation!
Repayment conditions for a mortgage and a consumer loan: what's the difference?
A consumer loan (personal loan or revolving credit) is intended to finance everyday purchases, work, or meet an unexpected need for money. The repayment conditions are generally more flexible and the borrowed amounts are lower than for a mortgage.
A mortgage is intended for the purchase or renovation of a property and extends over a much longer period, which can go up to 25 or 30 years. The conditions of this type of loan are stricter and require a more in-depth study of your debt capacity.
What do the repayment conditions depend on?
The repayment conditions mainly depend on your debt capacity and your credit history. Before approving a loan, financial institutions assess your solvency by considering your income, expenses, and other financial commitments.
Consumer loan simulator: the advantages
Before taking out a consumer loan, it is preferable to carry out an online simulation to compare the different offers on the market. In just a few clicks, you have a clear and objective view of your repayment capacity and the amount of interest to be paid. It's simple, quick, and commitment-free!
From 3000 to 1,000,000 €, choose the amount you wish to borrow, the amount of your installments, and the repayment speed. Once your simulation is validated, you fill out a request form and get an immediate response summarizing the essential information:
- • The APR
- • The borrowed capital
- • The total amount due
- • The repayment period.
Whatever your project, we help you make it a reality with a tailored solution that best meets your financing needs.
Quick and simple, your loan request in 3 steps
Feel free to do an online simulation to find out more about the repayment installments that could match your repayment capacity.
Étude de faisabilité
Analyse de votre situation financière et définition de votre capacité d'emprunt optimale.
Recherche et négociation
Mise en concurrence des banques et négociation des meilleures conditions pour votre profil.
Finalisation et déblocage
Signature chez le notaire et déblocage des fonds pour la réalisation de votre achat.
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