A consumer credit can finance your idea, a new car, a tablet, furniture, a trip, or a renovation of a house … This is not suitable for financing a particular project. So, we give you some advice to be elected to our loan company.
Definition of the eligible term
It designates a security accepted by the bank during its refinancing operations on the interbank market . We can do it on the money market. To be eligible, to be in the conditions required to be elected, to be able to be elected, then, one must complete all the necessary conditions imposed by this company in order to be among the list it has put in place.
Conditions in order to be chosen
First, it seems easy to win a parte from your company. Already, she has known for a long time your fixed income, your monthly expenses . We advise you to consult a little on the website of its operation, before acting on a simulation of your borrowing capacity. You can know the rate you can allocate with its maturity if you have the chance to authorize a consumer credit. You have worries like us, try to join us to know everything so as not to be fooled. According to specialists, play the competition. As soon as the appointment arrives, bring with you some simulations of the other establishments on the grounds of being able to compare the best proposal and showing you that you can change an establishment if necessary. The first condition, your debt , we can not go beyond 33% of its tariff. If advisors see that your monthly income and expenses are stable, they will support your preliminary request. Then you have to know that you have no other outstanding debts because they can block your request. Its maturities can change and are taken into account in the calculation of the debt ratio . Parents who are working or on permanent contracts are very successful in allowing them to dress. Therefore, if we are on a fixed-term contract or unemployed, our chances are diminishing. If we summarize, bankers want to know everything about you, your age, family situation, personal, professional, and your financial position by ensuring that you are up to paying your debts.
The recommended documents to prepare
There are many files to provide from the first meeting, with respect to knowing if we go to the agreement in principle. First, you must bring a valid piece of ID. After , we must provide a proof of address of less than three months , the last three payslips or proof of income and allowances, the employment contract or other proof of our employee status, and also, proof of our request like an invoice or an estimate or a sales agreement. For the managers of companies, they will have to deliver their last fiscal bundles. The creditor wants his forecast balance sheet and his future signed estimates .
My advice to increase your chances
The creditors remain cautious, we must indicate a complete file, a well-defined project, and a well presented situation. The probability appears with employees on permanent contracts and couples who already have their job. But rest assured otherwise, the bank will not refuse you, she will study your file. Also, an initial contribution of 10% of the amount to spend shows guarantor in front of your company. It will be useful to see your request validated all the time in order to activate the process . So, we have to wait for their decision, she wants you to have that you go elsewhere even if your solvency remains average. Our great success to us, if we know each other longer, that we were his customers since always, she already knows our base salaries, our monthly expenses, she will be able to offer us a price of interest more attractive.
The different types to choose
There are several choices on this service, among them the credits allocated . They allow to capitalize a certain good like the real estate, the car, the motorcycle, … There is the personal loan . And the other renewable , it is a real incentive to consumption , as well as over-indebtedness. The last, that of free , or a zero rate loan . The amount borrowed will be the amount refunded.
Many files are needed to obtain this agreement . Here are some tips to make your dream come true by borrowing a few bills, making life better than before. Many French people offer themselves to this type of life, their capitalization solution, to build their lives a little by buying a new car , by changing their phone into a tablet, by renovating their house …