Professional loan: an idea to get started!

Everyone has dreams and plans, but there are fewer who can afford them. Indeed, starting a business is not easy with many steps and obviously enough funding. Let’s talk today about the specific issue of professional loan , an effective solution to build your own box. Let’s discover all the conditions and specificities of the professional loan .   What is a professional loan? The professional loan is for self-entrepreneurs creating their business and companies in the process of creation. Several professional fields are concerned: Small enterprises Agriculture craft Association Trade Liberal professions For professionals especially, several trades can claim…

Loan redemption fees in detail

This is a subject that comes back very little on the web and which nevertheless has a great importance: the costs related to a grouping of loans. Group your loans: it’s free? The repurchase of loans is a banking operation set up by banks or brokers with the purpose of reducing the amount of the monthly payments. This is an operation administered by financial companies, ie it is not a free formula. Some associate too quickly the notion of pooling loan to that of over-indebtedness (managed by the Bank of France) or Cresus, a federation that fights for over-indebtedness, but…

Real estate loan without a CDI: it’s possible!

If everyone wants to have a permanent contract, it is because it makes it possible to obtain a mortgage much more quickly. And yet, it is possible to become an owner with a fixed-term contract. However, there must be two conditions: the existence of a continuous job and the sector must be a carrier. Focus on real estate loans for fixed-term contracts. Most importantly, the sustainability of income An old adage says that we only lend to the rich. This is a false truth, because in reality, one only lends when one is sure to be reimbursed. Moreover, a praetor…

Can a loan repurchase organization be better placed than my bank?

In truth, there is little competition between institutions specializing in the repurchase of loan of individuals and the banks of deposit. The reason is very simple, the latter are few to practice this type of operations and when they practice it is with a lot of restrictions.   A financial technique of iob  The purchase of loans for individuals is a financial technique that was initiated in France in the 1980s by intermediaries in banking operations from a very small number (they counted on the fingers of one hand) of pioneer establishments in the matter. It was always these BIOs…

The revolving loan is not dead

Criticized many times, some professionals have even thought at one point of a possible disappearance of revolving loan. In the eyes of many consumer associations, UFC-Que Choisir en tête, this product has long been castigated, deemed too expensive and responsible for some of the over-indebtedness situations.    loan agencies have since adapted to new reforms and the various measures imposed by the government. Warn the consumer and no longer impose the revolving loan , as it could be seen some times (loyalty card backed by a loan), has put this product back on track. At present, this loan has evolved…

Repurchase of loan for tenant

It’s no secret, the status of housing is a fundamental element in a credit consolidation operation. As a result, proprietary profiles will have more of an incentive to consolidate their loans than tenants. Tenant: loans to be bought back Restructuring credits requires the use of an organization, either its own bank, a credit institution or an intermediary in banking operations. There are three different structures capable of meeting a refinancing need for a rented household. Bank It happens regularly that the customer’s bank offers a solution for debt restructuring, this solution is often offered to customers with a “clean” profile…

Undertake a renovation through a loan works

Well-being sometimes also passes by a more beautiful home. However, renovating one or more rooms of the house is not given. Indeed, it usually takes more than a thousand euros.   This type of expense is even more serious for young people wanting a better home. There is a financial solution for people facing this problem, it is work loan.   What is a loan work? A loan works is an offer from a financial institution to finance the work of a house or apartment. It may be a renovation, an extension or a development requiring a sum less than…

Real estate loan: confirmation of the rise in interest rates

2017 is the year that marks the continuing rise in mortgage interest rates. Indeed, the increase in these rates, which began in the last half of 2016, continues to soar. Regardless of the duration of the loan in question, interest has increased significantly. Yet the real estate market has not lost its momentum. This upward effect has, on the contrary, revived the ardor of investors in the field. Focus on this particular situation of the year 2017. The mortgage, a way of funding still very popular in 2018 In the context of a real estate investment, financing is an essential…

Fast loan easy to get, the steps to follow

In case of urgent need of liquidity, it is advisable to subscribe to a loan to obtain money in a short time. However, as applying for loan from a lending institution requires many conditions, it can be a real mishap for some people. To help you, here are some solutions that will help you get a fast loan.   I want to get loan faster, what should I do? It is worth noting that the loan granting process depends on the type of project desired. In fact, it is easier to buy a loan to finance daily needs or to…

All about fixed rate loan

The loan rate (or nominal rate) is the amount you will pay in addition to the repayment of the amount you borrow. In other words, it is the cost of the loan, excluding fees, insurance, guarantees, etc.   You have the choice between 2 types of rates for a consumption or real estate loan: The fixed rate : it is fixed at the time of signing the loan agreement. It does not change during the term of the loan The variable rate : this type of rate is modified during the term of the loan. The comparison of the offers…