Your loan file is divided into 3 parts:
- your project itself;
- your repayment capacity;
- your personal situation.
The choice of your financing (assigned credit, personal loan) depends on two points: the nature of your project (acquisition of a car, realization of work) and the amount of the operation.
- If you want to buy a vehicle and you have a specific model in mind, choose an affected credit, a personal loan, long-term lease (LLD) or LOA (lease with option to buy);
- if you want to buy a property without justifying the nature with the lender, it is advisable to take out a personal loan;
- if you have one-time cash needs, opt for revolving credit instead.
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The repayment capacity
The lender analyzes your expenses and monthly income to determine your repayment ability.
To carry out a preliminary study of your project, the Credit Guide provides you with simulation tools to determine your repayment capacity and the level of your monthly payments.
Several supporting documents related to your personal situation are required. The information relates to:
- your identity (first name, last name, date and place of birth): national identity card, passport;
- your professional situation (type of contract, seniority): employment contract;
- your income (wages, rents or pensions received): pay slip, tax notice;
- your expenses (rents, pensions): receipt, bank statements;
- your banking identity: RIB, IBAN
Our advice is clear: take care of editing your file. It must be complete, with all the supporting documents. This will save your advisor time and reduce the time to obtain funds.
In addition, do not hesitate to provide additional supporting documents (a quote for example), even if they are not requested. They will reassure the lender as to the reliability of your project.