Before give you a credit, the establishment in particular ensures that:
Certain categories of loans, for example, are reserved for persons whose
income does not exceed a certain amount. Similarly, a minor may borrow only a
credit.
Your financial situation is compatible with the
amount that you want to borrow and with repayments you have to do.
The jurisprudence is clear that the Bank has a duty to warn the borrower
not notified in writing on a credit operation risks taking into account its
financial capacity and debt which results from the operation.
Your interlocutor will check also that you have not known incident of payment
in the past, but this type of verification to the national file of the
reimbursement of individual incidents (see why is it registered to the FICP on
the website of the Bank of
France shall however not prevent to
grant credit. It allows to know people still have an unresolved credit payment
incident or who have a record of current indebtedness (within the limits of the
legal time limit). Above all, are enrolled in the FICP that people who have had
incidents of payment. The notion of positive, widely discussed file on
the occasion of discussions on "credit consumption" law, would allow
the bankers to know, for all customers, including those who have not yet known
incident of payment - the State of debt - at least in France.
Some basic before borrowing tips
Before you take out a loan, make sure you do not take a too heavy
commitment. Do simulations with the calculators on our site and do not hesitate
to ask simulations to your institution. They will show you precisely the
refunds you'll have to perform according to the amount borrowed and the life of
the loan. Do not forget that without exception, the monthly payments
continue to be due even if your income declined.
Whether it is for obtaining a mortgage or a credit for consumption, the
establishment you address a prior loan offer that describes the characteristics
and conditions of the loan. Following the receipt of this prior offer, whose
period of validity is 15 days for a credit, consumption and 30 days for a
mortgage you have a period of retraction or reflection. Remember to use
this time to reflect on the mastery of your future commitments, prior to the
actual signing.
When you compare the different offers that you are made, take into account
all the elements. Make your comparisons from the TEG (percentage rate)
proposed. Mandatory in all offers and all acts of loan, as well as in
advertisements, it allows you to have a vision of the overall cost of your
financing and compare to competing offers of credit. TEG incorporates all of
the costs required for the realization of your funding: nominal interest fees,
cost of compulsory insurance. Also take a look at the other selection
criteria that insurance, guarantees are taken by the institution, the early repayment conditions
described in the contract of loan etc...Of course other advice tailored to the
type of subscribed (real estate or consumer) credit you are given in the
corresponding topics
When you purchase a credit, the rate that you are granted cannot be higher
than the rate of wear. This rate is calculated every three months for each
class of loan from the average rates charged by banks during the quarter. It is
published in the Official Journal at the end of each calendar quarter and can
be consulted on the website of the Bank of France.
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