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l e c r é d i t
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Loan
Of which insurances then I to profit?
You can subscribe an insurance within the framework of your loan:
• An insurance DIM which guarantees, with the help of a periodic contribution, the payment under certain conditions, of the capital remaining due in the event of death of l´assuré, of the monthly payments if l´assuré is in medical stop of work. This type of contract of precaution is usually used like guarantee.
• An insurance job loss which guarantees, with the help of a periodic contribution and under certain conditions, the catch in truck load (100%) of the monthly payments for the period of research d´un new employment. Within the framework d´un credit, this d´assurance type is proposed in guarantee. |
What's time of retractation?
The time of retractation is a time granted by the law to the subscribers to certain contracts to enable them to reconsider their decision after signature of the contract.
Except exceptions, the time of retractation is generally fourteen days as from the signature of the contract. The request must be addressed by letter registered with acknowledgement of delivery and emettor of the contract not the right to consign, where that it is, this refusal. If an installment had been paid, it must be restored completely.
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Can one borrow without personal capital contribution?
Yes, it is possible to loan without personal capital contribution, it's-with-statement without bringing money with operation.
However, you will obtain less favorable conditions and the bank will ask for more security to you.
As an indication, the rate over 15 years for a “rather good” file is on average 5,80% with a personal capital contribution of 30%, against 6,50% without personal capital contribution.
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