Credit: banks’ preferred borrower profiles

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2.95% over 20 years for a single 29-year-old first-time buyer in Clermont-Ferrand, 2.85% for a couple in their thirties in Montpellier, and 2.82% for a couple in their forties from Brittany… what are these favorite profiles who get the best rates? Who are the most promising candidates? How to optimize your loan file and your […]

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Mortgage loan: borrowing conditions still favorable

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Mortgage loan rates stabilized at 1.47% on average in April 2018. Borrowing conditions are still favorable. However, if the duration of loans is extended to compensate for the increase in property prices, this is not enough to reverse the loss of household purchasing power.   Attractive rates that boost the purchasing power of French households […]

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The new faces of consumer credit

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With the economic crisis and the impact of the reform of the Lagarde Law, consumer credit has evolved. Today, despite the precariousness of employment, fixed-term and temporary workers can benefit from numerous dedicated offers proposed by banks for people usually excluded from consumer credit. Remember that 20% to 30% of consumers do not have access […]

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How to take out a credit despite rejection

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If a bank refuses to lend to a loan seeker because they cannot meet the requirements for the loan, loan seekers usually have a problem. They often wonder if there are ways to get the loan despite being rejected by the bank. If consumers understand correctly why banks make which decisions, they will be able […]

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