Bank credit: real estate and consumer loans

Bank as a large world bank is present on the French market. It offers a whole range of Bank credit for individuals but also for professionals. Find out in the rest of this article their different loans.

Bank credit: consumer loans

Here is the Bank credit range:

  • The Bank personal loan
    This Bank credit makes it possible to finance any need for money (travel, furniture, marriage, etc.) without having to justify its use.
    The maximum amount borrowed is $ 25,000 over a maximum repayment period of 72 months.
  • The works loan Bank
    This Bank credit is intended to finance any type of work. Proof of purchase will be requested . It will generally get a better rate than the personal loan.
    Note that for works with mortgage guarantee, a special mortgage for works with an even more attractive rate will be more suitable.
    A work loan with a preferential rate is also available provided that the borrowed amount is used for ecological purposes. This Bank credit is called the environmental work loan.

The Bank credit range is not complete because the bank does not offer auto loans, revolving loans or credit groupings.

Before opting for Bank credit, it is helpful to compare their offers to other credit agencies.

Bank also offers a student loan for young customers.

How to take out an Bank loan

In order to be able to take out an Bank loan, it is necessary to be a customer of the bank. It is possible to complete the steps to become a client in a few minutes directly online.

For customers, the subscription of an Bank credit unfortunately cannot yet be carried out online, so it will be necessary to make an appointment with his adviser. This appointment can be made directly online. For any information on these products, you can call 0 810 246 810 (0.09 $ / call + call price) where advisers are available Monday to Friday from 8 a.m. to 10 p.m. and Saturday from 9 a.m. to 5.30 p.m. .

Bank home loan

The home loan is the backbone of Bank credit. There are many types of Bank loan to meet the needs of its customers as much as possible.

  • The Bank fixed rate loan
    It is the credit with a fixed monthly payment. It is therefore no surprise for the borrower who will repay the same amount throughout his Bank credit. It is accessible from a loan of $ 20,000 over a repayment period which cannot exceed 25 years.
    At the request of the client, it is possible to change the monthly payments of the Bank credit upwards or downwards in order to adapt them to their salary developments. This is a real advantage which is not present in all fixed rate mortgage loans.
  • The Bank adjustable rate loan
    As the name suggests it is a loan with a rate that evolves according to variations in market indicators. The monthly payments are therefore likely to go up as well as down. This credit is available from $ 20,000 over a maximum period of 20 years. During the life of the credit contract, it is possible to choose to switch to a fixed rate loan. Another significant advantage is that there are no prepayment penalties.
  • The loan in fine
    During the term of the contract, only the interest is reimbursed via the monthly payments. The capital is reimbursed at the end of the contract. This credit is particularly suitable in the context of a rental investment. It also allows tax deduction of property income. The rate is fixed and the repayment period is limited to 15 years.
  • The bridge loan
    It allows the borrower to buy new property before the sale of the old property has taken place. The maximum duration of the bridge loan is 12 months.

To take out an Bank mortgage, 3 possibilities:

  • move in agency
  • call 0 810 246 810 (0.09 $ / call + price of a call)
  • apply for credit online and get a basic response in 10 min

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