Are you unemployed and without a solution to repay your loan? Find out more about the solutions available to you to deal with this situation.
There are no legal proceedings against me, no declaration of insolvency, no ZEK codes, I have a job, and yet my application has been refused. Why?
Many people wrongly believe that presenting a loan application with no legal proceedings, no ZEK codes, and a stable professional situation will necessarily lead to a loan being granted. Find out more about the 8 most common reasons for rejection despite a sound financial situation.
From the 1st of January 2016 onwards, no more targeting young people, no more suggestions that loans are approved quickly or without examination, no more offering loans for short-term leisure activities such as weddings, holidays or birthdays, no more using abusive economic arguments or startling or ambiguous sales methods.
The conditions for granting a loan have become stricter since December 2015 with regard to the budget calculation, the repayment period has been extended from 72 to 84 months and the cancellation right will change from 7 to 14 days on the 1st of January 2016.
The points that require particular attention when dealing with a broker are the copy of the agreement, administration fees, cancellation right, prepayment conditions, interest rate and repayment period, mandatory and optional insurance, and checking whether the broker is approved.