Accessible from specialized institutions, the personal loan officer is made available to people working in the public service looking for a quick financing solution. This is a low-cost consumer credit formula created to help you realize your personal projects without having to provide input or proof of use. The amount of the loan and the terms of repayment will be determined according to your financial capabilities. All you need to know about the personal loan officer.
How to get a personal loan?
In France, the personal loan is offered by two main bodies: the Social Credit of Officials (CSF) and the BFM Bank. Active since 1955, the CSF is an association that sets up financial services for civil servants, including the public credit of CRESERFI and the brand SEDEF. As for BFM, its 25 years of service have confirmed its role as a confirmed partner of officials looking for financing solutions on the best terms, including the official loan set up in collaboration with Gen society.
Concluded according to the terms of a credit without justification, the personal loan official grants you a financing ranging from 3 000 $ to 20 000 $, for a duration of repayment of 12 to 72 months with fixed monthly installment. To help you better manage your budget, the employee’s personal credit repayment plan is determined in advance.
The conditions for granting a personal loan employee vary from one lending agency to another, but you can reassure yourself whether you are a permanent employee, contract employee or trainee in any public office. This offer is also available to spouses and children of civil servants, elected representatives (national, local, European) and employees of public institutions. You can also qualify for a personal employee credit even if you have a private law contract but you are working in a company with state involvement.
Because the credit institution essentially relies on your ability to repay, the personal loan will be granted to you only if your debt ratio allows you, and you do not appear on any of the files of the Bank of France. You will also be asked to provide documents to compile your credit application file and the most requested pieces are a copy of the ID, a RIB, a proof of address and the last payslip.
CSF Staff Loan
To access a personal loan officer at Credit huj start by making an online simulation of your loan on its website csf.fr. Easy to use, this tool will help you calculate your personal loan from the amount you need. A summary of the characteristics of your credit will remind you of the amount you wish to borrow, the repayment term, the cost of a monthly payment, the total amount due for this loan and the fixed annual percentage rate of charge (APR). From these data, you can make comparisons with the offers of other credit institutions that offer a personal loan officer.
The personal loan officer of BFM
The Banque Française Mutualiste offers public sector agents exclusive credit offers at attractive interest rates. This is the case of the personal loan officer, better known under the name “Loan BFM Freedom All Projects” which wants to be the solution to all your projects, whether to organize a trip, start development work, etc. . To access it, go directly to the bfm.fr website and consult the offers. There you will find the details of the BFM Freedom Loan-All Projects at Fixed APR. To have the characteristics of your personal loan, make a simulation indicating the amount you want to borrow, the repayment period that suits you and the cost of a monthly payment. This information will then be summarized by already showing you the differences if you opt for insurance. If all is well and the details of your credit are right for you, you can continue the process by sending your application online loan personal staff.
With this personal loan BFM official, you enjoy considerable benefits, including the freedom to spend the funds released, without you having to provide proof of use, an attractive interest rate, conditions Refunds tailored to your financial capabilities, deferred amortization options of 1 to 3 months maximum, no filing fees and secure loan insurance.
A personal loan officer at the best rate
Because they enjoy professional stability and steady income, civil servants have always been high-potential clients for banks and credit agencies. This gives you a margin of research to compare their offers and go looking for a better rate for a personal loan officer. To get there, you can either go around the financial institutions to compare their offers, or simply use the online simulation tools and comparators that will search from the amount you want to borrow and the repayment term, and list the offers of the banks based on the most advantageous interest rates.
With online simulation, the process will take less time and the process is free and without commitment. And as soon as you have obtained the results of the simulation with the different offers of personal credit for officials available on the French credit market, you will choose the one that will seem the most interesting based on the data that was sent to you. In addition, staff loan experts will contact you to advise you and guide you in the process to follow.
To negotiate your personal loan
Even if your business gives you considerable benefits with the official staffing loan offers, it is quite possible that you already have other credits outstanding, such as a home loan or car loan. With this new loan, do not hesitate to highlight your qualities to obtain a favorable functional personal loan. So, in the interview with the banker who will take care of your file, put forward your savings to imply that you have the capacity to save and that you manage your expenses well. What’s more, the quotes obtained through online simulations on consumer credit comparison sites will serve as arguments to compete with much more advantageous proposals. This is important because many people are unaware that it is possible to negotiate the interest rates of a personal loan officer. So you increase your chances of obtaining a loan at the lowest cost by taking the time to compare offers on the market and opting for the one that best meets your needs, that is to say that you have access to the amount This will be used to fully finance your project, while paying interest and monthly payments with an amount well supported by the household budget and your ability to repay.