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How much loans can one apply for?

When the financial situation threatens to become threatening or, in the worst case, is already threatening, man tends by his very nature to make short-circuited acts. The terrible mistake is that the panic, which is usually associated with financial hardship, narrows the field of vision and also impairs the ability of logical thinking. However, this logical thinking is immensely important …


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What is a toxic loan?

Since the beginning of the US “subprime” crisis and the financial turmoil that has affected the world’s economies, there has been talk of “toxic” borrowing , which has affected not only banks – often origin of the problem – but also states, local authorities and even administrations . What is a loan without risk? To understand how credit can hurt an economy, it’s helpful …


Real estate credit insurance and compulsory consumer loan

When you take out a loan, the bank requires you to take out insurance to cover health risks. Even if it is primarily an obligation of the lender, know that the French legislation protects the borrower and allows him to freely choose his contract. Group or delegation? The group contract The risks are shared, the insured paying the same rate …

The loan insurance delegation of real estate

The loan insurance delegation – if it is authorized by your banker – is part of the guarantees required when you take out a loan. Indeed, the lending organization has a policy of taking a number of precautions. He will first make sure that your income is sufficient (debt ratio limited to 33% of your salary), take a guarantee on …