Can I take into account my investments, my securities, term or savings accounts to borrow?

Yes, the assets placed in securities, savings, term or deposit accounts can be taken into account to assess your contributory capacity.

In what form will I receive my money?

You will receive your money as a transfer to your current account within three working days at most.

What is an authentic act?

This is an act generally drawn up by a notary or in certain cases a bailiff. An authentic act is enforceable against third parties, that is to say that third parties or people who are not parties to the agreement cannot question the existence of the act. To take out a loan/mortgage credit, you must necessarily go before a notary because the deed of sale and the loan/mortgage credit contract are notarial acts.

What are “conditions precedent”?

These are clauses indicated in the sales agreement which condition the birth of the legal effects of the loan / mortgage credit contract on the fulfillment of one or more conditions stipulated concretely in the notarial deed. The condition being in this case obtaining the agreement of the bank. It is therefore above all a protection for the future buyer in the event that his credit request is refused by the banking organization. Thus, when you sign your sales agreement, it will be subject to the suspensive condition that you obtain your loan/mortgage credit within the time limit set when signing the sales agreement before the notary or with the real estate agency. Concretely, this means that if you do not obtain your loan / mortgage credit within the agreed deadline, it is void (cancelled) unless you obtain an extension of the deadline to obtain your loan / mortgage credit. In this case, things are returned to their original state and each party to the sales agreement is released from their obligations. The seller could thus agree to sell his property to another candidate buyer who would sign a new notarized sales agreement. At Crédit Populaire Européen, we are committed to giving you a quick response so that you can notify the seller as quickly as possible.

I am unemployed, can I borrow?

In principle, if you are unemployed you cannot borrow because your unemployment benefit cannot be seized unless you have a guarantee, that is to say a person who agrees with you and who has seizable income. . In addition, if you own an investment property and have rental income, you can borrow under a mortgage loan.

I cannot complete my online credit application. What can I do ?

Contact us by phone. Our advisors will take your request by telephone.

How does the credit application procedure work? Do I need to make an appointment to apply for credit?

In general, credit requests are taken by our advisors over the telephone. We then submit the file to one of our financial partners who gives us a response within 24 hours. If your application is accepted, we will schedule an appointment for you at one of our agencies so that you can sign your credit contract.

What is “offer to purchase”? - Crédit populaire Européen

Warning, borrowing money also costs money.

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What is “offer to purchase”?

This is the unilateral commitment of a person to acquire property under certain conditions. The offer does not bind its recipient as such unless they expressly agree to it. In this case, the sales contract is formed.