Credit organization -What is a credit organization?
A credit organization is a financial institution capable of offering loans to individuals. The credit organization will lend funds to households, receive their monthly payments, take care of the management of the credits put in place and make means of payment available to beneficiaries. Each credit organization will define itself the loan conditions it sets up while being subject to legal obligations. This type of institution is also called a specialized financial institution.
Credit institution and legal regulations
In order to guarantee the safety of borrowers with any company that exercises the activity of a credit institution, the latter is obliged to respect certain rules concerning in particular the verification of the solvency of applicants, the transparency of its information, and its communication to of the general public.
Any credit institution must check the creditworthiness of credit applicants before granting them one. This was made compulsory in order to avoid encouraging household over-indebtedness. If a person who is already in debt is granted a loan, their debt ratio will rise and reach levels far too high to be repayable. Thus, a credit organization must consult the file which will identify any payment incidents before making the decision to grant a loan. Traditional credit organizations generally do not grant consumer credit to people listed in the FICP. The over-indebted people will have to make their loans with credit organizations for specialized banking prohibitions . Be careful, however, this type of credit for ficp will be much more expensive than an ordinary credit.
If the loan operation is done at the point of sale or remotely, the credit institution or its intermediary must give a "dialogue sheet" to the beneficiary. This is an information sheet where it will be necessary to mention your resources, your expenses, and your possible loans in progress. You will have to certify on the honor of the truthfulness of the information indicated on the dialogue sheet in addition to signing it (or validating it electronically). Since 2010, if the requested credit is greater than € 3,000, the form must be completed with an identity document, proof of address and proof of income.
The credit organization from which you are going to apply for a loan will have the obligation to give you all the information allowing you to determine whether the requested offer is suited to your needs and your financial situation. According to the consumer code, the credit organization must clearly explain what are the essential characteristics of the proposed loan (s) and what will be the consequences on your finances, in particular concerning the interest rate, the monthly payments, and in case default of payment. The person or persons responsible for providing these explanations must be trained in the distribution of consumer credit and the prevention of over-indebtedness.
Since the start of 2011, any credit institution must provide all applicants with a standardized pre-contractual form on which information is given. This allows the consumer to be able to play the competition more easily since this standardized sheet allows better visibility of the conditions of each of the offers. It is now easier to compare loan offers and their establishments.
The aforementioned sheet will indicate the following information in particular:
- The type of credit offered by the credit organization
- The conditions for making funds available
- The amount of the transaction
- The duration of the contract
- The number of monthly payments and their frequency
- The amount owed by the borrower
- The annual percentage rate of charge (APR)
- The existence of a withdrawal period
If the credit institution does not meet its obligations and grants credit without having previously communicated the pre-contractual information, check the solvency of the applicant, or if it does not comply with its obligations concerning the withdrawal period, the law provides for the possibility of withdrawing any right to dispose of the agreed interest. Thus, in the event that justice pronounces this sanction at the request of the beneficiary of the loan, the latter will be required to repay only the loan without interest. The sums relating to the interest rates which will have already been collected by the credit institution will be returned or charged against the outstanding capital.
In terms of communication, a credit organization must also respect rules for each advertisement that it sets up regardless of the medium used. Posters, mail, internet ads, TV spot, etc. Any advertisement used by a credit institution must include certain information in order to avoid creating possible confusion for the consumer. Indeed, nowadays advertisements for credit offers are commonplace and without regulation, the latter could lead to believe in offers more advantageous than reality.
Thus, when one is faced with an advertisement for a credit offer, special attention must be paid to the nature of the offer (fixed, variable, or revisable of the interest rate), to the annual percentage rate of charge (TEAG ) which includes the interest rate and other costs excluding insurance, and with the numerical example indicated, this allows a clear and meaningful visibility of the offer.
For information, any organization that does not comply with the rules applicable to it in terms of advertising will be obliged to pay a fine of € 1,500.
Who are the credit organizations?
There are many companies operating as a credit institution in United States and they exist under different categories. Any legal person whose main profession is banking operations, namely the reception of public funds, credit operations and the management of means of payment, is considered a credit institution.
Among the credit organizations, there are several types of institutions:
- Banks (they alone represent half of the credit organizations. Some are even specialized in the activity of consumer loans.)
- Banks with cooperative status: Cooperative banks are banks without shareholders. The owners are the customers. This category of credit organization represented by cooperative banks is very important, for example it is at the origin of 50% of loans in United States. In the United States, the most famous cooperative banks are: Credit Mutual, Savings Bank, Banque Populaire, and Regional Farm Credit Unions.
- Banks in capital companies: These are companies whose capital is mainly made up of contributions from shareholders. Capital companies are generally companies whose initial activity is for commercial purposes. A bank in a capital company is generally a subsidiary of a larger company that wanted to open up to the activity of a credit organization. For example, in the United States several automobile companies have opened their own credit organizations such as Renault with Diac and Peugeot / Citroën with Credipar.
- Municipal credit unions: A municipal credit union is a municipal public institution which has an absolute monopoly on pawn shop operations. These municipal credit unions also distribute the same banking services as those of a credit organization.
- Financial companies: A financial company is a group of companies and / or quasi-companies whose main function is to provide financial intermediation services and auxiliary financial activities (banking, insurance, and financial auxiliaries). As such, a financial company is considered to be a credit organization.
- Specialized financial institutions: This is a credit organization to which the State has entrusted a permanent mission of public interest. A financial institution is therefore subject to a financial authority when it is specialized in a field.
- Payment institutions: In 2009, the Payment Services Directive set up payment institutions. This decision was taken in order to harmonize the payment services market in Europe by allowing more institutions, especially medium-sized ones, to legally provide credit agency services.
In short, it is important to differentiate a credit organization from a bank. A bank is, among other things, a credit organization since it has the capacity to offer loans but also many other services. Conversely, a credit organization is not necessarily a bank since many financial organizations can exercise the activity of a credit organization.
Half of the lending institutions are traditional banks, capable of offering a number of products, but the rest of them are specialized in the activity of credit organization and do not offer other services than those of reception and implementation. provision of funds for means of payment as well as the management of credit contracts.
Credit organizations for individuals
There are many companies performing the role of credit organization, offering different types of loans for individuals:
- Banque Casino: Subsidiary of Groupe Casino and Crédit Mutuel CIC specializing in payment, credit, insurance and mutual health products.
- Carrefour Banque: As its name suggests, this credit organization is a subsidiary of the Carrefour Group. He specializes in offering banking services such as consumer loans, credit consolidation and various savings solutions.
- Cetelem: BNP Paribas subsidiary famous for its green mascot which markets a full range of banking products (consumer loans, savings solutions, insurance, etc.)
- Cofinoga: This is the consumer brand of the LaSer group (Contraction de Lafayette et Services) whose main activity is the service solution. As a credit organization, Cofinoga offers services to individuals such as loan repurchase, car loan, or work loan.
- Franfinance: This credit organization belongs to Société Générale and offers a number of loans such as car loans, works loans, project loans, eco-renovation loans, etc.
- Younited Credit: Younited Credit is a platform for connecting investors (lenders who have savings) and borrowers (individuals looking for credit). This platform makes it possible to finance consumer loans or life projects: Marriage, Birth, Work, Travel, Automobile, Motorcycle, etc.
- GE Money Bank: It is the French subsidiary of GE Capital, which is itself a branch of the GE Electric group. This credit organization is able to offer mortgage loans, consumer loans, work loans, loan buybacks, etc.
- Oney: Formerly Banque Accor, Oney is the subsidiary of the Auchan group which operates as a credit organization by offering consumer loans, payment solutions with bank cards and store cards, and credit solutions. 'savings or provident fund.
- Rouaix Finances: Financial institution of the Rouaix Group, the Rouaix Finances credit organization specializes in credit redemption.
This non-exhaustive list of credit organizations attests to the different products and services they can offer.
The different credits of a credit organization:
Among the services offered by a credit organization, there is the management of credit contracts, and therefore the receipt and remittance of funds from individuals.
Unlike a bank, a credit organization cannot expand its activity in other areas. Moreover, most of the time, a credit organization belongs to a larger company which, at one point, wanted to diversify by opening an entity capable of carrying out this activity. It is, for example for a large commercial group, a way like any other to invest its profits in a lucrative activity in the long term. By making funds available to individuals, the company, through its activity as a credit organization, secures a fixed monthly income and interest on advanced funds. A credit organization is able to offer several credits
It is undoubtedly the most common credit among the offers of a credit organization. It is very common to see a credit organization specializing only in consumer credit.
Consumer credit in general a number of goods and services. This is the credit granted by a credit organization intended for individuals to enable them to purchase major equipment such as furniture, household and household appliances, or even vehicles. In short, it makes it possible to finance any type of property other than real estate.
There are different types of consumer credit: assigned credit, personal loan, revolving or revolving credit, rental with purchase option (LOA), free credit, private card (credit card), mortgage life loan, personal microcredit, loan student guaranteed by the state.
Among all these types of credit, it is important to differentiate the affected credit from the so-called personal credit. The affected credit is affiliated with the purchase of a specific good and for example, if the purchase in question does not take place, the affected credit agreement is null and void. Conversely, a personal loan depends only on the amount advanced and not on the good or service purchased. A personal loan can be used to finance several goods.
The consumer credit granted by a credit organization is between € 200 and € 75,000 and the duration of its repayment must be made over a minimum of 3 months. The amount of credit granted and the duration of repayment depend on the solvency and needs of individuals that the credit organization is required to study before signing the contract, as well as the insurance that will accompany the credit. Once the contract is signed, any borrower has a 14-day withdrawal period.
As its name suggests, car credit is a consumer credit that a credit organization can offer to individuals to finance their vehicle purchase. This is an affected asset, unlike a personal asset, it will only be used to finance the vehicle, no more and no less.
As a consumer credit, the car loan can go up to € 75,000. The shorter the term of the loan, the lower the interest rate and the lower the total cost of credit. A short-term loan will reduce the total cost of the operation since the interest rate will be lower.
Since a car is a semi-perishable good, since it has a long but limited lifespan, special attention must be paid to the loan repayment period to ensure that you are able to repay your loan before the car arrives. at the end of life. This is the calculation of the amortization of the purchase.
At any time, it is possible to repay the car loan in advance.
A credit organization can also specialize in the marketing of mortgage loans, such as Crédit Foncier, for example. The mortgage is a long-term loan which allows to finance all or part of the acquisition of a property or work on it.
This can relate to a main or secondary accommodation, or to a rental such as a house, an apartment or an entire building.
There are several types of real estate loans: amortizable loan (repayable regularly by installments, often monthly), loan in fine (repayable in one go, at the end of the loan), fixed rate loan (borrowing rate known from the start of the contract and not varying), variable rate loan (the amount of interest may vary in real time depending on the direct evolution of a reference rate, to which is added a fixed lender margin), adjustable rate loan (the amount of interest may vary according to a financial index, for example, on a revision date fixed in advance), loan at "capped" rate (the evolution of the variable or revisable rate is limited to within values known in advance, either for a fixed period or for the entire duration of the credit), progressive or declining loan (providing for maturities varying upward or downward), tiered loan, flexible loan.
The personal loan works:
As the name suggests, this is a personal loan. Unlike an affected loan , it does not depend on a single purchase but on the various desires of the borrower.
Personal work loans can be used to finance several works: work to save energy, carpentry, plumbing, electricity, interior decoration, renovation of a room (kitchen, bathroom , attic etc.), or simply the purchase of materials.
The work can be carried out just as much by craftsmen or professional companies as by the borrower himself, his family, his friends, etc.
The repurchase of credit:
The repurchase of credit, which can be proposed by a credit organization, makes it possible to modify the conditions of one or more current credit contracts by changing the provider. An individual who subscribes to a repurchase of credit can combine the various credits that he has in progress to pool them and only have one monthly payment to repay.
The repurchase of credit therefore also allows to have a better visibility of its budget. It is in itself a possibility to put an end to the accumulation of credit and to modify the duration of the short credit to extend or shorten it according to the financial means available to the household concerned.
By offering the repurchase of credit to individuals, a credit organization ensures to acquire new customers who today are in the competition. In return, since the latter buys back the current loan (s), it will have to reimburse it to the organization (s) requested in advance.
A credit organization is therefore able to offer various credits including any type of consumer credit and certain other credits such as mortgage loans. In addition to loans, a credit organization can also offer other services, limited in number.
Credit institution, services offered in addition to loans:
Payment solutions offered by a credit organization:
A credit organization can offer payment solutions through an optional credit card. The latter is directly linked to a revolving credit in place. As part of a revolving credit, the credit organization makes a specific amount available to an individual. The borrower may or may not use it, in whole or in part, for his daily expenses.
Once the funds made available are consumed by the borrower, the credit institution sets up monthly payments fixed in advance to be reimbursed. Its monthly payments will then make it possible to constitute a new reserve of money which the borrower can once again have, hence the renewable nature of this credit.
The credit card attached to the revolving loan and offered by the credit organization will:
- Make purchases from merchants and brands that accept the credit card associated with revolving credit.
- Withdraw money from an automatic cash machine that accepts the credit card associated with the revolving credit, within the limits of the amount available.
- Make cash or credit payments
There are two types of payment cards offered by a credit organization:
- Private cards: which allow purchases from shops, stores or major brands affiliated to the payment card network
- Bank cards: which allow purchases from all businesses in the United States blue card network and Visa or Mastercard networks abroad
Credit insurance offered by a credit organization:
Most often, credit insurance is not yet compulsory for borrowers who apply for credit from a credit organization. That being said, it is still strongly recommended for each signature of a credit agreement.
This is insurance designed to protect the borrower. This can cover several types of risk: for example death, total and irreversible loss of autonomy, illness-accident and loss of employment following a dismissal of the borrower.
In the situation where one of its risks arises, it is up to the insurer to reimburse the loan in place of the insured:
- either the capital remaining due in the event of death or total and irreversible loss of autonomy,
- or monthly payments for a period fixed by the contract in the event of illness-accident or loss of employment following a dismissal.
The conditions to be met to be guaranteed and the conditions for implementing guarantees are established in the credit agreement. For example, it is sometimes necessary to complete a medical questionnaire before signing the contract in order to define what will be the guarantee conditions of the contract such as the risks covered and the waiting days.
After having toured the products that a credit organization can offer, it is important to remember that this can also be offered by a traditional bank. It should also be remembered that banks have a broader profession since they can offer other services.
As such, it is quite legitimate to ask what are the differences that these services of a credit organization will have compared to those of a bank.
Credit institution and bank: what are the differences?
Regardless of their main activity, banks and credit organizations will have differences in the level of services they offer. These two types of organizations share the consumer credit market, with a 60% market share for specialized credit organizations. This predominance of the credit institution over banks in the market is due to the fact that it is subject to fewer legal obligations than a bank, and this fact is more flexible for individuals.
Credit organizations are the most suitable financial institutions to be able to provide individuals with consumer loans without proof. This means that the borrower is not required for a quote or proof to the credit organization which will grant him the loan. This is valid for personal loans and not for affected loans. Personal credit is also the loan without proof most requested by borrowers. Thus he is not obliged to justify himself on the use of the funds which will be made available to him.
Please note, a loan without proof does not mean that the borrower is not obliged to justify his income to be eligible. The credit institution will not be spared from the legal regulations which incumbent on it such as that of the credit check of the borrower. Only an immediate online credit can be obtained without proof of income and this provided that the request is less than 3000 €.
The advantage of a personal loan without proof allows, among other things, the individual borrower not to reveal his private life in the sense that the applicant will not be obliged to provide information on the property in which he wishes to invest.
Another advantage of this type of credit: The operation is carried out much more quickly since the file to be assembled is not the same. This is a huge added value for people who need money in a very short time. The support by the credit organization is faster and the use of funds much more free.
Banks being the only ones able to market all types of banking products, they are the only ones able to take care of the management of bank accounts.
Credit institution: An alternative solution to the refusal of a bank
It sometimes happens, following the study of a file, that a bank refuses to grant a loan to a household. This refusal may be due to several reasons, which it is not always obliged to communicate to you:
- The household is recorded on the National File of Payment Incidents. This means that the household in question has already defaulted on payment with a bank, a credit institution, or the Post Office. It can be filed up to 15 years after its default. This is the only situation in which the bank or the credit organization is obliged to communicate the reason for the refusal.
- The budget is not consistent with the means of the household. In this case, the household is already in a situation of over-indebtedness, or the establishment of a new loan would lead it there. The bank or the credit organization may deem the operation too risky, considering that the household will not be able to repay all of its credit. Please note, each credit organization has its own criteria and therefore an application refused somewhere could be accepted elsewhere. Here, the reason for the refusal may not be communicated, as well as the criteria defined by the credit organization in relation to over-indebtedness.
- The applicant's profile is considered risky by the requested credit organization. As with the budget, each bank / credit organization has its own criteria to define whether the customer profile has a risk of ending up in litigation or not. These criteria are confidential and the bank is absolutely not obliged to communicate the reason for its refusal. The profile will be evaluated based on the applicant's age, bank, level of education, health, number of children in the household, profession, etc.
Historically, we will note all the same a more lax tendency on the part of a specialized credit organization compared to a bank. Indeed, when a household suffers a refusal from a bank, it always has the possibility of asking another credit organization. A specialized credit agency will often be more inclined to accept a request that has been refused by a bank. This stems from the desire of credit organizations to recover market share.
Credit institution: Risks of over-indebtedness more present
Since a credit organization will more easily accept a loan application that was initially refused by a bank, this implies that the risk of over-indebtedness is more present for the household. Indeed, if the bank refused the loan application, this is not without reason.
Thus, a specialized credit organization will certainly take more risk concerning the budget and the profile of applicants than a traditional bank. This is information that should not be overlooked when setting up a loan.
Over-indebtedness is a significant risk and particularly present nowadays, among other things at the origin of the economic crisis we are facing. A person is in a situation of over-indebtedness from the moment when he can no longer repay his various monthly payments, despite many efforts, and therefore cannot face his debts.
A situation of over-indebtedness is often linked to the accumulation of several credits, becoming too large to be repaid, or even to the drop in household income due to a change in professional situation (modification or end of employment contract) or personal ( divorce, retirement, etc.). Consequently, setting up risky credit, accepted by a more lax credit organization, is an additional risk in the face of a situation of over-indebtedness.
Credit institution: the game of interest rates to cushion the risk
A specialized credit organization that will accept the establishment of a loan when it has already been refused by one or more banks will take more risk. Par conséquent, pour amortir ce risque, en complément des assurances mises en place, l'organisme de crédit va très généralement jouer sur le taux d'intérêt du crédit mis en place. En somme, les taux d'intérêt proposés par les organismes de crédit sont souvent plus élevés que ceux qui peuvent proposés par des banques.
On recense des taux d'intérêt plus importants chez les organismes de crédits spécialisés par rapport aux banques puisque ceux-ci, prenant plus de risque, ont besoin de s'assurer un minimum de bénéfice. Ainsi les mensualités seront un peu plus élevées, en contrepartie de la mise en place d'un crédit qui n'aurait pas été accepté par un organisme de crédit concurrent.
Attention, la hausse du taux d'intérêt engendre un risque supplémentaire pour le bénéficiaire. En effet, ce dernier ayant souscrit à un crédit à risque devra en plus payer des mensualités plus élevées que chez un autre organisme de crédit.
Cependant, aujourd'hui, les organismes de crédit ayant déjà fait leur nid sur le marché des crédits n'ont plus exactement cette même volonté de signer des contrats à tout prix. Effectivement, puisqu'ils sont déjà présents sur le marché et même plutôt bien implantés sur le marché des crédits à la consommation, ils n'ont plus grand avantage à accepter des crédits trop risqués. Ce côté laxiste que l'on peut leur reconnaitre est donc de moins en moins vérifiable, la tendance étant à l'homogénéisation des critères d'acceptation.
Par conséquent, les taux d'intérêt proposés par des organismes de crédit spécialisés sont peu à peu revus à la baisse, visant à s'aligner sur les taux d'intérêt proposés par des banques ordinaires. Cela se vérifie depuis approximativement l'année 2007. D'autant plus que la lutte contre le surendettement se fait sentir et par conséquent, il arrive plus souvent qu'un crédit soit refusé, quel que soit l'organisme, si celui-ci est considéré comme trop risqué.
Que faire en cas de refus de la part d'un organisme de crédit?
Dans le cas où votre demande est refusée par une banque ou par un organisme de crédit spécialisé, il existe toujours plusieurs possibilités à envisager. Le plus simple reste encore d'aller faire sa demande auprès d'un autre organisme de crédit.
Depuis plusieurs années, le secteur bancaire s'est regroupé en plusieurs groupes. Ce regroupement se fait, tout simplement, en fonction des règles et critères appliqués. Certains établissements de crédits et certaines banques, appliquant les mêmes règles, formeront un groupe.
On va noter, pour le moment, 5 groupes d'organismes de crédit en fonction des critères de sélection qu'ils vont appliquer dans l'acceptation des demandes qui leur sont faites:
Banque fédérative du crédit mutuel
Ainsi, par exemple, on devine qu'une demande de crédit qui a été refusée par le Crédit Agricole aura de fortes chances d'être également refusée par LCL ou Sofinco. A l'inverse, il sera recommandé d'aller essayer de faire cette même demande d'un autre groupe que le groupe B, comme par exemple auprès de la BNB Paribas (Groupe A), Cofidis (Groupe C), etc.
Attention cependant, il reste très important de noter que le refus d'un crédit n'est jamais anodin. Cela sous-entend que la demande est risquée et l'aboutissement de celle-ci, même auprès d'un autre organisme de crédit que celui initialement sollicité, ne sera pas sans conséquence. Parfois, le demandeur devra revoir à la baisse ses exigences et il sera préférable de modifier son dossier plutôt que de le laisser encourir un risque trop fort de surendettement ou tout simplement de le confronter à des refus sans fin. Il est également possible de décaler un projet, de manière à attendre que la situation financière de demandeur s'améliore pour voir son crédit accepté, plus tard, avec de nouvelles informations à fournir.
Organisme de crédit: Démarches et documents à fournir
Pour que la banque et/ou l'organisme de crédit sollicité puisse étudier votre demande de crédit, il est tout d'abord important d'être clair et transparent dans les informations que vous leur fournissez.
Il va falloir informer la banque l'organisme de crédit sur:
- Votre situation familiale: L'organisme de crédit a besoin de connaitre le nombre de personnes qui composent le foyer, les liens qui vous lient à chacun d'entre eux, etc. Cela peut parfois vous permettre de disposer d'aides supplémentaires (prêt à taux 0, etc.)
- Votre situation professionnelle: Il sera important d'indiquer si vous travaillez, sous quel régime vous travaillez (indépendant, chef d'entreprise, salarié, etc.), et quel type de contrat (CDI, CDD, etc.). Cela permettra à l'organisme de crédit d'évaluer votre solvabilité sur le long terme.
- Vos revenus: Il est indispensable de présenter la totalité de ses revenus à l'organisme de crédit. Vous devez informer l'établissement de l'intégralité de vos sources de sources de revenus, en toute transparence et de manière très claire. Plus vous aurez de revenus, plus vous serez solvable, plus vous aurez de chances que votre demande soit acceptée.
- Votre patrimoine: Il s'agit de l'ensemble de vos biens et dettes. Cela permettra notamment de définir votre niveau d'endettement et vos garanties.
- Votre endettement: La bonne foi est vivement conseillée dans la demande d'un crédit. L'organisme de crédit aura besoin de connaitre tous vos crédits en cours pour évaluer selon des critères fiables votre capacité à amortir le prêt demandé.
- Vos garanties: A savoir, vos cautions ou hypothèque. Cela vous permettra d'appuyer votre demande avec des fonds existants. Ces fond étant réels, ils seront un plus dans l'acceptation de votre demande.
Concernant les crédits avec justificatifs, c'est-à-dire tout crédit lié à la l'achat d'un bien en particulier, il vous faudra également fournir toutes les informations nécessaires concernant ce bien (exemple: achat d'un voiture, etc.). Cela signifie que vous devrez fournir un devis du bien concerné avec également les différentes caractéristiques pertinentes concernant ce bien.
Organisme de crédit: Internet comme levier indispensable
De nombreux organisme de crédit utilisent internet comme levier de dématérialisation. Certains organismes de crédit ou certaines banques en ligne ne passent plus que par internet pour leur communication de manière générale. La demande du crédit se fait alors directement sur internet et la réponse à cette demande se reçoit également en ligne.
Cela permet une plus grande rapidité des études des dossiers et de l'acceptation de ceux-ci. Cela sous-entend également quelques contraintes, comme celle de ne plus avoir à faire à un conseiller en direct. Entre avantages et inconvénients, le cœur des français balance. Pouvoir démarrer un projet le plus tôt possible ou pouvoir discuter avec un spécialiste capable de vous informer dans les moindres détails, telle est la question.
Aussi, l'utilisation d'internet pour solliciter un crédit auprès d'un organisme de crédit engendre un risque supplémentaire: celui des imposteurs et des arnaques. Certains sites n'hésiteront pas à copier de vrais organismes de crédit voir même à usurper leurs identités pour arnaquer les particuliers. Ces arnaques fonctionnent le plus souvent sur la mise en place de frais administratifs anticipés pour faire payer le particulier. Certaines arnaques peuvent aller plus loin en vous accordant un crédit et en mettant à disposition un chèque plus conséquent que la somme initialement demandée. Il vous sera ensuite demandé de rembourser la différence sur un compte nouveau.
Afin d'être certain de na pas avoir à faire à un faux organisme de crédit, il est possible de consulter la liste des organismes de crédit autorisés sur le site de l'Autorité de Contrôle Prudence et de Rain (ACPR). Toute banque ou organisme de crédit accrédité figure sur cette liste.
Internet est aujourd'hui, pour tout demandeur de crédit, un levier indispensable à utiliser, même si ceux dernier souhaite passer par une banque en physique. C'est une source d'information à ne pas négliger pour pouvoir comparer différentes offres.
Il est fortement conseillé de consulter des sites de simulation de prêt afin de voir ce à quoi votre ménage peut prétendre. Il est également utile de consulter des comparateurs de prêts, qui seront à même de vous fournir une liste exhaustive d'offres de crédit vous correspondant.
Autre possibilité, si vous ne souhaitez pas utiliser internet dans vos recherches, vous pouvez toujours passer par un agent de courtage. Ce dernier vous proposera plusieurs offres et sera à votre disposition pour répondre à vos éventuelles questions puisqu'il s'agit d'un spécialiste sur son marché. Aucun frais ne vous sera demandé par le courtier tant que vous ne signez aucun contrat de crédit. Cependant, une fois le contrat de crédit signé, l'agent de courtage touchera des commissions qui seront impactées sur les intérêts de vos mensualités.
Dans tous les cas, sachez qu'il est indispensable de vous renseigner avant de faire une demande de prêt mais également avant de signer un contrat de prêt avec un organisme de crédit quel qu'il soit, qu'il s'agisse d'une banque ordinaire ou d'un organisme de crédit spécialisé.