There are many people who want to borrow money, yet there are also those who want to put their money, hence the concept of lending between individuals. The borrower wants to put his plans into action, and the lender offered him this opportunity by submitting to its conditions, including the duration of contraction and the interest paid. To do this, both attest to the existence of the loan in writing. This approach is highly recommended as a guarantee. At the very least, the applicant must provide proof of identity or even a photocopy of his identity card and an address of domiciliation. However, loans between friends and family are much more flexible. In these cases, there is interest rates, nor specific repayment periods and much less paperwork. Despite this, the person borrowing may never recover the granted sum. Therefore, it is always recommended to formalize any loan transaction in writing through a contract to avoid having any regrets later.

He should also know that credit consumer person-to-person transactions are subject to a few rules. About the compensation, it is free, but above an amount of €760, the drafting of an act stating the terms of repayment is required and results in declarative tax obligations. Whatever the person to borrow, it is preferable to establish a writing, through the usual conditions. Thus, the delivery of funds is justified and writing can be seen as an acknowledgment of debt.

Where to subscribe to this type of loan?

To facilitate your credit between particular application, it is recommended to go through crowdfunding platforms. To do this, simply go to the lending between individual agency website and fill in the form provided for this purpose. Generally, fees amount to 1% of the amount borrowed with a minimum and a maximum, depending on the institution. Spend a certain amount, the fees are even free.

Among the financial institutions that offer this type of credit, we recommend the Unicredit website which is a site of loan between serious individual and trust because it is accredited as an institution of Credit by the authority of control Prudentiel (ACP). On this platform, it is possible to borrow, invest or make a free simulation of your loan. It has been developed to satisfy investors and borrowers by providing very reasonable rates compared with banking institutions.

Presentation and review Unicredit

UniCredit is a body of credit between individuals having an innovative and secure internet platform that allows individual investors to directly fund personal loans other individuals with their savings. By overcoming banking intermediaries, investors and borrowers realize a good operation: invest in a responsible savings product that benefits the national economy and whose rate of return is much higher compared to conventional savings rates; and what borrowers, they can take out a personal loan best rate.

Testimonials and reviews

The site of Unicredit retail credit has already granted more than €130 000 000 credit. Indeed, by offering extremely low rates of interest (APR), the platform has attracted many french, like you, looking for credit to finance their project or to meet their needs. Among the thousands of people who have made trust to service, here are a few who have given their opinion on the loan between particular and who testified their satisfaction when to obtaining their loan at Unicredit.

Gelliot: Finally a credit society showing professionalism at a human pace. Application processed very quickly, phone call to verify the information and motivations of the applicant. Subsequently, as foreseen in their commitments. Really recommend.

Zahele: serious because agents are following your issue very closely and contact you if necessary. Clauses are clear and especially between individual loan costs less expensive than banks, I advised this organization which wants to borrow...

Marie: I needed money and I found Unicredit on the internet. I have not regretted all of have contacted them. they have very interesting rates, and they are listening to us. Once the folder and the documents requested return, one week after I had the money in my account. BRAVO Unicredit

As you see, this is evidence of serious credit broker and is trustworthy, as it is recognized as an institution of Credit by the ACP. If you need money quickly, then Younited credit is probably the best solution you can find. Ask your credit right now is save up to €707 on your loan.

It is always advisable to inquire about the news of the credit and make a simulation credit online before taking out a loan. So don't hesitate to simulate your credit for free in order to know in advance the rate and the monthly payment you should repay. To simulate online, please click on contact in the top tab. Don't forget that a credit you committed and must be repaid, please check your repayment capacity before commit you.

Car loan: must what information you compare before commit you?

TEG (percentage rate)

The APR takes into account all additional costs, fees or insurance. It must therefore allow to simply compare loan offers. Lending institutions have the obligation to communicate a TEG for each credit offer.

The nominal rate

It is the basis of the loan interest rate. It does not include fees, insurance and warranty. It is used to calculate the interests of your car loan, you pay to each monthly payment.

The duration of the auto credit

This corresponds to the number of years or months during which you will pay off your car loan.

The monthly repayments

It is the sum that you will repay every month on the credit period. Attention: these are added to any other refunds must not exceed 33% of your monthly net income.

Insurance

Crtaines are mandatory, others are not. In all the cases, feel free to compare rates and coverage level offered in order to make the best choice.

The total cost of credit

It is the whole of the costs borne by the borrower over the life of its credit: addition to interests calculated from the nominal rate of a credit insurance costs, costs of record and guarantee. The total cost of the credit is equal to the sum of all your monthly payments less the amount of borrowed capital.

Must what supporting documents you provide for your credit auto?

In the majority of cases, you (and your spouse or co-borrower) will have to enclose the following documents:

-Photocopy of proof of identity: map national identity, passport, driver's license

-Photocopy of proof of current address (EDF or Telecom invoice)

-Statement of bank or postal identity

Law enforcement and the consumer credit:

1 - Strengthening "trust and consumer protection"

-Chatel (MP UMP in Haute Marne), adopted on 20 January 2005, proposal to bolster "confidence and the protection of consumers" and limit the over-indebtedness. New rules are imposed on credit card companies.

-This text was intended to frame the revolving credit facility and tacitly renewable contracts by strengthening the consumer information. Finally, Chatel Law prohibits credit agencies advertising for a free credit if the latter involves the simultaneous purchase of a revolving credit. True free credit, to facilitate the purchase (three times free of charge, for example) can now be a sales argument. Ads can make reference outside the point of sale, which was not the case.

2 - Greater information of the consumer

-At the earliest three months and at the latest one month before the automatic renewal of his contract, the law enforcement asked the lender to report in writing to the customer his option to terminate the loan. If this information had not been communicated at the time, the consumer can upgrade for free to end his contract.

-Currently, each composed of four french household manages on average 25 types of different contracts (rent, loans, insurance, subscriptions, etc.). All these contracts based on the principle of the tacit agreement overwhelm consumers.

3 - The revolving credits (or cash reserves) better framed

-Revolving contracts are directly affected by the law enforcement. Indeed, these types of personal credit developed significantly in recent years. These are developing particularly in retail (card payments) and facilitate the over-indebtedness.

-Now, if the amount of the money supply increased, credit agency will be required to send a new offer by mail. As well, if we open a reserve of money, but we do not use it for a certain period, the contract is cancelled.

4 - The free credit is encouraged

-Advertising for the free credit becomes possible out of the point of sale with the law Chatel. The impact of the free credit is important: Mr. Chatel noted that 60% of consumers who have used would have renounced their purchase if it had not been possible.

Good to know: the law enforcement also applies to insurance. Except life insurance, your insurer must inform you of the due date of your contract every year and your ability to change. The period is 20 days to change.

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