Real estate credit for firefighters: what specificities?

Are you a firefighter and want to take out a mortgage? Your status allows you to obtain certain benefits from banks.

If firefighters are regularly exposed to risk, effective solutions have been put in place to support them in their real estate projects. What are the specificities of real estate credit for firefighters? What to do in case of refusal of mortgage? All the explanations.

Mutuals dedicated to firefighters

Mutuals dedicated to firefighters

Because of the risk you incur as a firefighter, the bank is generally poor to offer you adequate guarantees. In the best case, the institution can agree to insure you in return for higher rates for basic guarantees such as death and the total and irreversible loss of autonomy (PTIA).

To guarantee your credit at a lower cost, you can turn to mutuals specializing in risky trades. Indeed, the Lagarde law came into effect in 2010 allows you to choose yourself the company that will insure your mortgage. These specialized insurers, often cheaper, offer formulas adapted to your needs and protect you while you practice a profession at risk.

The use of complementary loans

The use of complementary loans

Firefighters have access to assisted loans such as the Social Accession Loan (PAS). To benefit, your resources must be below a certain ceiling that depends on your family responsibilities and your place of residence. The SIP can be supplemented by a Zero Rate Loan (PTZ), an Action Housing Loan or a bridge loan pending the sale of the previous home. It can not, however, be subscribed with a conventional mortgage.

Firefighter: what to do in case of refusal of mortgage?

Firefighter: what to do in case of refusal of mortgage?

The obtaining of a mortgage is conditioned to the subscription of a borrower insurance. This insurance is intended to protect the bank in the event of default by the subscriber. Before making an offer of firefighter loan insurance, the insurance company analyzes its profile. If she feels that the risks are too great, she can refuse to take charge. In case of refusal of insurance related to the exercise of a risky profession, it is possible to make use of the delegation of insurance. This is to opt for a different insurance from that offered by the lender. To purchase external loan insurance, however, it must include guarantees at least equivalent to group insurance.

Another solution is to use a mortgage insurance broker. The broker has a large network of partners with whom he can negotiate insurance conditions. In any case, you have nothing to lose passing through it.

To get an idea of ​​the mortgage offers on the market, do not hesitate to use an online comparator.

Revolving credit – from 1500 USD

 

Credit revolving up to 1,500 USD, a financing solution to pay for its purchases

Credit revolving up to 1,500 USD, a financing solution to pay for its purchases

The revolving credit differs from other consumer loans, in particular because it can be reused freely according to its needs. It allows for unforeseen expenses or quick purchases. The refund can be spread over 10 monthly maximums depending on the amount of purchases made.

The revolving credit, a different operation of conventional credits

The revolving credit, a different operation of conventional credits

The revolving credit is materialized by a capital granted which is reconstituted as and when repayments. An optional credit card may be associated with revolving credit. This will allow for different deferred debit cash expenditures at no cost or on credit.

Renewable loans, to realize its projects

Renewable loans, to realize its projects

Recourse to revolving credit can also be considered for sums of less than $ 1,500. This form of loan can be considered as a financial service in its own right. It allows funds to be used for the purchase of a new sofa or the replacement of a refrigerator for example … For an amount borrowed with a revolving credit, the monthly payments are defined at the time of each purchase. Revolving credits are a financing solution for his projects (purchases / expenses).

Stay informed about the status of your loan at all times

Stay informed about the status of your loan at all times

Like all consumer loans, a revolving credit is regulated by legislation. In addition to checking the creditworthiness of the client, a lending agency will inform him about the terms of the contract. In addition, a monthly account statement will be provided to the borrower. This includes, among other things, the details of the operations carried out, the amount awarded, the amount available, etc.

Subscription to a revolving credit

Subscription to a revolving credit

A trademark of CreditCole Consumer Finance, Pre-finance is one of the leaders in the field of retail financing. The revolving credit up to $ 1,500 of the lender is in accordance with the law Consumption, as it is free until it is used. It remains available pending an upcoming expense. In addition, an “optional borrower insurance” and a VISA card, also optional, may be offered to the consumer. He will be able to repay the principal due in 10 monthly maximums.

The Agile Renewable Credit is a revolving credit that can be renewed annually at the annual Adjustable Annual Effective Rate (APR) of 7.90%, adjustable debtor rate of 7.628%. The repayment term of your revolving credit is 10 months maximum for an amount of $ 500 to $ 1,500.

5000 USD loan, the consumer credit expert

Whatever your project, there are economic solutions adapted to your expectations. Pre-finance informs you about the 5000 USD credit.

Finance very different projects with a credit of 5000 USD

Finance very different projects with a credit of 5000 USD

Indeed, there are several types of consumer loans. You will have the choice between different loans. Everything will depend on your intentions. But know that the 5000 USD credit can be a financial answer to a need of money, to concretize for example:

  • The purchase of a used car or a 2 wheel motorized (motorcycle, moped or electric scooter).
  • The layout of the house or its modernization: a new decoration and new furniture, the purchase of a kitchen, small renovations for home maintenance for a senior.
  • A move and cover all or part of the expenses related to a change of residence.
  • Or your hobbies: a dream holiday, a road trip abroad or sports equipment.

Finance very different projects with a credit of 5000 USD

Finance very different projects with a credit of 5000 USD

Indeed, there are several types of consumer loans. You will have the choice between different loans. Everything will depend on your intentions. But know that the 5000 USD credit can be a financial answer to a need of money, to concretize for example:

  • The purchase of a used car or a 2 wheel motorized (motorcycle, moped or electric scooter).
  • The layout of the house or its modernization: a new decoration and new furniture, the purchase of a kitchen, small renovations for home maintenance for a senior.
  • A move and cover all or part of the expenses related to a change of residence.
  • Or your hobbies: a dream holiday, a road trip abroad or sports equipment.

How to subscribe your credit 5000 USD?

How to <a href=subscribe your credit 5000 USD?” />

You have several possibilities:

  • If you are used to viewing your accounts on the internet, or need this amount quickly, opt for a subscription request 100% online with the electronic signature of your contract. In concrete terms, you complete the subscription form, obtain an immediate policy response (1) and download the supporting documents for the study of your application. After final acceptance of your file, the funds will be transferred to your bank account within the legal deadline. A
    practical solution if you are looking for a loan of 5000 USD urgent.
  • You can also visit one of our branches in France: our expert advisors are at your disposal to help you and assist you in the realization of your projects.

Pre-finance, a recognized partner for your 5000 USD credit

Pre-finance, a recognized partner for your 5000 USD credit

There are many financial lenders in the market. But choosing Pre-finance is choosing a consumer credit expert who offers its customers flexible financing solutions adapted to their needs: did you know that we will soon be celebrating our 70th anniversary? Since our beginnings, customer satisfaction is at the heart of our concerns, you can discover the testimonials of our customers, they are many to recommend us.