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. Applying for a loan is not very complicated, but it involves several steps and basic rules that require specific documentation.
What is a personal loan? A personal loan is a form of financing for individuals provided by a bank or licensed financial institution (directly or through intermediaries such as agents or brokers). It falls into the category of “non-profit” bank loans, i.e. loans that are not linked or attached to the purchase of a specific good or service, and benefit from special protection when granted to consumers. With a personal loan, the client receives a sum of money, agreeing to repay it in installments within a predetermined period.
When granting the loan, fixed or variable interest is applied during the repayment period. Also, costs such as preliminary investigation fees, payment collection fees, prepayment fees and any insurance fees are paid.
It is good toevaluate this new debt very carefully within the framework of your family's budget and monthly income, taking into account both the overall cost of the bank loan and the monthly installment to be paid by e-banking. This will be in addition to other monthly payment commitments such as rent, bills and payments on other loans. Often, the payment of these various charges is made by bank transfer.