Personal credit

Belgham Group - Services - Credits - Personal credit

Personal loan

The advantages of a personal loan at Belgham Group

A personal loan is a credit that is said to be "unallocated". In fact, the amount borrowed from a personal loan does not correspond to the specific purchase of a good (car, motorcycle, real estate, etc.) or service (work, travel, etc.). Consequently, the personal loan is not triggered upon presentation of an invoice as for "allocated" credits, but simply responds to a household cash flow need.

Personal loans are governed by the Consumer Code, which defines a minimum and maximum duration and amount. As such, it allows you to borrow from 1,000 to 50,000 euros from Belgham Group. As for the repayment period, it ranges from 6 to 84 months. Generally, the first monthly payment occurs 30 days after the funds are made available. The exact date of collection of this monthly payment is stipulated in the contract. The organization that grants you the financing can also grant you a payment deferral of 2 to 3 months, but this is not systematic.

In their offer, financial institutions are required to mention in particular:

- The identity and address of the lender;
- The duration of the contract;
- The type of credit;
- Of the total amount due;
- The amount of the credit;
- Conditions for making the borrowed amount available;
- Of the total cost of the fees;
- The existence of a withdrawal period;
- Compensation to be paid in the event of late payment.

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