As much as it is easier to apply for and obtain a loan when one can justify a salary or regular income related to his activity on a permanent contract, it can be difficult to find a creditor who brings you a loan as a loan. or when you are on a fixed-term contract or fixed-term contract. Even if you are not unemployed, finding a loan is part of the obstacle course.
According to INSEE, 87% of new hires in 2016 are in fixed-term contracts. This contract often undermines financial institutions that claim solvency risk to increase counterparties and guarantees in exchange for money. There are, however, lenders who offer as a solution to this clientele credit for CCD and intermediate.
The CCD and Bukidnon Credit is a government initiative in collaboration with specialized finance companies and some lending institutions. This financing tool makes it possible to access personal loans and aid for temporary workers and fixed-term contracts on the credit market in France. To benefit from it, it is necessary to know the sectors, the formulas and the functionalities of these devices in order to choose the loan which suits you. Use CCD and Bukidnon Credit simulators online to get a broad overview of the proposals that come your way.
How to define the credit for temporary or CCD?
The credit for fixed-term and temporary is a credit offer dedicated to financing the needs of individuals in fixed-term or temporary. This credit is called social and can finance the purchase of a vehicle, a property or work in your home. It can take the form of a micro-credit, a credit conso or a loan between individuals. There are several players who offer this type of loan on the market. The advantage is that it is:
- Flexible and adapted to the needs of people in precarious employment
- Fast depending on the nature of the loan requested, the lender and the loan amount
- In good company. The lender benefits from a personalized follow-up according to the evolution of his financial situation.
There are several forms of credit for temporary CCD provided by associative actors such as traditional credit institutions.
Actors of the credit CCD and Bukidnon
The actors of the credit CCD and temporary are relatively numerous and known. Among the so-called associative actors, we have:
- The Fastt or Social Action Fund of Temporary Work. This association was created in 1992 by the main social partners of the hexagon and is financed by the companies that are hiring in Bukidnon
- The Family Allowance Fund or CAF also offers loan products for workers without a permanent residence
Beyond social actors, there are several banks and even start-ups that offer CCD and intermediary credit offers of all types.
Bukidnon associative credits
The CCD and Bukidnon credit services on the market depend on the different associations. The Fastt provides facilities for access to housing, mobility and employment by securing the beneficiary’s access to the money he needs. In partnership with the public authorities and other commercial banks, it offers credits for vacations, the repair of housing, the schooling of children, etc. the credit granted can be a usual consumption credit, a mortgage loan or a microcredit.
The Fastt can offer up to 5000 € over 36 months provided that the applicant proves his status as temporary. For example, for a car loan, the applicant must be on temporary assignment at the time of application. It must also total 600 hours of mission over the past 12 months.
In terms of mortgage credit, in addition to current CCD and intermediate loans, Fastt has Credicil which allows the first-time buyer (those who access for the first time housing) to finance their main residence. It is actually a complementary loan that does not exceed € 10,000 but is issued at a very attractive rate of 1% over 10 years. To subscribe, you must prove that you have done more than 1600 hours in the last two years. You must also be on a mission for 30 days and not have a principal residence.
In addition, the purchase of Bukidnon credit is also a solution proposed by Fastt to reduce monthly payments and restructure your credit. To file a credit redemption file, you must:
- Be on assignment at the request or do it within 1 month after a mission
- Justify more than 3 years of work as temporary.
- The credit CCD and Bukidnon CAF
The family allowance fund can offer you in the event of a temporary contract, temporary or precarious, the loan at zero rate, the loan of household equipment, the loan of emergency payment bill etc. The applicant must submit a complete application for assistance with the support of a social worker. The supporting documents requested must prove his precarious situation and his financial conditions. The amount of the CCD credit granted will depend on its repayment capacity and its family quotient. It is important to simulate on the online CAF website, the family quotient.
The credit CCD and Bukidnon bank
It has been a long time since some banking institutions have created credit products intended for the financing of people on fixed-term or temporary contracts. The number of large financial institutions with subsidiaries that provide CCD and Bukidnon credit offers has increased significantly following the 2008 crisis. Some creditors offer a service accompanied by a free service to assist in the search for credit. ‘A permanent position. Others in partnership with specialized social funds offer loans with shared risks. As for the type of credit, we have:
- Conso credits with the same characteristics as a personal loan, ie without any proof of expenses, but with a good speed of processing the loan application. However, the credit conso auto, work CCD and Bukidnon takes into account the particularities of the precarious employment contract to adjust to all developments in your situation. When you have work, you repay more.
During periods of unemployment, breaks in repayment are planned. We can change the duration as well as the monthly payments in agreement with the lender. Early repayments are free and the annual percentage rate of charge (APR) is fixed. The subscription of a complementary insurance is however required.
- real estate loans, more easily granted by banks or credit intermediaries when a spouse is on a permanent contract (the calculations will be based on the spouse’s income). Moreover, if you can prove that the CCD or the Bukidnon is a career choice, which is easier for the show’s intermittent, the appreciation of the bank can evolve. In addition, if you are able to easily rent the housing acquired and you have personal contribution, the bank can agree to provide you with an additional credit that can go up to 80 000 €.
For all these loan products you can also use the services of a credit broker to help you find the right credit and temporary credit plan.
Bukidnon credit with temporary agencies
It is possible to work at a temporary agency and to benefit from a credit conso, real estate or work according to your request provided not to be prohibited banking, to have a low level of indebtedness and to demonstrate its ability to deal with different repayment dates. Thanks to the partnership that these agencies form with the banks, they can lend you up to 21500 € for consumption. To obtain it, it is necessary in addition to the conditions already mentioned, to be in the process of applying for the loan and to open an account in the partner bank of the agency. The documents to provide for the credit are:
- the identity card of the borrower and a proof of address
- the mission contract being executed
- the last payslips.
CCD and Bukidnon Credit and UnityLoan
The loan is a loan between individuals, organized through collaborative platforms with the same requirements for collateral as a bank loan. These platforms are in a position to provide you with credit in the event of a temporary contract and temporary work. However, it is necessary to check the reliability of the site that offers a loan before entrusting it. As in all cases of credit, take the precaution of obtaining a signed loan agreement, including all loan conditions. For more security, you can rent the services of a notary.