Description
Prêt Multi Usages is a credit facility destined to the financing of various projects: renovation, emergencies, debt consolidation, etc… This loan is a product destined to clients with a good credit history in order to help them confront to cash flow difficulties, alleviate budgetary pressure caused by unexpected events.
Caracteristics
The loan is in Gourdes or in dollars and presents the following characteristics:
- Term: 6 months to 10 years
- Interest rate: based on market conditions
- Technical fees: evaluation of the property given as a guarantee
- Commission: negociable
- Mode of paiement: to be negociated
- Guarantee : All types (DAT or any other property given as a guarantee)
Advantages
This product offers the following advantages
- Assessors, personnalized support from the credit officers
Documents to be presented
Any individual who can present the following
- A valid proof of identity, chose one of the following:
- National ID card
- Passport
- Driver’s licence
- Requested guarantees
- Proof of address
- Have a credit history in the banking system (BIC)
- Have a credit facility with SOGEBEL
- Be able to prove steady revenues to support the monthly payments
- Have an overall outstanding amount representing more than 80% of the value of the property given as a guarantee
