About Personnal Credit

About Ready Jobs

  • New house

  • Renovation

  • Move

  • Interior redecoration

The work loan is intended primarily for both homeowners and tenants wishing to undertake work.In the case of homeowners, it is possible to obtain a work credit for a home. principal and a secondary residence.

Crédit Univers's loan is a personal loan that can be amortized: simple, without any personal contribution, you choose the amount and the duration of your credit works best adapted to your budget. The debit date is on the 10th, 20th or 30th of the month, according to your convenience.You can postpone a term without management fees up to twice a year

The credit is really express, as I needed it for the care of my husband.I thank Crédit Univers is more reassuring to know that such an institution exists

In fact, you have the possibility to perform all the steps 100% online, from the subscription with the electronic signature until the sending of the scanned documents electronically.

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Frequently Asked Questions about Work Credit

What is the purpose of a work loan?

A work loan allows you to have an amount of 1,500 to 35,000 € to carry out both small development or decoration work like real renovation or renovation work. extension.

Note that the Crédit Univers work loan allows you to finance all your purchases as part of a construction project: materials, equipment, professional services, etc.

What documents to provide for a work loan?

Beyond the traditional personal documents to justify for example your identity or home, it is necessary to provide financial evidence so that Crédit Univers can appreciate your ability to repay.

Also note that beyond 8 000 € of loan, you will have to provide the documents relating to the works that you wish to undertake (estimates, invoices, order forms relating to your work or to your decoration purchases) )

What are the conditions for accepting a work loan?

The acceptance of a work loan depends less on the nature of the work than on your repayment capacity, because if you can do all kinds of work with a Crédit Univers work credit However, your repayment capacity must be sufficient in relation to the monthly payments chosen, for example, your debt ratio must not exceed a certain threshold for the loan to be accepted.

Your personal situation also comes into play, which is the recurrent costs you face each month. This allows Crédit Univers to better evaluate your repayment capabilities.

What are the terms of repayment of a work loan?

The terms of repayment of a work loan depend first of all on the amount and number of monthly payments that had been defined when the loan was signed.Please note that the maximum repayment period may vary. depending on the amount borrowed.

The repayment of your work loan may also be impacted by refund breaks that may be granted in the event of unforeseen circumstances or, conversely, prepayment with conditions.