Frequently Asked Questions

Each application is assessed on:

• Repayment capacity and debt ratio of the project
• Stability of income or of the business and relevance
• Feasibility and a credible implementation plan
• Financial and organisational capacity of the applicant

Yes. Depending on the loan, additional conditions apply — for example:

• The loan must be repaid over the agreed term, from 12 to 360 months
• For a mortgage: a personal contribution of at least 10% and borrower insurance
• For a business loan: accounts filed for at least 12 months and a debt ratio below 35%

The form is divided into four sections:

• Personal information — title, marital status, last and first name
• Contact information — email, phone, residential address, postal code, country
• Professional status — employment status and monthly net income
• Application details — type of loan, requested amount, duration, total budget and the purpose of the loan

Our team carefully reviews every application and contacts you within 2 business days. Our advisers are available 6 days a week to answer your questions.

Depending on the loan, the amount may cover:

• The purchase, construction or renovation of a home
• Equipment, stock and growth of a business
• Personal and family projects, and unexpected costs
• Tuition fees and living costs while studying
• Insulation, heating and energy improvement work
• A new or used vehicle and its equipment

No. A loan is a commitment and must be repaid. The amount borrowed is repaid in monthly instalments over the agreed term, with interest. The loan is exclusively intended to finance the project described in your application: a loan subject to repayment, provided the conditions of the agreement are fully complied with.

Amounts can be expressed in EUR, USD, CHF, GBP or TRY. You choose the duration in months or years, from 12 to 360 months depending on the loan.

No. Once the funds are released, the loan follows its course: monthly instalments are collected and you may repay the whole balance early at any time, without penalty.

• Payment of the monthly instalments on time
• Use of the funds for the stated purpose
• Reporting of any change in your situation

Failure to repay may result in the loan being called in early and the guarantees being enforced. This includes, in particular:

• Missed instalments
• Use of the funds for another purpose
• False statements in the application
• Failure to keep the required insurance

In such cases, the lender may demand immediate repayment of the outstanding capital, plus late interest and any penalties provided for in the contract.