Buying a loan is good, but you still have to know who it is for?
Buy back credits, different profiles
Whether I am a trader, craftsman, individual, self-entrepreneur or even a business owner, is it concretely possible to obtain such a credit knowing that I exercise this or that activity? Can I also get a loan buy-back if I am acting, seasonal or on a fixed-term contract?
The responses are indeed very variable depending on the profiles, but also on the criteria applied by the different actor-lenders. As a general rule, the banks for the repurchase of credits grant loans to individuals employed on fixed-term contracts or retired according to their age and their income, but they are not the only eligible for these operations.
Today, everyone knows for example that a nurse represents an activity in shortage so that a status in CDD or much more precisely that a nurse trainee of the public service is certain to continue her career and therefore have sustainable income.
Loan buy back for Liberals
The banks are not restricted only to individuals, as other professions have sufficient safeguards in their eyes. This is particularly the case for professionals exercising in the form of non-commercial professional profits, also called “BNC” in the form of 2035.
In practice, these professions are made up of health professionals, doctors, dentists, physiotherapists and other nurses, but also professions such as lawyers, notaries or surveyors for example. Their revenues are therefore BNCs as opposed to BICs which represent industrial profits which concern companies proper.
There are other cases taking different forms, which are companies relating to the same financial years, but making it possible to split the legal person from the natural person.
A loan buy-back for companies or craftsmen
The case of companies is much more delicate than the cases cited above, because a difficult situation in terms of company cash for example which cannot be the subject of the intervention of the deposit bank holding the current accounts of associates is a bad sign. Often times, the bank knows that the situation is sadly doomed to failure. If, on the other hand, it is a business manager whose professional and private situations are clearly divided, then the case is different.
A bank in repurchase of loan can intervene within the framework of the private indebtedness if it has moreover ensured that the professional situation is healthy: it is then possible to study the personal situation of the applicant. The same goes for craftsmen-traders, but in all cases, the sine qua non condition rests on the precedence of the activity which must represent at least 3 years of exercise, or even 5!