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Welcome to our palte form

You can apply to us for loans at a low interest rate the Europa credit team

Before approving a personal loan, credit institutions verify that your conditions of acceptance are met. The most common condition for acceptance is the refund option. To do this, you must use various documents and supporting documents to show that you have the option of receiving a small number of payments each month.

 

 

 

Disposable income

 

The first step is to calculate the disposable income: salary, retirement, rent, distribution of your company's dividend, compensation, unemployment benefits, fees, etc.

 

This means that you can meet the acceptance criteria even if you are self-employed or looking for work. As a general rule, the credit agency needs additional evidence to verify whether your repayment capabilities are stable over the long term.

 

 

Your personal expenses

 

In the second stage, costs are deducted from disposable income in order to receive the monthly repayment capacity. These skills need to be sufficient to pay the monthly payments on your personal loan, so you can manage the costs and unexpected daily life.

 

"Costs" include the rent or monthly payment of your mortgage, energy costs (EDF, etc.), taxes, maintenance costs, etc. when calculating this information, your personal situation is taken into account: marital status, number of children, status of owner or tenant, etc.

 

Once the data matches, the credit agencies will know exactly what your refund options will be and will be able to determine if your file meets the acceptance criteria.