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Concretely, the residual life amount is equal to the amount you have left in your pocket after paying your monthly mortgage payment. This is therefore equivalent to 67% subtracted from the 33% which makes up the debt ratio.
What are the main elements that must constitute the credit file?
11- Main elements for the study of…
- Copy of family record book or identity document. Marriage contract or PACS. Where applicable, divorce judgment or decision to terminate PACS.
- Elements for assessing income sustainability.
What documents must the lender provide you before granting you a loan? The lending institution is required by law to consult the National File of Personal Reimbursement Events (FICP) before issuing a loan (consumer or real estate), an overdraft authorization or an annual renewal of revolving credit.
What is the function of a credit report?
A credit “file” is actually a document that brings together a lot of information about your finances. It allows you to know yourself, to know the level of your debt, but above all to know if you are repaying your debts.
What is a loan application?
Any adult individual can request a personal loan without necessarily having to justify its use. This credit offers the advantage of great flexibility and allows you to finance an unforeseen purchase as well as refresh your cash flow.
How is a credit file studied?
The bank examines your file and your situation It will therefore examine: your repayment capacity with regard to your family and professional situation, your income, your assets, your debts, etc. the guarantees you can provide: a real estate loan or a mortgage for example.
What documents must be provided for a loan application?
Identity document of the lender(s): Identity card or passport. Proof of your family situation: marriage record book, PACS certificate (provided by the town hall), family record book. Current proof of address (less than 3 months): telephone, water or electricity bill.
What documents should you provide for a personal loan?
Proof of address (electricity, gas, water or telephone bill for landline) Proof of income (latest tax notice and, possibly, last salary or pension slip, or last benefit certificate family) Bank or postal identity statement (RIB or RIP).
How do you know if you are registered with the Banque de France on the Internet?
Online consultation with the FICP is not authorized. In this case, how do you know if you are registered with the Banque de France on the internet? The only possibility offered to individuals is to “submit” a request for information via the Internet.
How do you know if you are registered in the FICP file? If you wish to check whether you are registered with the FICP and for what reason, you can: Come, after making an appointment, to the Banque de France office with an identity document. Send a simple letter with a copy of an identity document to the Banque de France office.
How do I access my Banque de France file?
* If you have an unverified account, you are offered to transform it into a FranceConnect certified account. If you do not have a FranceConnect identifier, you can make your request by sending it by mail to the Banque de France or by making an appointment from your personal space.
How do I access my over-indebtedness file?
To do this, you can go directly to the counter with your ID or you can send a handwritten letter enclosing both sides of your ID to the Banque de France branch in your area.
How do I know if my overindebtedness file has been accepted?
After submitting or sending an overindebtedness file, a committee examines it to determine whether the request meets the admissibility criteria. The overindebtedness commission then communicates its decision to the applicant. The file is either accepted or rejected.
How to remove a FICP registration?
How to get rid of FICP? It’s simple, make arrangements with your bank or your creditor. Once it is in order, the establishment at the bottom of the registration requests automatic cancellation.
How to no longer be registered with the FICP?
How can I no longer be registered in the files of the Banque de France, the FCC and the FICP? The Banque de France card can only be obtained in two ways: Waiting for the end of the legal period of combing (between two and seven years) Repayment of the debt.
How to get out of a Banque de France registration?
No more blocking, no secrets: just pay what is owed as quickly as possible (payment check, account remittance to be credited). If it is a check, according to your regulations, your bank is required to request your FCC check from the Banque de France within ten working days.
How long is the FICP registration?
If measures are recommended or imposed by the overindebtedness commission, you will remain registered with the FICP for 7 years. If there is no payment event during the first 5 years of implementation of the measure, your registration with the FCIP will be canceled in advance.
How do you know how long you are banned from banking?
Contacting the Banque de France remains the best way to find out if your banking ban has been lifted. You can request an appointment at the Banque de France, providing your identity document and consult your file on the site. It is also possible to contact the Banque de France by mail.
How to remove a FICP registration?
Only the bank which requested registration can request the lifting of registration from the Banque de France. Registration with the FICP is canceled upon full reimbursement of sums due for late payment.
How does the end of an over-indebtedness case work?
To be removed from the FICP upon payment of all amounts due, the beneficiary of the measures to combat over-indebtedness must send to the Banque de France certificates of full repayment of the debts, documents issued by the creditors concerned.
How do you know if you are no longer registered with the Banque de France? Contacting the Banque de France remains the best way to find out if your banking ban has been lifted. You can request an appointment at the Banque de France, providing your identity document and consult your file on the site. It is also possible to contact the Banque de France by mail.
What is the maximum duration of an over-indebtedness plan?
Duration of the plan The plan cannot exceed 7 years, even if it is reviewable or renewable. However, the measures may exceed this period in one of the following two situations: They relate to the repayment of loans taken out for the acquisition of the main residence of the over-indebted person.
When does the Bank of France cancel debts?
for a maximum period of 7 years for a conventional recovery plan or a measure imposed by the overindebtedness commission; if no new event has been identified during the implementation period of your plan or measure, your registration with the FICP will be canceled after a period of 5 years.
How do I know if my over-indebtedness plan has expired?
What do the texts say about this? The Consumer Code provides that the contractual plan must mention that it automatically expires 15 days after an unsuccessful formal notice sent to the debtor to fulfill his obligations.
When does the Bank of France cancel debts?
for a maximum period of 7 years for a conventional recovery plan or a measure imposed by the overindebtedness commission; if no new event has been identified during the implementation period of your plan or measure, your registration with the FICP will be canceled after a period of 5 years.
How does debt forgiveness work?
The personal recovery procedure involves canceling the debts of an overindebted person when their financial situation is so deteriorated that the overindebtedness cannot be treated. This procedure is initiated by the overindebtedness commission, with the agreement of the overindebted person.
When does a debt become obsolete?
Thus, a debt is provided when the creditor has not initiated proceedings against the debtor two years after the first installment has not been paid by the latter.
How does debt forgiveness work?
This procedure consists of canceling the debts of an overindebted person when their financial situation is so deteriorated that no measure to take charge of the overindebtedness is possible. This procedure is initiated by the overindebtedness commission, with the agreement of the overindebted person.
When does the Banque de France cancel debts? for a maximum period of 7 years for a conventional recovery plan or a measure imposed by the over-indebtedness commission; if no new event has occurred during the implementation of your plan or measure, your registration with the FICP will be canceled after a period of 5 years.
How to justify debt cancellation?
Write a letter explaining your situation It aims to explain your background, your situation and why you have accumulated a lot of debt. It aims to prove your good will, that you want to get out of it. Indeed, debt cancellation must not be planned or “done on purpose”.
How to formulate a debt waiver?
To dispose of all or part of your debt, you must send your creditor a registered letter with acknowledgment of receipt. You must attach to this letter all the documents that show that your relevant situation does not allow you to pay the full amount owed.
How does debt cancellation work?
To request a debt waiver, a file must be submitted to the Over-indebtedness Commission of the Banque de France, accompanied by all the information to be provided. The corresponding procedures and forms are available on the Banque de France website.
Who pays for the debt cancellation?
Who pays in the event of debt cancellation? If the Banque de France overdraft commission orders the total cancellation of debts, the beneficiary of this decision is no longer liable for their debts.
How can you avoid paying your debts?
Debt cancellation is possible when the debtor’s financial situation does not allow them to repay their creditors, even in several installments. The enforcement judge may open this procedure after a decision by the commission or on their own initiative.
How does debt cancellation work?
The personal recovery procedure involves canceling the debts of an overindebted person when their financial situation is so deteriorated that the overindebtedness cannot be treated. This procedure is initiated by the overindebtedness commission, with the agreement of the overindebted person.
How does debt forgiveness work?
The personal recovery procedure involves canceling the debts of an overindebted person when their financial situation is so deteriorated that the overindebtedness cannot be treated. This procedure is initiated by the overindebtedness commission, with the agreement of the overindebted person.
How does debt forgiveness work?
To request a waiver of debt, a file must be filed with the Overindebtedness Commission of the Banque de France, accompanied by all the information to be transmitted. The corresponding terms and forms are available on the Banque de France website.
Who pays for debt forgiveness?
If the debts are non-repayable Here, it is the applicant who pays the canceled debts, compulsorily or amicably, by selling his property. If this sale is not enough to repay all the debts, the creditors will take care of the remaining part.
How to remove a FICP registration?
How to get rid of FICP? It’s simple, make arrangements with your bank or your creditor. Once it is in order, the establishment at the bottom of the registration requests automatic cancellation.
How can I no longer be registered with the FICP? How can I no longer be registered in the files of the Banque de France, the FCC and the FICP? The Banque de France card can only be done in two ways: Waiting for the end of the legal period of combing (between two and seven years) Repayment of the debt.
How to make a Defichage request?
How to request a display or consult the FICP? Any person concerned by a file can request access to the FICP from the Banque de France (article L751-5). He can make his request online, at the Banque de France counter (by appointment) or by mail.
How to request the lifting of a banking ban?
Lifting of the banking ban by regulation The banking ban can be lifted if all bad checks are regulated and if the Banque de France has been informed. To remedy the situation, you must pay the person who was supposed to exchange the check for cash.
How to remove a registration from the Banque de France?
To be able to benefit from the FICP clearance, you must repay the debt(s) at the origin of the registration in the file. Once this reimbursement has been made, the reimbursed credit institution will be asked to provide a reimbursement certificate which will be sent to the Banque de France.
How to get out of a Banque de France registration?
No more blocking, no secrets: just pay what is owed as quickly as possible (payment check, account remittance to be credited). If it is a check, according to your regulations, your bank is required to request your FCC check from the Banque de France within ten working days.
How to remove a registration from the Banque de France?
To be able to benefit from the FICP clearance, you must repay the debt(s) at the origin of the registration in the file. Once this reimbursement has been made, the reimbursed credit institution will be asked to provide a reimbursement certificate which will be sent to the Banque de France.
How to remove a banking ban from the Banque de France?
Lifting of the banking ban by regulation The banking ban can be lifted if all bad checks are regulated and if the Banque de France has been informed. To remedy the situation, you must pay the person who was supposed to exchange the check for cash.
How long is the FICP registration?
If measures are recommended or imposed by the overindebtedness commission, you will remain registered with the FICP for 7 years. If there is no payment event during the first 5 years of implementation of the measure, your registration with the FCIP will be canceled in advance.
How to remove a FICP registration?
Only the bank which requested registration can request the lifting of registration from the Banque de France. Registration with the FICP is canceled upon full reimbursement of sums due for late payment.
How do you know how long you have been registered with the Bank of France?
How long have we been registered in the National File of Individual Credit Reimbursement Events? No registration with the FICP can last more than 5 years in the event of a reimbursement event. As soon as you have resolved your situation, you will be removed from the file.
How do I know if I am eligible for credit?
The condition for obtaining a loan is generally that the remaining living amount per person exceeds 200 euros. Antiquity: for bankers, seniority in employment, housing and marital status is essential.
What is the reason for the refusal of credit? There is no right to credit. Each banking establishment establishes its own criteria for accepting a credit application. Your bank has the right to refuse you a loan if it considers that your repayment capacity is not satisfactory or that your project is too risky.
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