What is a consumer loan?

A consumer loan is a loan that concerns transactions other than real estate. It mainly meets the liquidity needs of the borrower who wishes to finance the purchase of consumer goods. It does not necessarily have to be a special purpose loan, i.e. a loan that occurs when a product is purchased and an invoice is presented (as in the case of a loan for the purchase of a car). A consumer loan is granted by a specialized credit institution or a bank, provided that the borrower is able to repay it. Therefore, before applying for a consumer loan, each borrower must know his solvency and know the interest rates offered by the consumer loan market

Consumer credit: how much money can you borrow and for how long?

The amount of consumer loans offered is from 5,000 to 100,000 euros. The repayment period depends on the borrower's capabilities, but also on the amount of the loan itself. You can borrow from 6 months to 360 months

Home loan

Does your house need to be renovated? Do you want to extend it? Yes, but renovation or green renovation, like reconstruction, often requires high costs. If you want to make your project a reality, opt for a construction loan! Global finance will guide you, advise you and offer you an advantageous construction loan that you can apply for online in a few minutes. Focus on this type of consumer loan!

What is a construction loan?

A construction loan is a type of personal loan that can be allocated, meaning that it can only be used for construction work. Moreover, this credit solution is becoming increasingly popular with households who want to improve or renovate their homes. This is especially true since it applies to both the main residence and a rented or secondary residence. A construction loan is granted by a bank or credit institution and belongs to the category of consumer loans. A construction loan allows the borrower to finance any type of work. This may include, for example: Maintenance (roof, sanitation, garden, parking, electricity, etc.); Finishing work (attic, kitchen, veranda, bathroom, etc.); Extension (veranda extension, apartment floor extension, attic conversion, etc.); Decoration work (painting, plastering, wallpaper, etc.); Renovation or energy efficiency improvement work (attic insulation, roof insulation, window replacement, heating system improvement, etc.).

Benefits of a personal loan

Sometimes, you don't have enough cash to finance your dream project. A wedding, a trip, a new car or a renovation are expensive life projects that sometimes require a personal loan. At ZK Finance, we offer you a new experience with a 100% online personal loan to finance your project; you can sign the contract remotely and directly download the necessary documents to complete your personal credit file. This online personal loan application is intended to be simple, fast and transparent. A financing solution that also allows you to benefit from an extremely attractive fixed annual interest rate (or APR). You will be able to bring your project to life without worrying about tomorrow!

What is a personal loan?

A personal loan is a so-called "non-profit" loan. The amount borrowed for a personal loan does not correspond to the purchase of specific goods (car, motorcycle, real estate, etc.). Thus, a personal loan is not triggered by the presentation of an invoice, as is the case with "purpose" loans, but corresponds only to the household's liquidity needs. Ultimately, the borrower can use the loan amount as they see fit, either to finance consumer goods (car, refrigerator, groceries, etc.) or for another service. This type of loan can be granted by a bank or a financial institution specializing in loans. The repayment of a personal loan is generally monthly. The duration specified in the contract depends on the amount of the loan and the borrower's financial capacity. The monthly payments take into account the total amount and maturity of the loan, the APR and the insurance, if the borrower has taken it out.

Proof of file for a personal loan

Approval of a personal loan depends primarily on the applicant's financial resources and assets. They must first ensure that their financial and asset situation will allow them to meet the monthly payments. Global Finance will therefore request the documents required by law or in accordance with the procedures of banking institutions when preparing your file. However, we do not ask you to submit the original documents: you simply need to upload the supporting documents to our platform. Finally, we will ask you to submit complete documentation in order to receive a loan offer.