{"id":679,"date":"2021-12-12T05:34:58","date_gmt":"2021-12-12T05:34:58","guid":{"rendered":"https:\/\/demosites.royal-elementor-addons.com\/construction-v1\/?page_id=97"},"modified":"2025-12-10T23:03:14","modified_gmt":"2025-12-10T22:03:14","slug":"credit-conditions","status":"publish","type":"page","link":"https:\/\/atlan-services.com\/index.php\/credit-conditions\/","title":{"rendered":"Credit conditions"},"content":{"rendered":"\t\t
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Our Terms and Conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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CONDITIONS FOR ACCEPTANCE OF A LOAN FROM ATLAN FINANCIAL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Do you want to know the acceptance conditions for obtaining a personal loan? Atlan Financial<\/strong> answers all your questions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Before granting you a loan, our bank verifies that you meet their acceptance criteria. The most common acceptance criterion concerns your repayment capacity. To this end, you must demonstrate, using various documents and supporting evidence, that you have the necessary repayment capacity to comfortably cover your monthly payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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The basics<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t
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Disposable income<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t
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Your personal expenses<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t
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- You must be at least 18 years old and no more than 80 years old.<\/p>

- You must be reliable and able to repay.

- You must be a person of good moral character.<\/p>

- Our loan is repayable over a period of 3 to 240 months, depending on the amount requested.<\/p>

- Personal loans have an annual percentage rate (APR) of 3% (except for promotional rates).<\/p>

- Granting credit is prohibited if it leads to the consumer's over-indebtedness.<\/p><\/div>\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t

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The first step is to calculate your available income: salary, pension, rental income, dividends from your company, alimony, unemployment benefits, allowances, etc.<\/p>

This allows you to meet the acceptance requirements, even if you are self-employed or looking for work.<\/p>

Generally, the lending institution will request more supporting documents to verify that your repayment capacity will be stable in the long term.<\/p><\/div>\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t

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Next, your expenses are deducted from your available income to determine your monthly repayment capacity. This capacity must be sufficient to cover your personal loan installments while also allowing you to manage everyday expenses and unexpected costs.<\/p>

Expenses include your rent or mortgage payments, utility bills (electricity, etc.), taxes, alimony, and so on. Your personal circumstances are also taken into account when calculating these expenses: marital status, number of children, whether you own or rent your home, etc.<\/p>

Once this data is combined, lenders will have a precise understanding of your repayment capacity and can assess whether your application meets their acceptance criteria.<\/p><\/div>\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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REQUIRED SUPPORTING DOCUMENTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • An identity document
    (Valid identity card or passport)<\/li>
  • Proof of address
    (Electricity, gas, water, or landline telephone bill)<\/li>
  • \u00a0Proof of income
    (Latest tax assessment and, optionally, latest payslip or pension statement, or latest family allowance statement)<\/li>
  • Bank account details
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    Conditions for obtaining a zero-interest<\/span><\/span> loan<\/h2>
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    \r\n\t\t\t\t\t\t\t\t\t\t\t\tA. Projects eligible for zero-interest loans\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t<\/i>\r\n\t\t\t\t\t\t\t\t<\/i>\r\n\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/h4>\r\n\t\t\t\t\t
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    \r\n\t\t\t\t\t\t\t\t\tOne of the main requirements for obtaining a zero-interest loan is having an eligible project. These requirements are specified in several articles of law within the building and housing code. The zero-interest loan is possible thanks to the support of humanitarian aid services, which cover the interest payments in partnership with banks that have agreements with them. For your project to be valid, it must involve the purchase or construction of your future primary residence.\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t
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    \r\n\t\t\t\t\t\t\t\t\t\t\t\tB. Resource conditions\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t<\/i>\r\n\t\t\t\t\t\t\t\t<\/i>\r\n\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/h4>\r\n\t\t\t\t\t
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    \r\n\t\t\t\t\t\t\t\t\tTo be eligible for a zero-interest loan, you must meet certain conditions regarding your personal circumstances and income. There are income limits that depend on both the number of people in your household and the location of your future home. These areas are defined by the decree of September 30, 2014, which classifies your location according to the local housing market pressure. The aim is to adapt the eligibility criteria to your situation, allowing you to still obtain a loan even when the market is tighter.\n\nThe income calculation takes into account both the borrower's taxable income and that of any other occupants, provided they are not included in the borrower's tax household.\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t
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    \r\n\t\t\t\t\t\t\t\t\t\t\t\tC. How to obtain a zero-interest loan\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t<\/i>\r\n\t\t\t\t\t\t\t\t<\/i>\r\n\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/h4>\r\n\t\t\t\t\t
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    \r\n\t\t\t\t\t\t\t\t\tTo obtain a zero-interest loan, you must first verify your eligibility and that your project qualifies. To apply, please contact our support service for further details. When compiling your application, you will need to provide information about your personal circumstances (identity, income) and submit supporting documents (identity card, family record book, payslip). You will also need to specify your request with all the details concerning your real estate project (new or existing property, the land, the building zone). Finally, you will also need to provide the necessary documentation to demonstrate that this project aims to acquire your primary residence (rent receipts for the last two years or a certificate of free accommodation).\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    Subscribe!!!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    If you’d like to be instantly informed about all our offers, promotions, and services, please subscribe to stay up-to-date.<\/p>

    Applying for credit now that you know everything is simple and, above all, fast.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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