JFD FINANCES helps you realize your credit needs

JFD FINANCES helps you make your desires come true

What is your project?

CONSUMER CREDIT

Do you need cash, equipment to buy, a car or motorcycle to change? Consumer credit is the ideal solution for having a certain amount of money. You decide your repayment method for each financing by choosing a monthly payment or a repayment period.

REAL ESTATE CREDIT

Because you are embarking on a real estate project, a first purchase, a rental investment, the purchase of a second home or even a repurchase of a real estate loan, the financing conditions and in particular the real estate rate, occupy your thoughts. JFD FINANCES supports you in this stage of life and will negotiate for you the best conditions for your real estate loan.

BORROWER INSURANCE

Being an essential protection solution, borrower insurance pays your loan in full in the event of death or Disability (Total and irreversible Loss of Autonomy) and covers up to 18 monthly payments maximum in the event of Loss of Employment following dismissal or total Temporary Incapacity for Work. In these cases, Borrower Insurance covers your credit repayments for 18 months, without taking into account the income you receive elsewhere.

JFD FINANCES

BASIC CREDIT REQUIREMENTS

Before taking out a consumer loan or equipment loan, you must provide us with certain supporting documents to allow us to better assess your borrower profile and your repayment capacity. Our conditions for validating a credit are as follows:

  1. HAVE LEGAL CAPACITY
  2. BE SOLVENT: Have a fixed and regular source of income to cover loan commitments.
  3. HAVE A LOW DEBT RATE: The debt ratio is also studied to determine the solvency of a borrower. Generally the debt ratio should never exceed 33% of the borrower's monthly income. However, it is sometimes tolerated not to respect this 33% rule when the borrower's income is high or when the guarantees are sufficient; this decision remains the responsibility of our credit committee.

A loan binds you and must be repaid. Check your repayment capacity before you commit.