Credit is the best way to subsidize an expense for which you do not have enough funds. Several banks are ready to accompany you in your various projects. A personal loan is when it is made for the purpose of financing a personal project, whatever it may be. Here is a small list of the best personal loan platforms you can have and the documents you need to provide.
Which personal loan platform to choose?
The personal loan is an important credit for which you must be sure to have the best guarantees. All you need to do is use an online comparison tool to find the right platform for you.
DHB Bank Personal Loan
DHB Bank is an international bank that specializes in providing personal loans. The bank’s goal is to provide its customers with a quality service by offering transparent offers and a complete follow-up. The annual percentage rate of charge (APR) offered for the **BHB Bank personal **loan is 4.89%. You can borrow between €5000 and €100,000 to subsidize any of your personal projects.
Cetelem personal loan
The financial institution Cetelem is affiliated with BNP Paribas Group and offers all kinds of loans to individuals. Among their many formulas, we find the Cetelem personal loan. This offer allows you to have between 1200 € and 200 000 € that you repay over a period of 12 to 120 months. The bank does not require you to be their customer before you can benefit from this service. The contract is signed online and you will receive your money very quickly. In addition, the annual interest rate is 5.99%.
KBC personal loan
The KBC bank is the second largest bank in Belgium. In addition to its classic banking services, it offers its customers advantageous loans for the duration of their choice. The** KBC personal loan** entitles you to a loan of €500 to €25,000. You can repay over a period of 12 to 120 months. The application is done online and you don’t have to pay any file fees. In addition, you can take advantage of an annual rate of 5.29% at this bank. Do not hesitate to visit their website to simulate your credit.
Comfort Plus Personal Loan
Banque Beobank is a very popular bank in France. It is known for its varied formulas adapted to the needs of its customers. One of these packages is the** Confort Plus offer**, which is an advantageous personal loan. You can apply online from your home without paying any application fees. This credit formula entitles you to 1250 € and 7500 € that you repay over a period of 12 to 42 months. The APR is 4.85%.
In short, there are several personal credit offers. It is up to you to choose the one that best meets your expectations. You will find among the above platforms the one that suits you.
Documents to be provided to have its personal loan
The** documents to be provided** to make a request for a personal loan serve as proof. They attest to your personal and professional situation. They are among others :
- a bank statement of identity ;
- the amortization tables of your various loans;
- the last pay slips dated less than three months ago;
- the latest pension fund statements (if you are retired);
- a photocopy of your valid identity card or passport;
- the last tax notice showing your income for a full year.
In addition, you will need to provide a proof of residence dated at least three months or a bill (gas, electricity or telephone bill). Most banks only require a few of these documents. It is nevertheless recommended to have them all. Do not hesitate to look for the** required documents** on the website of the bank you have chosen.