Who Can Benefit?

All private sector employees can benefit, regardless of their employment contract (CDI, CDD, etc..), That their company contributes 1% or not EMPLOYERS. The private sector pensioners who have ceased their activity within the last 5 years may also qualify.
No means test is required. You can get a Loan Pass-Works up to 8,000 € without any ceiling of resources. Your debt ratio should not exceed 35%.

This loan is for homeowners and renters. However, it can only finance the work done in the main residence. Are therefore excluded in the work of second homes and rental investments.

Please note, you must justify the use of money lent (up to 8,000 €, 9,600 € in some cases detailed below) with the specifications dated companies performing the work. If the amount is less than € 8,000, your loan will also be a lower amount. However, if you need more than 8,000 €, you must use a traditional bank loan in addition.Furthermore, the release of Loan Pass-Works will be made only upon submission of final bills.
A single applicant may purchase several loans Pass-Works simultaneously if the cumulative amount of loans written-work does not exceed the ceiling allocated to the applicant.
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You get a free credit, no interest you are asked for the loan. This type of credit is essentially proposed by merchants.

The prices of goods offered in free credit shall not be increased before the start of the credit supply. Advertise free credit is permitted off-premises sales (unless less than three months).

If You Pay Cash

You pay cash in a property proposed free credit. The seller must give you a discount (you must be well sold at a lower price). L.

Consumer Protection

In case of free credit for a period exceeding 90 days, you get the consumer protection provided in the consumer law (prior offer, the withdrawal period of 7 days).
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The lease-purchase (LOA) is sometimes also called:

• lease agreement to sell,
• or lease-purchase
• or leasing,
• or “leasing”.
• It is mainly used for the sale of motor vehicles, and sometimes for other goods (including computers).

It is mainly used for the sale of motor vehicles, and sometimes for other goods (including computers).
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Revolving credit allows clients to have a certain amount of money available at any time and reconstituted as and when their refunds. This type of loan – also called “revolving credit”, “revolving credit” and “reserve money” before the adoption of the law Lagarde in 2010 – is independent of the current account. This is the formula most flexible credit market. Please be vigilant to interest rates, often high and variable depending on the amount of the reserve, the amount used and the speed of repayment.

Principle

The credit institution offers a pool of money that you can use in whole or in part, as you see fit, within this ceiling. This product comes with small monthly payments that allow automatic replenishment of the reserve, which is always reusable.
It is the same for the cards distributed by most major retail stores. They are used mainly to get a discount if you buy but, in most cases, actual credit cards. Once a settlement or a withdrawal is made, the credit is opened, unless they repay immediately or at the end of the month.
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These loans are granted by credit institutions, including banks. You use the money lent as you want, and they are not assigned to a particular purpose.
The amount, rate, repayment terms are set at the conclusion of the contract.
Personal loans are repayable over a period laid down in advance by monthly installments.

Protection

You benefit from protection under the law for consumer credit (in particular obligation to submit a preliminary offer, the withdrawal period).
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For appropriations, a narrow arm’s length is established between the main contract (purchase), and the loan (credit), provided that the link is explicitly mentioned in both contracts.

This means that the execution of the loan on completion of the purchase contract (if you do not respond to the proposed purchase, the loan agreement will not form).

Other Consequences

If, conversely, the body refuses the loan or if you retract the purchase contract disappears at the same time.
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For every purchase using a credit, you get protection under the consumer law (obligation to submit a preliminary offer, the withdrawal period of 7 days). These are funds earmarked for the purchase of property or service, revolving loans, bank overdrafts, loans, free rentals sale or rental with purchase option.

Not concerned: Some credit transactions are not consumer credit and do not enjoy their protection:
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The credits are granted so-called earmarked for the purchase of movable property (car loan or motorcycle, for example) or a defined benefit (credit works). They are granted by credit institutions including banks. They are often contracted at places of sale when purchasing. In the contract, is that good or service that the credit is intended to finance. The amount, rate, repayment terms are also fixed.

Protection

You benefit from the protection provided by the consumer law (particularly obliged to submit a preliminary offer, the withdrawal period of 7 days).
The credit must be in an amount less than or equal to 21 500 €. It must be granted for a period exceeding three months. The lender must be a lender not casual.

The Advantages Of The Appropriation

The cancellation of the credit agreement is automatic if the contract of sale does not occur. You may request, under certain conditions, the suspension of repayment if you have a dispute over the purchase contract. At the time of purchase, if you request a credit from a bank, mention it on the order established by the seller (if you do not get the credit, you will not be charged).

Repayment Of Appropriation

No payment in any form whatsoever is due before the signing of the preliminary offer and before the expiry of the withdrawal period following the conclusion of the contract. When you complete the offer prior to an appropriation, please mention the property or the benefit fund. You will begin to repay only from the supply of goods or provision of the service.

Immediate Delivery

You can apply for the supply of goods or provision of the service immediately. You must make a specific request, drafted, signed and dated by your hand, stated on the contract of sale. You will be delivered in a period of between three and seven days: the withdrawal period expires and the date of delivery of goods or the provision of the service.