Are you an official and want to buy real estate or finance the education of your children? Bet on the loan official, this financing solution that allows you to carry out your projects without having to save many years.

Indeed, you have a great job stability, but the evolution is quite slow and you can not expect to get big salaries. This form of official credit has been designed to fit your professional situation and your personal needs.

An official loan for job security

An official loan for job security

Before granting you credit, financial institutions will check your employment situation and use it as a guarantee. With the loan officer, this point is settled in advance with the security of the job and you therefore have every chance of obtaining this funding.

However, a debt threshold must always be respected and if you need a loan that exceeds this rate, you must ask for help from the organizations set up to support you in the research loans officials preferential or customized.

Finally, our site allows you to find the best consumer loan and make a simulation however, we found that many Belgians read this article and to contact us to know if we also offer credit for Belgians, this is unfortunately not the case, but we can only warmly recommend to the Belgian to make a credit simulation on pret-simulation.be.

Who are the organizations that offer the loan?

Who are the organizations that offer the loan?

The CSF

The Social Credit of the Public Servants is an association created in 1955 to support the civil servants requiring a solution of guarantee within the framework of obtaining a loan civil servant. Since then, this mutual guarantee system has helped more than 2 million public servants by playing the role of a broker who negotiates with banks to find the best source of funding to meet the demands of its members.

To be able to offer loans to officials who have already been refused by the other banks, the CSF works in collaboration with four entities that are credit, CSF Assurances, Progretis and the CSF foundation.

The BFM

The Banque Française Mutualiste has been in existence for more than 25 years to help public sector employees. It offers the latter an official loan at attractive tariff conditions to enable them to finance their projects.

Indeed, the BFM works in partnership with Society general to offer you preferential loans and insurance at lower cost, as well as savings solutions and bonds in the context of a mortgage.

The different types of official loan

The different types of official loan

To better meet your needs, the official loan is available in several forms, the most sought after are:

The real estate credit official

When intended for the construction or purchase of a new or old house, the official loan is the equivalent of 1% housing loan in the private sector. Granted in France, this loan will not require any application fee or mortgage guarantee for a repayment period of 10 to 15 years.

To calculate the official loan amount, the geographical location and the number of rooms in the dwelling will be taken into account.

The personal loan official

This employee loan is defined as a personal loan where you will not have to provide proof of use of funds. Depending on your financial situation and the criteria for calculating your financial institution, the amount you can borrow is between 3,000 to 20,000 euros for a repayment period of between 12 and 72 months.

In your employee loan agreement, you will know everything about your credit, because the amount of the monthly payment is fixed according to the repayment plan.

The car loan official

Another official loan formula, the car loan subscribed by a public sector agent will be used to acquire a vehicle, with the presence of proof of purchase. Here, the amount is 3,000 to 60,000 euros, for a repayment period of 12 to 72 months.

As for the repayment plan, it is fixed in advance and the amount of the monthly payments will be the same throughout the life of the loan.

The renewable official loan

Compared to the traditional amortizable government loan, the revolving government loan will be granted in exchange for a fairly high rate, with a repayment term that will be defined according to the cost of the monthly payments that you will repay.

The official credit redemption

When you can no longer manage all of your public loans, you will be able to redeem credit. This will help you consolidate your outstanding credits into one loan to reduce the cost of the monthly payment and allow you to improve your budget.

Beneficiaries of the official loan

Beneficiaries of the official loan

By definition, the official loan would only be granted to persons working in the public sector. But regulations vary from one financial institution to another, and you can access this source of funding if you are a public servant, contract or trainee in a state, territorial, hospital or military public service. Loan offers are also granted to children and spouses of civil servants, employees of public establishments and elected officials (local, national, European). And if you have a private law contract but work in a company with state participation, you also meet the requirements for the granting of a civil servant loan.