Advanced #31 – Getting a loan in French

Advanced #31 - Getting a loan in French
Advanced #31 - Getting a loan in French

Today I teach you all about getting a loan from the bank in French language my friend.

Advanced #31 - Getting a loan in French
Advanced #31 - Getting a loan in French
Advanced #31 - Getting a loan in French
Advanced #31 - Getting a loan in French

Avant d’emprunter, le particulier doit bien se renseigner sur le coût du crédit.

Before borrowing, the individual must be well informed about the cost of credit.

De toute façon, le banquier procèdera à la vérification de la capacité de remboursement de la personne demandant un crédit.

In any case, the banker will check the repayment capacity of the person requesting a loan.

Le coût total d’un emprunt se compose de la somme empruntée plus les intérêts perçus, les différents frais et l’assurance obligatoire.

The total cost of a loan is made up of the amount borrowed plus interest received, various charges and mandatory insurance.

Les intérêts du prêt sont calculés selon un pourcentage appliqué à la somme empruntée.

The loan interest is calculated according to a percentage applied to the amount borrowed.

Des garanties sont souvent demandées par la banque comme l’hypothèque (sûreté sur le bien immobilier) ou le cautionnement (sûreté personnelle par ajout d’un second débiteur).

Guarantees are often requested by the bank such as a mortgage (security on the property) or a personal guarantee (personal security by adding a second debtor).

Enfin, le Taux Annuel Effectif Global ou TAEG comprend tous les coûts nécessaires à la réalisation du financement : le taux d’intérêt, les frais de dossier et d’assurance, etc.

Finally, the Annual Global Effective Rate includes all the costs necessary for the realization of the financing: the interest rate, the administrative and insurance costs, etc.

Published by Claire SAMUEL

My name is Claire and my mission is to teach you French with a smile my friend!

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