Can I take a loan being stuck in FICP? The
FICP (National Incident File Redemption credits) identifies individuals who have been incidents of payment (unpaid levies for the majority) and not regularized their situation.
If you are stuck in FICP credit. This prevents you
FILING therefore take credit for consumption, because each credit application, the institution must verify that you are not stuck.
How?
The first solution and by far the least expensive is to simply pay off your debts!
If you do not know who you plug (which is surprising!) you have to move to the Bank of France with an ID. Once the institution receives the funds, défichage be effective in 1-2 months.
After that you can apply for credit at another institution. Avoid the one you were stuck ... because it certainly has kept a record of your rebate bad!
The second approach is restricted to private property owners immobilier.En effect in this case, despite the filing that you can not make a loan to mortgage.
The operation consists in making a loan that includes your debts, your outstanding credit, treasury and the guarantee by taking a mortgage on your property. So in addition to interest, you'll have to adjust the handling charges and deeds.
Warning on this type of loan: almost without risk for the banks it comes up quite expensive to the individual that subscribes.
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