PERFECT iNVESTMENT
-CRÉDIT D'INVESTISSEMENT-
(+33) 7 55 99 57 29
OUR CREDITS
You are considering buying a new car or a new machine? You resume a trading fund? For some investments, an installment credit is often the best solution. The formalities are limited and you pay each month the same amount (constant monthly repayments). So you divide the cost of your credit in time.
An installment credit can be spent on all sorts of investments. A view of the most common destinations:
-
purchase of a new car or a used car
-
purchase of a machine, of professional equipment or a chattel...
-
recovery of a business
-
investment saving energy for a good real estate professional
-
payment of taxes
-
payment of taxes or social security contributions
-
financing of the payments of vacation and bonuses for your staff
For a credit to temperament to professional destination varies between 6 and 120 months (10 years). The maximum duration is depend on the destination and the amount borrowed.
The annual percentage rate (APR) of your installment credit depends on the amount and the term of your loan. You're going to finance also determines what you will have to repay every month.
Rates are regularly adapted to the evolution of financial markets.
Perfect Investment acts itself as provider of credit to temperament.
An installment credit refund is through constant monthly payments. Each month, you pay the same amount.
CREDITS CREATION
The creation credits are intended for the co-financing of personal expenses and intangible assets necessary for the realization of the business plan presented by SMEs (newly created). Are held including the land, buildings or parts of buildings to use exclusively professional, professional tools, manufacturing, production, or sales licenses, software, start-up costs, customer, the need for working capital, inventories, etc., under the condition that the activity related to the project has not yet started or that the recovery has not yet occurred to the date of demand.
The amount of the credit creation cannot be inferior to 5.000 euros, nor more than 250,000 euros, without exceeding however a share of 40% of the eligible basis.
Investment funded by a credit of creation are no longer eligible as part of an application for the granting of a credit investment of Perfect Investment.
The duration is usually 7 years. However, if the project includes a significant amount of capital (>50% of the total), the time can be extended.
The interest rate applicable to credit creation and recovery orients itself according to the rate of the credit market.
Repayment of credit is, in principle, through constant monthly amortization. A three-month initial grace period can be granted. Prepayments can be made without fees or penalties.
CREDIT IN THE MEDIUM & LONG TERM
Can benefit from Perfect Investment' medium and long term credits the industrial companies as well as companies providing services with a driving influence on national economic development and the own funds amounted to 25,000 euros at least.
The appropriations are intended for the financing of tangible and intangible assets depreciable as well as land used exclusively for business purposes. Parts of buildings used for non-professional purposes, rolling stock as well as stocks of raw materials or finished products are excluded from the benefit of the medium and long-term credit.
The project for which a medium and long term credit may be requested must be between 100,000 euros and 500,000 euros.
The amount of the credit granted can be neither less than 25,000 euros nor greater than 1,000,000 euros, except for rare exceptions. As a general rule, the Perfect Investment intervention rate varies according to the cost of the eligible investment.
The duration is based on the nature of the project with a maximum of 10 years. In general, the borrower has the choice between a medium-term (5 years) and long-term (6-10 years) a loan. In special cases, a period of grace of six months for the repayment of the capital can be granted when the loan is granted.
As a general rule, the interest rate is fixed for the first five years from signature of the loan contract.