What documents to provide for a personal loan?
To subscribe to a personal loan, you will need to put together a file that brings together some administrative and supporting documents. Personal loan, Auto loan, work loan ... certain documents are common for all requests, and others remain specific to the type of credit as to the credit organization.
Any loan request, whatever its destination, must be accompanied by personal documents including:
- Proof of identity, for example a photocopy of both sides of the valid identity card, or a photocopy of the passport.
- A recent proof of address, generally less than three months old, such as a gas or electricity bill, a fixed telephone subscription, etc.
Each co-signer must provide their own supporting documents, both personal and financial.
Financial supporting documents
To assess the repayment capacity and its terms, credit organizations ask for supporting documents.
- Salaried professionals must provide the most recent pay slips, generally those for the last three months, or a bulletin for the month of December of the year preceding the request. It is imperative to request the tax notice in addition to the payslip:
- For salaried customers who have a direct and indirect relationship with their employer
- For employees who hold capital shares in the company and who exercise a managerial position (ex; salaried manager)
- Non-salaried professionals must provide their last tax notice indicating the income for a full year (4 sheets).
- Retirees, for their part, must provide the latest pension fund statements - basic, supplementary, supplementary -.
In all cases, you must also provide a RIB - Bank Identity Statement -, as well as the last tax notice: the latter justifies the solvency of the applicant.
You may also be asked for proof of personal contribution if applicable, a loan amortization table, etc.