According to a study published by the French Banking Federation, fewer and fewer households are taking out consumer credit. Effect of the crisis, fear of unemployment, drop in purchasing power, only 18.4% of French households took out a loan in 2013 (against 21.5% in 2008!). The decision to take out a loan in 2013 is made for "valid" reasons, that is to say almost essential purchases: car, home improvement. The "favorite" loans are in decline and we hardly get into debt to go on vacation or give a gift ... Households having taken out a loan are also quite pessimistic, consider that their budget is deteriorating (46.8%) and that debt is a necessary evil! It is therefore now imperative to compare the credits before subscribing to check that the offer made is really the cheapest.
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