Why are SMEs more dependent on bank credit than large companies to finance their investments?
- Why are SMEs more dependent on bank credit than large companies to finance their investments?
- How important is credit?
- What are the advantages of a family loan?
- How to get a home loan with a bank overdraft?
- Why can the bank consider that the borrower has a stable professional situation?
- How to finance home ownership with a zero interest loan?
The SME and TPE (very small companies) are so structurally more dependent from bank financingmainly due to of the small size of the loans needed to their financing.
Firstly, credit banking is a means of sustaining their activities, improving their productivity and stimulating economic growth, and on the other hand, the indebtedness of small and medium-sized enterprises weighs down their performance (Belouard and Seder, 2002).
A family loan can for example be a good solution because on the one hand it does not impact the debt ratio and on the other hand because it can be repaid without too much constraint. If you are under 40, consider comparing group insurance rates with external companies.
Even if it is possible to obtain a home loan with a bank overdraft, we advise you to delay your request somewhat and to present your file only when your accounts are cleared. It is essential to present at least the last statement with a positive balance.
Contrary to popular belief, the bank may consider that the borrower has a stable professional situation, even with a CDD. The proof is with people who have been working in the interim for many years.
What facilitate the access to the property. However, the zero-rate loan remains limited to the purchase of a new home that meets the 2012 thermal standards (RT2012). Furthermore, the aid can only be used for the acquisition of the property. It is therefore not possible to finance notary fees with a PTZ.