Loan Social Accession

Created to facilitate access to property for low incomes , the Social Accession Loan.

pret pas

Commonly known as the PAS loan, allows (mainly) beneficiaries to obtain Personal Housing Assistance (CLA), but not only.

Who can benefit 

The PAS loan is reserved for households that do not exceed a certain income threshold. The calculation of this ceiling is done on the reference fiscal income of year N-2 of the project. You will find it on your corresponding tax notice.

For which project?

The loan PAS finances the acquisition in principal residence. Thus, it can finance the purchase of a new property or a construction, the purchase of an old housing, or even of work of improvement of the housing or saving of energy on the conditions that the works exceed 4000 €.

PAS loan characteristics

Repayment period

The maximum repayment term is 25 years. The contract may provide for an extension up to 35 years.


The PAS loan can finance up to 100% of the operation .


It is the bank that decides the applicable rate on each file, without being able to exceed a maximum rate, currently set at 3.25% for rates of 15 to 20 years, and 3.35% for loans over 20 years. .


The PAS loan is necessarily accompanied by a real guarantee , ie either a mortgage or a lender’s lien.

The benefits of the PAS loan


Reduced filing fees

The maximum application fee on a PAS loan is 500 €. (some banks have a higher fee schedule, so you’re limited to $ 500)

Right to APL

Surely the biggest advantage of a PAS loan, the latter gives you the right to APL . Feel free to do a simulation. Be careful however, LPAs are temporary and recalculated each year based on your income. We advise not to take them into account in your calculations and consider them as additional income.

Security in case of unemployment

The PAS loan finally gives the beneficiaries security if one of them is affected by unemployment. Indeed, in case of unemployment, 50% of the monthly payment can be postponed at the end of the loan, and therefore not settled immediately. This period can not exceed 12 consecutive months.

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Discover cheap payday loans for bad credit and get money

Borrowing money while you are on the blacklist can be tricky! You often have to take a blacklist check into account and get all kinds of questions. This makes a loan application not only difficult but also takes unnecessarily long. Everything you probably want is quick money in your account, without all that hassle. Without fuss money on your account is now possible! You arrange this today with the help of a payday loan for bad credit that you take out online at!

Close online loan

Where banks are difficult about a notation on the blacklist, the blacklist control at providers is completely omitted. Due to the time these checks take and the number of people excluded from a loan in this way, loan providers decided not to do these checks. This means that borrowing through the internet with a notation on the blacklist is also possible. The fact that you can take out these loans online is a very unique aspect of these loans. This ensures that a loan application is completed in 5 minutes, that you can arrange this at any time of the day and also that you do not have to leave the door for this!

How much money to borrow?

You decide exactly how much you borrow, you have the choice between all amounts from 50 and 1000 euro. Also where you want to spend the money you are completely free. For example, you can choose to purchase a new phone for 400 euros, but you can also pay the rent with a loan of 550 euros or pay with 800 euros a flight holiday. You do not have to inform the loan provider what you will do with the money. Keep in mind that with these loans you have to have the money available again relatively quickly, so it is wise not to borrow more than you need.

That’s how you arrange it!

Would you also like to take out a loan of your choice online? It is not difficult to arrange at all. With the next steps, you always have money today!
– Search the internet for providers of online loans, other search terms that you can use are small loans, fast loans or flash loans
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– On the website, you will also find the application form, fill this in truth and indicate how much you want to borrow
– You will then receive a text message confirming your application and your application will then be processed! You always receive money the same day, but sometimes within 10 minutes!

Tips for leading student loan consolidation

1. Support, “Broke” Student Mentality

The majority of people can’t get big assets because they can’t control unnecessary costs. This can be a particularly difficult bank loan for students just entering the labor market and probably earning more money than they ever had before. However, when it comes to living, cost-effective students have a key advantage over hardened adults who are accustomed to living an expensive lifestyle: most students are not used to work as follows. Most students are already living a life-saving lifestyle, which means that they will be easier to maintain after they leave school. Remember, $ 20 here and $ 10 are there for a year. If you can control the purchase of a “small” pulse, you will be in good shape

2. Develop a Cash Circulation Confirmation and Budget and Keep Them

The use of some type of money circulation confirmation may be a key asset for young people. Some system lagging behind your money circulations allows you to see exactly where each dollar quick credit comes from and where it goes. When the money circulation claim is used for budgeting, then you have the entire financial picture. You are able to see how much you thought you would spend on a particular item as well as what you actually spent. These two sources of financial information are probably the most important tool young people have at their disposal. You can keep track of your costs online at sites like and

3. Control your Credit Report

Your credit will affect many aspects of your adult life such as whether you can get a car loan, a loan, and even some jobs. That’s why it’s important to keep an eye on your credit score and your credit report. Make sure that you pay your bills on time and make sure that you don’t override your credit limits. You must use sites that offer free advice on how to improve your credit score on a regular basis.

4. Learn About Your Student Loans And Your Payback Choice

There are three major loan repayment plans for most students: a graduate, a quick loan extension, and a revenue-based payback. Each of these plans offers different features that will meet different needs. If you think your salary is going to increase quickly then a certified plan may be the best for you. If you are unable to make the recommended payout, an extended or revenue-based plan may be the best. Learn about the different choices available to you and choose the one that helps you move forward in the best financial condition.

5. Think About Reducing Your Interest Rate With Student Loan Consolidation Programs

There is a new consolidation program available for students who will last until the end of June. This allows you to lower your interest rate by 0.25% to unite as well as another 0.25% if you decide to make automatic payments every month. This is a great way to lower your prices, even if it’s only 0.25% to 0.50%. Not much help, especially with larger loan balance sheets.

6. ALWAYS Pay With Your Higher Interest Loans Initially

Today, most student loans have low interest rates thanks to taxpayer subsidies. Students who graduate with another loan on student loan debt tops must always compare interest rates and settle with debt with the highest interest rate HOME. This is less than the point of having a loan with a 4% interest rate at a time when the credit line is sitting and accumulating 19% per annum. Pay attention to interest rates and you save yourself a lot of money.

7. Post Payments if necessary. Do not fulfill obligations.

If you can, where you are in trouble, pay on the credit line, do your student loans invite the lender and ask about delay or tolerance. In times like them, lenders want to work with you until you have been making constant efforts to pay your bills. Failure to meet financial obligations must be the last choice only when there is nothing else. Failure to meet your financial obligations not only hurts your official credit, it also hurts your social credit. People will be much less likely to do business with you or help you get rid of it if they know you have just withdrawn from your commitment in the past. This is a situation that will avoid all costs.

If you follow these tips, you will be well on your way to the sound financial future.

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