Health credit is successful

200 requests which resulted in nearly 140 meetings with an advisor and 80 educated loans. The loan from the Paris municipal credit at a fixed rate of 2.95% and an amount capped at 3,000 euros to finance health expenses seems to be working well. In 71% of cases, the amounts needed by loan applicants exceed 2,000 euros and a significant portion is around 3,000 euros. “90% of requests concern dental costs and in these cases, the sums remaining payable by the insured are very high”, explains Emmanuel Bourriez, deputy general manager of the banking establishment. Moreover, it does not exclude raising the loan ceiling, even if it means modifying the rate.

More surprisingly, this health loan arouses the interest of very different customers. ” Among the applicants, we have the two extremes of the French population in terms of age, specifies Emmanuel Bourriez: 8% are young employees under 30 years old without mutual insurance and 18% are over 70 years old. 42% of loan applicants are retired while 29.3% have an open-ended contract. “ However, the strangest thing is that this health loan seems to be of interest to low-income people as well as to those who are more financially comfortable. Indeed, 55% of applicants earn less than 2,000 euros per month, while 45% receive more. A large quarter of applicants even benefit from a remuneration greater than 2,500 euros.

Open to all, this credit can be granted within 48 hours to applicants after studying their particular situation, for example to finance the purchase of dental prostheses or even orthodontic or optical costs. “It can be taken out either by phone or physically during an appointment at one of our agencies in Ile de France. They are the same advisers, whether on site or by phone, so they have the same analysis. Because it is also a know-how of our house, to assess the implementation of a loan without destabilizing the budget, ”adds Emmanuel Bourriez.