Project loan - Casden Banque Populaire

The CASDEN advantages

Thanks to the innovative CASDEN points savings system, you accumulate CASDEN points⁽¹⁾ every time you save. You can then use your points to obtain more advantageous conditions to finance your projects⁽²⁾.

Good to know

Apply for the Project Loan by telephone on 01 64 80 64 80 ⁽³⁾and obtain an immediate agreement in principle on the basis of the elements declared by telephone⁽⁴⁾
or by appointment at the Departmental Delegation
or from one of the Banques Populaires Régionales (partners of CASDEN), except BRED.

A credit commits you and must be repaid. Check your repayment capacity before you commit.

Beneficiaries

All CASDEN Members (active or retired) with CASDEN Points.

Amount

(for any subscription in the Departmental Delegation or by phone at CASDEN head office) ⁽⁵⁾

Auto and Works Project Loan	Cash Project Loan
Minimum : 2 000 € Maximum : 75 000 €	Minimum : 2 000 € Maximum : 50 000 €

Duration

(for any subscription in the Departmental Delegation or by phone at CASDEN head office) ⁽⁶

Minimum: 12 months
Maximum: 120 months

Indicative example, without contractual value:
For a CASDEN Auto Project Loan of € 10,000 over 48 months at the fixed annual borrowing rate of 2.44%, i.e. a Fixed APR of 2.77% ^(2), 48 monthly payments of € 278.88 (excluding optional insurance). Total amount owed by the borrower (excluding optional insurance): 10 566,24€ including 60 € administration fees. Annual effective insurance rate (TAEA): 0.79%^(7). Optional insurance cost: € 3.40 per month in addition to the monthly payment and total amount due for the insurance over the total term of the loan: € 163.20.

Specificities

With the CASDEN Project Loan^(2), you can finance any type of need (new vehicle, wedding, work, etc.).
The conditions fixed at the signing of the loan offer are guaranteed for a period of 6 months.
You have 6 months to release all or part of your loan: up to 5 releases maximum.
If you don’t unlock the loan, you don’t have to pay any fees.

Assurance

The borrower insurance allows you to cover for the duration of the loan from certain hazards of life, death, illness, serious accident, etc.
This insurance is essential to protect you from the resulting financial consequences and to protect your loved ones from these difficulties.
You can benefit from the group insurance offered by CASDEN ⁽⁷⁾. This is optional but essential to carry out your project with confidence. You can guarantee:

The payment of your outstanding capital in the event of Death or Total and Irreversible Loss of Autonomy (PTIA),
The payment of all or part of your deadlines in the event of Total Incapacity for Work (ITT).

(1) Points are counted at the end of the month.
(2) Rate conditions in effect on 01/01/2021. Offer subject to conditions, and within the limits set by the credit offer, subject to acceptance of your file by the lender CASDEN Banque Populaire. The borrower has a legal withdrawal period
(3) Non-surcharged call, cost according to your operator. Telephone reception open Monday to Friday, 8:30 a.m. to 6:30 p.m. (Metropolitan hours).
(4) For a loan request made remotely, by telephone at CASDEN headquarters. The final answer will be sent to you after studying your file by the lender, CASDEN Banque Populaire.
(5) For loans taken out through one of the Banque Populaire Regional Banks (partners of CASDEN), excluding BRED, the minimum and maximum amounts vary depending on the bank concerned. For more information, see conditions at the Banque Populaire regional branch.
(6) For loans taken out through one of the Banques Populaires Régionales (CASDEN partners), the minimum and maximum terms vary depending on the bank concerned. For more information, see conditions at the Banque Populaire regional branch.
(7) For the loan mentioned above and for a borrower under 61 years of age insured up to 100% in death and in total and irreversible loss of autonomy. Insurance conditions for CASDEN consumer loans taken out with the Departmental Delegations of CASDEN, remotely by telephone or at CASDEN headquarters. Collective insurance contract n ° A 180 H taken out by MGEN with CNP assurances, a company governed by the insurance code, covering the risks of Death, Total and Irreversible Loss of Autonomy and Total Incapacity for Work (guarantees variable coverage depending on your personal situation and subject to any exclusions by the insurer). The borrower is uninsurable from the age of 75 under this group insurance contract offered by CASDEN Banque Populaire. CASDEN Banque Populaire is an insurance intermediary registered with ORIAS under number 07 027 138.

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Project loan – Casden Banque Populaire