What level of guarantee does Younited Credit offer?

The level of guarantee differs according to the investment product.

– Term accounts are investments guaranteed by Younited (capital and interest), and eligible for the Fonds de Garantie des Dépôts et de Résolution (up to 100,000 euros)

– Units in securitization mutual funds (FCT) are not guaranteed (in capital or interest).

Concerning units in securitization mutual funds (FCT) :

The investment is not guaranteed, and the product’s level of performance depends on the repayment of the receivables held in the fund’s assets.

Nevertheless, Younited has implemented a strict risk management policy to ensure the quality of the borrowers financed, and consequently the product’s performance.

As part of its risk management, Younited Credit has put in place the following 3 mechanisms:
1° – a strict selection of Borrowers, with a scoring model and a granting policy based on best practices
2° – a rigorous policy for recovering unpaid loans
3° – the implementation of a mutualization system allowing Borrowers’ unpaid loans to be shared among all Investors (operation by “funds”).