{"id":620,"date":"2023-12-13T13:57:45","date_gmt":"2026-05-11T15:07:11","guid":{"rendered":"https:\/\/younited.com\/partners\/support\/criteres-attribution-de-pret\/"},"modified":"2026-05-11T16:00:01","modified_gmt":"2026-05-11T16:00:01","slug":"criteres-attribution-de-pret","status":"publish","type":"support","link":"https:\/\/younited.com\/partners\/fr\/support\/criteres-attribution-de-pret\/","title":{"rendered":"La s\u00e9lection des emprunteurs financ\u00e9s par Younited Credit est-elle stricte ?"},"content":{"rendered":"<p>Nous proposons aux Emprunteurs fran\u00e7ais solvables des cr\u00e9dits responsables (uniquement des pr\u00eats personnels amortissables \u2013 pas de cr\u00e9dit revolving) \u00e0 des taux parmi les plus comp\u00e9titifs du march\u00e9.<\/p>\n<p>Notre politique de s\u00e9lection des Emprunteurs est\u00a0<strong>aussi stricte<\/strong>\u00a0que celle des \u00e9tablissements de cr\u00e9dit traditionnels<\/p>\n<p>&#8211; Le formulaire que doit remplir l\u2019Emprunteur au moment de sa demande de cr\u00e9dit comporte plusieurs dizaines de champs d\u2019informations (dont certaines ne sont pas demand\u00e9es par les autres \u00e9tablissements de cr\u00e9dit)<\/p>\n<p>&#8211; Des pi\u00e8ces justificatives de situation sont demand\u00e9es \u00e0 chaque Emprunteur, et syst\u00e9matiquement v\u00e9rifi\u00e9es par un logiciel sp\u00e9cialis\u00e9, ainsi qu&#8217;une \u00e9quipe d&#8217;experts. Pour certains clients, Younited acc\u00e8de, sur autorisation, directement \u00e0 leurs comptes en ligne pour y effectuer des v\u00e9rifications.<\/p>\n<p>&#8211; Les fichiers n\u00e9gatifs de la Banque de France (FCC et FICP) sont syst\u00e9matiquement interrog\u00e9s et les emprunteurs ou coemprunteurs inscrits sur l\u2019un de ces 2 fichiers ne pourront pas souscrire de cr\u00e9dit chez Younited Credit.<\/p>\n<p>&#8211; L\u2019analyse de la conformit\u00e9 des justificatifs avec les informations d\u00e9clar\u00e9es dans le formulaire en ligne par l\u2019Emprunteur ainsi que les contr\u00f4les anti-fraude et anti-blanchiment sont effectu\u00e9s par une \u00e9quipe d\u00e9di\u00e9e au\u00a0 sein de Younited Credit.<\/p>\n<p>Un mod\u00e8le de score de cr\u00e9dit et de fraude sont \u00e9galement en place pour d\u00e9tecter et refuser les cas fragiles et\/ou suspects.<\/p>\n","protected":false},"template":"","category_faq":[],"target":[358],"class_list":["post-620","support","type-support","status-publish","hentry","target-investisseurs"],"acf":[],"yoast_head":"<title>La s\u00e9lection des emprunteurs financ\u00e9s par Younited Credit est-elle stricte ? 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