- Mortgages
- 7-year mortgage
- Consumer/equipment loans
- Car loans
To apply for a loan, you need to contact your advisor and tell him or her about your financing requirements. Your adviser will provide you with a loan simulation and an amortisation table so that you can complete the contract.
The response time for a credit application depends on the type of credit requested. You can contact your customer advisor for more information about the details of your loan.
Yes! You can take out a mortgage with BICIM subject to certain conditions.
No! you need to open a current account to take out a mortgage with BICIM.
Your repayment period varies according to the type of loan taken out and your repayment capacity. The maximum repayment period is 120 months.
- A handwritten, reasoned loan application
- An estimate of the work to be carried out, a plan and planning permission in the case of a building project
- A promise of sale in the case of a purchase
- The last three pay slips
- A copy of your employment contract
- Employer's certificate less than 3 months old
- Proof of irrevocable direct debit of salary
- Photocopy of valid identity card
- The last 3 monthly statements if you are a customer of another local bank
- Proof of non-indebtedness if you have an account with another bank.
Your adviser will determine the amount of the loan and the monthly repayments based on your project, your personal contribution and your repayment capacity.
The interest rate on a home loan is negotiable.
The funds will be released gradually once your application has been approved, the loan agreement has been signed and the supporting invoices have been presented. The funds will then be made available to you.
The procedure involves :
- You must take out insurance to cover the risks of death and disability. This protects your loved ones in the event of non-repayment.
- irrevocable direct debit of your salary signed by your employer or irrevocable direct debit of any other income
- A first mortgage on the property to be built, renovated or acquired, up to the amount of the loan granted.
As soon as the loan is taken out, you repay part of the interest each month. Repayment of the capital portion begins the following month, when your loan is consolidated or fully released, at the latest one year after the first funds are put in place. You will receive a statement for each repayment. Repayment is made by monthly direct debit from your cheque account.
Yes, whether it's a partial or full repayment, all you have to do is send a request to your advisor, specifying the repayment date and the amount (if it's a partial repayment).
Yes, all you need to do is send your adviser a copy of the loan agreement for which you want to renegotiate the repayment period, and fill in the rider that sets out the changes to the terms and conditions of the contract, so that they can be renegotiated.
BICIM offers you a mortgage-free 7-year loan tailored to your needs (purchase of land, building work, renovation, etc.), with monthly repayments of capital and interest.
Depending on your repayment capacity, you can receive 100% finance for your project up to a maximum of 30,000,000 FCFA.
You can take out your 7-year mortgage as soon as your application has been approved by the bank.
You repay your 7-year mortgage by monthly direct debit from your account.
The procedure requires you to take out insurance to cover the risks of death and disability, and to have your salary irrevocably domiciled with your employer or any other income irrevocably domiciled. In addition to these guarantees, you must provide a mortgage or pledge on the property to be financed (owned by the borrower).
BICIM offers you a consumer/equipment credit, a loan granted to you to finance a need (purchase of equipment, furniture, finance work, etc.).
Your repayment period is 36 months or less, or longer on a case-by-case basis.
The interest rate is discussed with your advisor. It varies according to the term of your loan.
- A handwritten, reasoned loan application
- The last three pay slips
- A copy of your employment contract
- Employer's certificate less than 3 months old
- Proof of irrevocable direct debit of salary
- Photocopy of valid identity card
- The last three monthly statements if you are a customer of another bank
- Proof of non-indebtedness if you have an account with another bank
You start repaying your loan from the month following the release of the loan. Direct debits are made monthly from your cheque account.
Yes, you can pay off your loan early. Contact your credit manager for more information.
The procedure requires :
- taking out insurance to cover the risks of death and invalidity
- irrevocable direct debit of your salary signed by your employer or irrevocable direct debit of any other income.
Yes, as part of a renegotiation. You will then be given a new amortisation table.
A car loan is a loan designed to help you buy your vehicle.
- Application fees
- CADIT insurance (death, invalidity, accident, job loss)
No! You need to open an ordinary account to take out a car loan with BICIM.
No. At BICIM, you can take out a car loan without having to make a down payment.
Your repayment period is 36 months or less, or longer on a case-by-case basis.
Depending on your project and your ability to repay, your advisor will determine the amount of your loan and the monthly repayments.
The interest rate is discussed with your adviser. It varies according to the term of your loan and your income.
The interest rate is discussed with your adviser. It varies according to the term of your loan and your income.
- A loan application signed by the customer
- The originals of the last three pay slips
- A photocopy of your national identity card
- Employer's certificate
- Copy of employment contract
- Certificate of irrevocable direct debit of salary
- The last 3 monthly statements if you are a customer of another bank
- Proof of non-indebtedness if you have an account with another bank
The procedure involves :
- taking out insurance to cover the risks of death and invalidity
- irrevocable direct debit of your salary signed by your employer or irrevocable direct debit of any other income
- A pledge on the vehicle in some cases
You start repaying your loan from the month following the release of the loan. Direct debits are made from your cheque account on a monthly basis.
Yes, as part of a renegotiation. You will then be given a new amortisation schedule. You can also repay your loan early, subject to the following conditions.
