Interest rate
The annual interest rate of 5.90% corresponds to the monthly rate of 0.48%.
It includes death/disability insurance and is fixed for the entire term of the loan.
Monthly interest is degressive, as the interest rate is applied monthly to the outstanding principal.
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5.90% Current annual rate for an ordinary loan |
Ordinary loan conditions
To find out which conditions apply to active and retired members download the regulatory brochure on ordinary loan.
Documents to submit
Documents to submit, together, for an ordinary loan application:
- the loan application form, duly completed and signed (handwritten signature only);
- the medical questionnaire, duly completed and signed (handwritten signature only);
- a copy of your last salary;
- a copy of your last Pension Fund statement (only if you have an outstanding housing loan with La Mutuelle);
- the last statements of your other credits/debts/credit cards, including UNFCU.
If you are not yet a member of La Mutuelle, please apply for membership. At the end of the process, you will be asked to send some documents to La Mutuelle by e-mail. Please add all relevant documents of your loan application and send them at the same time.
Budgetary simulation
The budgetary simulation is important as it gives a precise idea of your financial situation.
The exercise is long but the result is relevant and allows you to take the necessary measures in case of negative monthly balance.
If this is the case, it is essential to act immediately to get your finances back on track as effectively as possible.
La Mutuelle is at your disposal to advise and assist you if needed.