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Loans to Retail Clients - Fundamentals

Banking

Description

Objectives

At the end of this course, you will be familiar with the different types of personal loans, their characteristics and operating principles, as well as the guarantees that may be attached to them. You will also have carried out a number of exercises which will enable you to assess which type of loan is best suited to your client and the conditions (guarantees...) under which you can grant it. To do this, you will have analysed in detail:


The different types of personal loans:

  • Consumer credit (lines of credit, cards, advances/overdrafts, cheques), the needs to which they respond and the risks involved
  • Consumer credit, its characteristics and uses
  • Mortgage loans, their characteristics and criteria for granting
  • Special loans (temporary advances, bank guarantees, lombard loans and student loans) and their purpose

The various guarantees that may be required when granting a loan:

  • main guarantee (intrinsic value of the applicant, value of the business)
  • Additional guarantees:
  • Real guarantees (mortgage, pledge), what they consist of, their type, characteristics and conditions of validity
  • Personal guarantees (surety), their characteristics, the forms they may take and their validity conditions
  • Moral guarantees (undertaking not to transfer or mortgage, mortgage promise, mortgage mandate), what they consist of and the risks involved
  • Subsidiary guarantees (salary transfer, domiciliation of income, outstanding balance insurance, transfer of benefit of a life assurance policy, transfer of benefit of a fine insurance policy, CASCO insurance)
Programme
  • Introduction
  • Types of Loans
    • Current account loan
    • Credit line; Cards; Advance/overdraft; Cheques for payment vs. direct loan
    • Consumer loans
    • Property loans
    • Specific loans
      • FTA; BG; Lombard loan/advance on securities; student loans
  • TYPES OF GUARANTEES
    • Personal guarantees
    • Real guarantees
      • mortgage; pledge
    • Additional guarantees
      • CPSI; insurance; transfer of salary; domiciliation of income; mortgage mandate
      • Moral guarantees
  • PRACTICAL EXAMPLES
Target audience

This training is aimed at professionals in the credit departments of banking institutions, networks of banking agents facing with credit management, business advisors, insurance professionals, people undergoing a career transition, professionals in the real estate sector.

Conditions

Course Material

Please note that for environmental reasons no paper version of the training material will be provided for your training. The course material can be downloaded free of charge via your portal before the start of the course (download the Client Portal User’s Guide here). You will be able to view it on the screen of your mobile device or print it if necessary. If your registration has been made by a training manager of your company please contact him/her so that he/she can give you access to it or send it to you.

Location
Chambre de Commerce Luxembourg
7, rue Alcide de Gasperi
L-1615 Luxembourg
Luxembourg
Calculate the itinerary

Sessions and schedules

Duration 1H

Location Chambre de Commerce Luxembourg

  • Tue 07.01.2025 08:45 to 11:45
  • Tue 14.01.2025 08:45 to 11:45
  • Tue 21.01.2025 08:45 to 11:45
  • Tue 28.01.2025 08:45 to 11:45
  • Thu 30.01.2025 08:45 to 11:45
  • Tue 04.02.2025 08:45 to 11:45
  • Tue 11.02.2025 08:45 to 11:45
  • Tue 25.02.2025 08:45 to 11:45
  • Thu 27.02.2025 08:45 to 11:45
  • Tue 04.03.2025 08:45 to 11:45
  • Tue 11.03.2025 08:45 to 11:45
  • Tue 18.03.2025 08:45 to 11:45
  • Tue 25.03.2025 08:45 to 11:45
  • Thu 27.03.2025 08:45 to 11:45
  • Tue 01.04.2025 08:45 to 11:45
  • Tue 22.04.2025 08:45 to 11:45
  • Fri 25.04.2025 08:45 to 11:45
  • Tue 29.04.2025 08:45 to 11:45
  • Tue 06.05.2025 08:45 to 11:45
  • Tue 13.05.2025 08:45 to 11:45
  • Tue 20.05.2025 08:45 to 11:45
  • Thu 22.05.2025 08:45 to 11:45
  • Tue 27.05.2025 08:45 to 11:45
  • Tue 03.06.2025 08:45 to 11:45
  • Tue 10.06.2025 08:45 to 11:45
  • Tue 17.06.2025 08:45 to 11:45
  • Tue 24.06.2025 08:45 to 11:45
  • Thu 26.06.2025 08:45 to 11:45
  • Tue 01.07.2025 08:45 to 11:45
  • Tue 08.07.2025 08:45 to 11:45
  • Thu 10.07.2025 08:45 to 11:45
  • Tue 15.07.2025 08:45 to 11:45
  • Tue 16.09.2025 08:45 to 11:45
  • Tue 23.09.2025 08:45 to 11:45
  • Thu 25.09.2025 08:45 to 11:45
  • Tue 30.09.2025 08:45 to 11:45
  • Tue 07.10.2025 08:45 to 11:45
  • Tue 14.10.2025 08:45 to 11:45
  • Tue 21.10.2025 08:45 to 11:45
  • Tue 28.10.2025 08:45 to 11:45
  • Thu 30.10.2025 08:45 to 11:45
  • Tue 11.11.2025 08:45 to 11:45
  • Tue 25.11.2025 08:45 to 11:45
  • Thu 27.11.2025 08:45 to 11:45
  • Tue 02.12.2025 08:45 to 11:45
  • Thu 04.12.2025 08:45 to 11:45
  • Tue 09.12.2025 08:45 to 11:45
  • Thu 11.12.2025 08:45 to 11:45
  • Tue 16.12.2025 08:45 to 11:45
  • Thu 18.12.2025 08:45 to 11:45