Our types of credits:

 

The types of credits mentioned below can be classified into the following two groups: 

 

I- Short term credit: 

 

Its duration varies from 1 to 18 months and the conditions necessary to contract it are as follows:

- be a member and have a checking account,

- Make a 20% cantonment in his account,

- present an irrevocable transfer certificate (AVI) for an employee,

- present the market order form for market financing.

 

 II- Long term credit: 

 

Its duration is greater than 18 months and the conditions necessary to contract it are as follows:

- be a member and have a checking account,

- Make a 20% cantonment in his account,

- present an irrevocable transfer certificate (AVI) for an employee,

- present the market order form for market financing.

 

 1 -Microcredit: 

 The funds mobilized (savings, subsidies, loans, donations, etc.) are allocated:

- small businesses,

- very small businesses (very small businesses),

- to SMEs (Small and medium-sized enterprises),

- to PMI to agriculture, at breeding,

- to halieutic, to crafts,

 

 2- School credit: 

    Prepare your children's back to school and benefit from additional credits. Secure the future of your children by making frozen and remunerated savings at preferential rates.

 

3- Consumer credit

 

The consumer credit contributes to the financing and to the realization of your projects related to everyday life (end of year party, ceremony ...), and this at highly competitive rates.

 

4- Real Estate Credit:

 

With flexible and personalized loan formulas, ADeC supports you in all your real estate projects (The house of your dreams where your children can grow up safely in total comfort, etc.) Construction loans allow you to carry out your construction projects with peace of mind, thanks to our advice and monitoring. This section also includes the repair credit which allows you to undertake or carry out renovation work for your home.

 

5- Market financing:

 

Faced with any difficulties in achieving your markets, ADeC is ready to grant eligible borrowers sums to finance their projects.

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