How long does the training course last?

8,00 hours(s)

In which language(s) is the training course taught?

When will the next session take place?

18.10.2027

See details

Where does the training course take place?

Luxembourg

How much does the training course cost?

220,00€

Who is organising this training course?

Fondation créée en 2015 par la Chambre de Commerce et l’Association des Banques et Banquiers Luxembourg (ABBL), la House of Training est un organisme agréé de formation professionnelle continue qui s'engage à contribuer activement à la compétitivité et à l'attractivité du Luxembourg en développant les compétences de ceux qui font vivre son économie.

Who is the training course aimed at?

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.

What are the aims or the skills being targeted?

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)

What does the training course cover?

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