Geographical distance, volume of personal belongings, time of year... Depending on the conditions under which you change home, the cost of a move can quickly prove onerous. If you don't qualify for assistance from certain social organizations (CAF, Pôle Emploi, Caisses de retraite...), you may need external financing. What solutions can you envisage to finance your move? And what are the eligibility criteria? Whether you hire a mover or not, find out how to find the resources you need for your move.
Before embarking on the race for financing, you must first establish an estimate of the costs associated with your moving project.
You must then take into account :
You should also be aware that some energy suppliers charge a meter activation fee, which you should factor into your estimate.
If you want to use the services of a professional mover, start by contacting several of them to get quotes. This will give you a fairly accurate idea of the costs of handling and transportation, provided you can compare offers for similar services. Movers can offer you different formulas, with different levels of service. You need to take this into account when estimating costs.
If you're moving on your own, or renting a removal van, the costs are more complex to estimate. You need to take into account the cost of renting the vehicle, gas and tolls, and the purchase of materials needed to prepare boxes and protect furniture...
Once you've determined how much you'll need for your move, you can start looking for financing to supplement your personal contribution.
Employer contributions, payment facilities, personal loans or credit solutions... There are many ways to finance the costs of your move.
If you are transferred for professional reasons, your employer may cover all or part of the moving costs if he/she initiated the transfer. Don't hesitate to raise the subject of moving expenses in your negotiations.
Some national and even international companies also have framework agreements with professionals such as Les Gentlemen du Déménagement. This can be financially advantageous for you. Not to mention any special measures that may be defined in your collective or company agreement.
Check with your Human Resources department to find out what you're entitled to. Take the opportunity to ask if you're entitled to days off for moving. That's a big plus if your collective or company agreement allows it!
If need be, some removal professionals can provide payment facilities to finance their services.
These payment facilities may be provided by credit organizations or directly by the remover, who may, at his discretion, allow his customers to spread the payment of his service.
You can also contact a financial institution (bank or credit organization) to obtain a revolving credit or personal loan.
Also known as consumer credit, this loan gives you a reserve of money for everyday purchases, without having to justify your expenditure. It can also be used to finance a move. In addition to formula 3, Les Gentlemen du Déménagement can also offer you this type of financing.
Unlike revolving credit, personal loans are granted by a bank for a specific project. If, for example, you're moving into a home you're buying, you can use it to pay for both the move and renovation work.
For both personal and consumer loans, interest rates vary according to the amounts involved and the number of monthly payments. Check with banks and credit companies to draw up a payment schedule and find out about the conditions under which you can finance your move.
Please note: banks and credit companies can refuse to grant you a personal loan or consumer credit, especially if you already have a high level of indebtedness. Plan ahead as much as possible and investigate all the possibilities before committing yourself to a moving contract without having the financing in place.
As you can see, in addition to social assistance, there are a number of other financing solutions available to help you pay for your removal services. Ask your employer, mover, bank or credit institution for more information. If you find that our moving packages are too expensive for your budget, we can also offer you a low-cost moving solution involving the rental of a truck with driver. It's less expensive, but still safe to transport. However, you won't benefit from the same insurance conditions for your move.
To get a quote for your move, and to find out more about our financing solutions, please contact us.