How to finance the details of your move?

Moving is always an important step for anyone. Whether you are changing your home or workplace, it requires good preparation and generates expenses. If you do not have a substantial budget, you may find it difficult to cover all the costs. Fortunately, there are now multiple solutions to finance every detail of your move. Here, we present the most effective ways to make your project a success.

Opt for a moving loan

When moving, you need to plan for various expenses. Generally, this project includes renting a van or hiring professional movers, purchasing necessary packing materials, and paying for different repair or decoration works. To cover these costs, you can take out a moving loan. This is a loan specifically designed to finance the details of your move.

With this solution, you can benefit from a small sum of money to better manage your project. Above all, it offers you several advantages such as:

• Receiving loan amounts ranging from €200 to several thousand euros;
• Getting a loan that can be repaid over a flexible period;
• Following a simplified process with the help of many financial organisations.

Choose a microloan without proof of income

As you may have guessed, a loan without proof of income is a loan you can obtain without having to justify its use. This solution is suitable for financing both small and large projects. Therefore, you can use the amount received to meet any type of need, including a move.

In other words, this option is also a loan that does not require you to prove your income. You will not need to send your payslips by post or provide paper documents to apply. To get this loan, you can turn to certain online organisations or peer-to-peer lending platforms such as Finfrog. In short, here are the benefits of this solution:

• Finance urgent moving expenses;
• Obtain money quickly to meet your needs;
• Get a loan for a move without having to justify its use;
• Start the loan process without having to meet complex conditions.

Government assistance to finance your move

The government has set up financial assistance to help individuals move. These include the moving allowance, Action Logement assistance, and the Housing Solidarity Fund (FSL) support.

The moving allowance is managed and paid by the Family Allowance Fund (CAF) and the Agricultural Social Security (MSA). Several criteria must be met to obtain it. It is intended for families with at least three dependent children during or within six months after the move. The amount of this allowance is €995.54 for three children and increases by €82.96 for each additional child.

As for the Housing Solidarity Fund (FSL) support, it helps people in difficult situations finance their move. The amount is not fixed and depends on the beneficiary's situation and the local council granting it.

For Action Logement assistance, there is the Mobili-Pass for non-agricultural employees and Agri-Mobility for agricultural employees.

Other solutions to consider

In addition to the options presented above, there are other solutions to finance your move. They stand out for their simplicity and accessibility.

Revolving credit to make your move a success

To cover the small expenses of your move, revolving credit remains an interesting alternative. You can complete the process yourself without using a professional and benefit from a little financial boost. To find out which type of credit suits you, you can do online simulations. This will allow you to explore various credit offers and compare them. Then, you can find out about the terms of each lending organisation (amount, repayment period, options offered, etc.).

Your employer's financial contribution

If you need to move for professional reasons, your employer's financial contribution may be an option. Your manager may cover all or part of the expenses related to your move. Do not hesitate to discuss the costs before starting preparations. You should also check with the Human Resources department to find out your rights. For example, you may be entitled to a few days off to move in addition to subsidies.

Payment facilities

To cover the costs of your project, you can also consider assistance from moving professionals. They often offer payment facilities to help finance their services.

Simulate your move