BNP Paribas Personal Finance

All these mortgage specialist brands advise and accompany clients in the realisation of their projects. They offer a full range of mortgage products distributed either directly or through intermediaries, but always in strict cooperation with players on the property market (property professionals).

For more than 50 years, UCB has been a leading player in France. Today UCB is the largest French personal mortgage specialist through its international business, and is present in a dozen European countries.

Created in 1953 to finance French household purchases, Cetelem quickly imposed itself as the N° 1 in consumer credit in both France and continental Europe.

Cetelem, a market multispecialist, offers consumers a full range of products (classic loans, car loans, permanent accounts) and complementary services (personal finance services, commerce services, non-financial services) both on its own account and through partnerships. Convinced of the necessity to develop multi-channelling, Cetelem is today the European No°1 for Internet credit, which represents more than 15% of its live production (excluding points of sale).

Cetelem is a partner of reference for major distribution brands, and also for banks, insurance companies and car traders. Present in 27 countries, including 17 in Europe, its strategy based on the development of responsible lending is European and global.

MCIS(UCB,BNP Paribas Invest’immo, BNP Paribas International Buyers) and Cetelem offer a whole range of personal loan consolidation solutions, adapted to the needs of consumers and their financial situation. All BNP Paribas Personal Finance clients can ask an expert to accompany and guide them in their project.

Although this activity is currently only present in France, the development strategy is resolutely European, as are the other BNP Paribas Personal Finance activities.