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 The Credit civil servant: The ACEF is an association created by civils servant for civils servant and assimilated.
By joining the members of the ACEF, you profit from advantages privileged as regards credit: credit civil servant, of insurance, services and leisures, established with partners carefully selected and suceptibles to answer your waitings.
Banking offer ACEF: to accompany you with flexibility in your projects Near to the civils servant and comparable, certain banks are present at each stage of your professional life.
At the time of your establishment, of your changes or of the preparation of your retirement, you have solutions adapted well to optimize your situation.
Extra-banking offer ACEF: really invaluable services and advantages Beyond the banking offer, the ACEF and some banks succeeded in negotiating many extra-banking advantages by the means of partnerships.
According to your area, you have access to tariffs privileged on services, leisures… , for example hiring of car, voyages, hotel trade .....
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Repurchase credit civil servant
A NON-PROFIT-MAKING TRADE ASSOCIATION The FRENCH ASSOCIATION OF the BANKING INTERMEDIARIES (AFIB) is an association with nonlucrative goal control by the law of July 1, 1901 founded in 1997 by Intermediaries in Operations of Bank whose statute was then governed by article 65 of law 84-46 of January 24, 1984, said banking Loi (incorporated today in the Monetary and Financial Code).
Repurchase credit civil servant: association Frenchwomen of the Banking Intermediaries presents to you the professional charter of the intermediaries in operations of bank.
Repurchase credit civil servant: the AFIB is a non-profit-making trade association, gathering the professionals independent of the credit.
Repurchase credit civil servant: this association has as an aim and vocation defense, the valorization and the promotion of the profession of intermediary in operations of bank.
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 GATHER THE TRUE PROFESSIONALS INDEPENDENT OF THE CREDIT ACTING WITHIN THE FRAMEWORK OF THE LAW
Made by them and made for them, this single trade association in this specific branch of industry has as an aim and vocation defense, the valorization and the promotion of the profession of intermediary in operations of bank, such as control by the L.519-1 articles and following of the Monetary and Financial Code (Repurchase credit civil servant).
It gathers today professionals sorted on the shutter who answer his very restrictive criteria of admission in terms of independence with respect to the credit institutions, of standing and of occupational experience and committed themselves respecting, in addition to the whole of the legislation and the regulation which are essential on them, the rules of deontology which it initiated (Repurchase credit civil servant).
ETHICS One of its first achievements was the establishment of a professional Charter of deontology that all its members commit themselves respecting scrupulously.
It periodically enacts recommendations with its members on the application, the daily newspaper, of the texts in force, recommendations which have the character of Code of good control.
The AFIB EAST the SPOKESMAN OF THESE PROFESSIONALS Today, the AFIB continues a measured development and becomes the partner impossible to circumvent of the authorities, the credit institutions having recourse to the banking intermediaries and, of course, of the only professionals independent of the credit who are the true intermediaries in operations of bank.
It was thus recognized by various authorities and even by the media large-public, including one, specialized in the consumption, which one cannot suspecter of benevolence with regard to the professionals in general: 60 MILLION CONSUMERS (N° January 324, 1999).
Did you know ? The borrower of a loan on real property has time for consideration 10 days. The sale is subordinated to obtaining the loan.
If it is not obtained, the salesman must refund the perceived sums. In accordance with the law, no payment of some nature that it is, can be required of a private individual before obtaining one or more loans of money.
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 A PROPOSAL AND THINK TANK ON THE PROFESSION
It is also a crucible of reflexion and a force of proposal on this profession of which the economic and social interest any more is not disputed from now on.
The future of this profession, which testifies indeed to the evolution of a way of life and, for a share of its activities, attenuates certain drifts of them.
This profession will be organized within the European and international framework within a space unified time worked by new technologies of transfer of remote information.
APPROVAL Approval is personal. The members commit themselves making respect the professional charter in their cabinet or company by the personnel or associated practising the activity.
No group can be prevailed of Afib if all its members are not affiliated. The AFIB is an association with nonlucrative goal control by the Law of July 1, 1901 - creation date:
November 7, 1997 The AFIB has vocation to gather the professionals adhering to his ethics and exerting, on a purely principal and usual basis, the profession of intermediary in operations of bank defined by the L.519-1 articles in L.519-5 of the Monetary and Financial Code. All its members commit themselves respecting the present Charter honestly.
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