Thursday, 20 September 2018

Day 169: Credit

Today was a fasting day.

Now that I have signed the promesse de vente on my first mini-apartment I have to find the financing to allow me to complete the sale.  This involves calling some banks and credit organisations and then preparing a solid administrative file.  The file (dossier in french) is composed of a series of documents (payslips, bank statements, tax certificate, ID, etc).  In the old days all these documents would be original or copies of your actual documents.  Nowadays (thankfully) everything is done electronically.  All your documents are scanned copies which you send to the bank by e-mail.  As I am preparing my documentation I realise that considering my knowledge of computing it would actually be relatively easy for me to create all these documents with whatever numbers would suit me. The banks don't ask to see originals anymore they just assume that a pdf file or image file is an actual document.  I'm thinking I should do a whole false dossier for "fun" and then when the bank gives me the loan I could sell them a Consulting project to oversee their loan procedures.  Or I could publish it as a case study in a newspaper.

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