Work and make a career in Lille

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Who recruits executives in Lille?

Impossible to speak of the capital of the Hauts-de-France without mentioning the distribution . And especially the e-commerce aspect , which is not really new, but still generates employment . “We have regular requests for functions related to e-payment, digital, data, illustrates Patrick Favre. Employers are looking for people who can handle all the information to better organize customer service . For example, “a few companies were already at the forefront of e-commerce a decade ago and now account for a significant share of their sales. Distance selling has also incorporated tech profiles for a better impact on the net, “says Jean-Michel Cambrai, who nevertheless recalls that” the Hauts-de-France region is a logistics platform on its own and the profiles sought are the same for all logistics providers, and are therefore difficult to find. “

The supply chain is also impacted by these consumption patterns. This is what Patrick Favre notes: “Services on the choices offered and delivery times are changing, which leads to skills needs in logistics and stream optimization. This is a real regional trend that can be explained by the large presence of retail players. And as Pierre-Luc Rigal, Deputy Regional Director of the Hays Nord office points out, “the impact of the entry into force of the General Data Protection Regulation (GDPR), which has resulted in many recruitments.

The region also hosts many construction companies , whether large groups such as Eiffage, Vinci, or Bouygues, or SMEs. Several projects are expected to bring jobs at the end of 2018, even years to come, starting with Lillenium , quoted by Pierre-Luc Rigal: “Construction has begun for this large commercial, leisure and office area which, with its 60,000 square meters, will reinvigorate the South of Lille, a space previously a little neglected. Overall, the construction industry has the same needs as before the crisis: engineers, experienced construction managers, contractors to monitor operations, but also a revival on the profiles of architects, because it is necessary to design the projects . “

According to the Pôle emploi workforce needs survey, in Hauts-de-France, the management jobs on which employers expect the most difficulties to recruit are engineers and administrative and maintenance managers in France. informatics, doctors, pharmacists, real estate agents, engineers, R & D study executives, and IT managers, engineers and executives in manufacturing and production, quality control production methods engineers, human resources executives and recruitment, engineers and executives R & D industry, and engineers and technical-sales executives.

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The most of the city: a real European crossroads

If it has long suffered from a bad image, Lille is in the process of restoring its image. In addition to a very good service (train, tram, metro and bus), it has the great advantage of being on the border between the main capitals of Europe, one hour from Paris, three from Amsterdam, and 1h30 from London and Brussels . It is also, as Pierre-Luc Rigal reminds us, “a very young city, student, dynamic as well as economically and culturally as sports, carrying projects and always changing. It knows how to adapt to societal changes, as it did by making the city center pedestrians and bicycles, inspired by the countries of the North. It is also close to both the sea and the countryside. And this reputation of hateful weather? “121 days of rain a year, only 10 more than in Paris! “Protests Pascaline Leignel.

Less in the city: less and less access

The disadvantages are rather less, according to Pierre-Luc Rigal, who admits all the same that “the pedestrianization of the center which was intended to unclog the city has, in return, congested the access roads to the city. “

The business districts of Lille

Lille has six competitiveness clusters and five sites of excellence! Pascaline Leignel, director of Pôle emploi agency, lists these: ” EuraTechnologies is home to 140 companies including big names such as Microsoft, Capgemini, or IBM and organizes 500 events a year for the promotion of French Tech. Eurasanté is the largest university hospital campus in Europe with 7 hospitals and 50 research laboratories. Euralille , in the East of the city is a business district on the tertiary and trade, which hosts companies of finance, insurance, telecommunications, consulting and informatics. For scientific and technological research, innovation and sustainable development, we have the European Science Park of Haute Borne . Finally, the Union area includes two sectors of excellence: one focused on the image and the cultural industries, the other on innovative textiles.”

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Restructuring of loan-free loans – how?

Typically, the repayment of repayment-free loans in connection with mortgage loans in the bank usually has a maturity of approximately 20-30 years.

Especially when your 30-year loan-free loan is about to cease, it’s a good idea to consider refinancing your loan at the bank.

If you want a conversion of loan-free loans, you can typically choose to:

  1. Continue with the loan and thereby use the remaining maturity to pay off the loan.
  2. Convert to an online installment loans not payday loans, so your performance will increase.
  3. Convert to a new 30-year repayment-free loan that will postpone your payment of repayments.

It is recommended that even if your loan-free loan only ends in 2-4 years, you should already consider the conversion loan.

This is because interest rate rises may arise, which will give you a less good interest rate than the one you currently have.

It may, therefore, be necessary to consider restructuring of repayment-free loans before the maturity of your loan is running out.

Repayment-free loan: Expires your loan?

Especially in the case of mortgages, questions may arise when your loan-free loan expires.

First and foremost, there may be doubts about how to shop from here.

If your loan-free loan expires, you usually have the following options:

  • Pay off your loan as planned without doing your other.
  • Share your remaining unpaid clicks over a longer period of time, so you step by step will get used to a higher monthly fee.
  • Refinance your loan for a new loan with or without repayment.

We recommend that you relate to the expiration of your repayment loan as quickly as possible.

This way you are better able to plan and prepare your finances to handle your loan-free loan.

Advantages and disadvantages of repayment-free loans

Before you decide to take out a loan with installable months, there are certain advantages and disadvantages of loan-free loans that you should be aware of.

Whether you are considering a loan-free loan in connection with housing or consumption, a number of factors will be in play.

Benefits of loan-free loans

The main advantage of these payday loans via is that you have more money available.

You get extra air in the economy to pay off other expensive debts you may have.

For example, if you have taken up a mortgage and mortgage in connection with home loans, your mortgage in the bank will typically be more expensive compared to the mortgage.

If we follow the avalanche strategy, it is always best to pay off the expensive loan first and as soon as possible.

You can, therefore, use the deductible period to increase your payment on the expensive loan.

In addition, repayment-free loans may be an advantage if you want to invest in, for example, equities, bonds or override more money for your pension savings.

Here, however, you must be sure that your earnings are greater than the costs associated with the repayment-free loan.

We, therefore, recommend that you make many calculations and seek guidance from an expert or banking adviser.

Unpaid Loans: Advantages

  • More money available in the deduction period.
  • Economic room for repayment of other expensive debts.
  • Investment in shares, pensions or other.

Drawbacks of repayment-free loans

Although repayment-free loans can be an advantageous solution, there are also certain disadvantages that are included.

First and foremost, your credit costs will typically increase as you simply postpone your payments.

You will still have to pay the interest the loan increases with, so the principal stays the same. The remaining debt will, therefore, be no less of choosing repayment periods.

Since the maturity of the loan is not changed, it means that after a repayment period, you will have a principal to be paid within the agreed time, so the repayments will be higher.

For these loans, the repayment period is normally offered for a few years depending on the term of the loan.

This is because you have to pay interest on the borrowed amount as interest on the interest until you start repaying the loan amount.

NOTE! If your financial situation does not improve after the repayment period, some may seem unavoidable to repay the outstanding debt as the repayments due for future payment have now become higher.

In addition, there may be a sudden increase in your costs when the installment period ends.

It is normal that the interest rate rises after the repayment period ends, why your loan can be increased if you do not repay the loan on time.

Non-repayable loans: Disadvantages

  • Higher credit costs.
  • Interest and fees are no less – on the contrary.
  • The chair remains the same in the repayment periods.