It will always be in your interest to inform your lender of your situation and to try to find solutions in consultation with him, because the consequences can be significant : Penalties are imposed on you. Your interest rate is revised upwards, …
Some mortgage contracts provide that when the rate is revised, certain elements, such as the rate revision frequency, of your credit contract can be renegotiated with the bank. If your mortgage contract does not offer this flexibility, you have two…
When you apply for credit, the following documents are generally requested: The sales agreement In principle, your tax returns for the last two full years Salary slips for your current job, or the last invoices you issued if you are self-employed An…
The repayment period of your mortgage loan has a direct impact on the amount of monthly payments to be paid and on the total cost of your loan. A word of advice: choose a term that suits your current financial situation, while planning what will ha…
Whether it is the purchase of land, an apartment or a house, a construction or a renovation, it is an important investment that will accompany you for many years. years. It is therefore essential to prepare the ground well. Before taking out a mort…
You may have a bank account in one or even several banks. Start by getting information from them. And then consult other lenders or mortgage credit intermediaries. You can then compete. Instructions for use: prospectus, simulations, ESIS sheet, … wh…
Before taking out a mortgage loan , always be sure to inform yourself about what it will cost you in the long term, ie the capital borrowed plus interest, the property tax, certain insurances. Other costs are also to be expected when signing the cre…
As soon as you are over 18 and looking to finance a real estate purchase, you can request a mortgage credit simulation. Review by the lender of your financial situation Your level of income Your personal situation: to estimate your expenses Your deb…
We must distinguish between different types of credit: Mortgage loan with capital amortization Bridge loan and other fixed-term mortgage loans Combination of several types Mortgage loan with capital reconstitution 1.Mortgage loan with amortization …
The mortgage loan allows you to have the money necessary to carry out your real estate projects. This form of loan is usually spread over a period of 10 to 30 years. Before taking out a mortgage loan, it is essential to be well informed. Credit is n…
1 - What will be the amount of your personal contribution? The personal contribution is the amount you can invest for the purchase of your property. It must make it possible to cover various costs: notary, file, guarantees... According to the banks,…
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