Your mortgage loan can also concern a professional part of your home: your office, your doctor's office, your workshop, your store.. . Be sure to determine the areas occupied for each use, private and professional. This is important for your t…
You have not yet finished repaying your mortgage loan, and yet you would like to leave your home. You can resell or rent your accommodation. These two solutions have different financial consequences. Sell your old home Sell your old home. Are yo…
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…
Every month, for the duration of your mortgage loan, you repay the borrowed capital plus interest. The repayment of capital . Your monthly payment covers part of the capital you have borrowed (except for bridging loans or fixed-term loans). The paym…
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 granting you a mortgage loan, the lender will want and must ensure that you are able to repay the amounts loaned. It will also take into account several elements such as the amount of your monthly income, the value of the property you buy or …
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…
The interest rate applied to your loan determines the amount you will have to pay the lender in the form of interest, in addition to the capital borrowed. You have the choice between two types of interest: the fixed rate or the variable rate. A fixe…
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…
Our website uses cookies to improve your experience. Learn more
Ok