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Mortgage


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Mortgage


SOLUTIONS FOR EACH PROJECT

Have you decided to purchase a property?

Because a real estate purchase is an investment in the long term, our team is here to support you in your project, advise you and help you benefit from preferential conditions with our banking partners.

Our company operates throughout the Alpes-Maritimes. To facilitate your efforts and best meet your expectations, we can meet you at your home or any other place you wish.

The nature of your projects can be different:

  • The purchase of your principal residence
  • Buying a second home
  • A rental investment
  • A purchase with resale (bridge loan)

As a broker, we support you and advise you throughout your property acquisition process: 

  • Study the feasibility of your project
  • Analysis of different assistive devices you may benefit
  • Search for better financing terms: rates, application fees, guarantees ...
  • Follow up with various stakeholders related to your case: real estate agent, notary, banker, insurer ...

You may submit your request by filling in the online application form. We promise to review your request and respond to you within 24 hours. This study is free and without obligation!
No money, of any nature whatsoever, may be demanded of an individual before obtaining one or more monetary loans.

If you have previously made an application for credit with your banker, you will be able to make a comparison between the offer of your bank and the one we will submit yo.

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Steps of mortgage


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Steps of mortgage


IS YOUR FIRST PURCHASE IN REAL ESTATE? HERE ARE THE KEY STEPS OF YOUR ACQUISITION

  1. YOUR PROJECT
    Study your real estate project (location, price, work to do ...)
    Analyse your personal, financial and professional situation
    Calculate your borrowing capacity
     
  2. SIGNING OF THE SALE AGREEMENT
    Signing sale offer or provisional commitment to sell
    Beware of suspensive clauses! Including that relating to obtaining a bank loan
     
  3. CONSTITUTION OF YOUR FILE
    Collect of Documents and information necessary for the constitution of your file
    Choice of loan terms: amount, rate, duration, insurance, guarantees ...
    Signature Capital research mandate
     
  4. PRESENTATION TO THE DIFFERENT BANK
    Presentation of your file to the partner banks
    Agreement in principle on the part of one or more banks
    Study the various proposals
     
  5. APPOINTMENT AT THE BANK
    Your validation at a proposal
    Appointment with the partner bank for:
    Opening a bank account which will usually be domiciled your income
    Sign the loan application and the loan insurance application
     
  6. OFFICIAL EDITION OF THE LOAN OFFER
    Reception at Home of the official loan offer.
    This offer is valid for a period of 30 days
    Verification of compliance with the terms of its funding requested
    You have a period of reflection incompressible of 10 days after receiving the formal offer
    You can return by mail the signed offer from the 11th day
     
  7. SIGNATURE OF THE AUTHENTICATED DEED
    Reception prior to the request for release of funds
    Appointment with your notary to sign the deed
     
  8. YOU ARE OWNERS
    Congratulations !
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Aid systems


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Aid systems


AID THE CONTRACT FOR LOANS BANKING PRODUCTS ... MAKE THE POINT

That's it. You've decided to buy a property. Now raises the question of funding for this property. Your contribution, certain subsidies and bank loans can be the source of that funding. Some banking products (PEL, CEL) which you could subscribe to in the years prior to your purchase may allow you to enjoy privileged conditions. There may also be periodic aid arrangements put in place at local and national level. On bank loans, there are a number of so-called loans contracted (PTZ, PAS, PC ...), you can avail depending on your personal situation, and that you will make use of for the financed property: Main Residence , rental investment ...

You will find below some information about these different types of aid

 

Regarding passbooks and bank accounts

PEL
Home Savings Plan is a secure investment that generates interest and may allow obtaining a home loan under certain conditions. An initial payment of € 225 as well as annual installments of € 540 is required. The PEL has a minimum duration of 4 years, and its current ceiling is set at € 62,400 excluding capitalized interest. The main advantage of the current PEL is the employee's rate of 2%.
For more information: www.service-public.fr

CEL
The Home Savings Account is a savings account available at all times which generates interest and may allow obtaining a home loan under certain conditions. An initial payment of € 300. No annual payment limit is set. However, the CEL has a ceiling of € 15,300 (excluding capitalized interest) and a rate of return of 0.5%.
For more information: www.service-public.fr

Local and national support schemes

ADIL06
The Departmental Agency for Information on Housing responds to a number of questions you could ask about the legal, tax and financial related to your home, whether you own or rent.
For more information: www.adil06.org

ANAH
The National Housing Agency subsidizes the work under certain conditions, whether occupiers or landlords, and can allow you to benefit from a significant tax deduction on your gross income from property if you agree to rent your property at an affordable rent to people with low incomes.
For more information: www.anah.fr

The loans agreements

PTZ
The Zero Rate Loan is a contracted loan granted by banks under certain conditions. Only first-time buyers can benefit. The amount of zero-interest loan and its repayment period will depend on the household income, the number of persons intended to occupy the accommodation, the price of the asset to be financed and the geographical area. It can be used to finance up to 40% of the property.
For more information: www.territoires.gouv.fr

PAS
Loan for Social Accession is another type of panel loan granted by banks under certain conditions. It can finance your principal residence and of your upgrade work. That its grant depends on household income and the number of people who composes it. The two main advantages of the PAS are the inclusion of APL and family allowances in calculating your debt ratio and the ability to borrow without input.
For more information: www.pret-accession-sociale.com

PC
The Conventional Loan is offered by almost all the banks, it is similar to a number of the same points as PAS. It allows to finance your principal residence as well as your home improvement work. The PC reaches a wider public than PAS because its grant is not dependent on means testing. It can finance all of your property and therefore does not require input from you.
For more information: www.service-public.fr

1% Housing - Housing Loan Action
The 1% housing loan is reserved for employees of private sector companies that have 10 or more employees. This loan can partially finance the acquisition or construction of primary residence. The loan amount is limited to 30% of the cost of the operation to the limit of € 25,000 (for most cities of Alpes-Maritimes). The interest rate is equal to the book Pay Rate At 31 December of the previous year (currently 1%). The loan will have a maximum
duration of 20 years.
For more information: www.actionlogement.fr

PLS and PLI for Rental Investment
The Social Rental Loans and Intermediate Rental Loans are two devices set up by the state for financing and improvement of goods for hire. To benefit to the landlord agrees to rent his property respecting a maximum rent based on where the housing is located. The PLS is intended to finance social housing says (existing income ceiling for tenants), and allows the owner to benefit from a VAT reduction and exemption TFPB for 25 years. The PLI when with him has income limits for tenants like the ceilings of PINEL device. The PLI of rent ceilings higher than those of the PLS but does not receive tax benefits.
For more information on the PLS: www.territoires.gouv.fr
For more information on the PLI: www.territoires.gouv.fr

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Guarantee


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Guarantee


WHICH GUARANTEE TO CHOOSE?

For mortgages, the bank will require from you that you subscribe to the following guarantees: mortgage, privilege of the money lender (IPPD), the surety company, or surety of a particular .

Note that the mortgage is usually the guarantee whose cost is the highest. This is due to land registration tax and registration fees in mortgage office. The cost of the mortgage is about 1.5% of the credit amount.

The IPPD meanwhile, relates only to the acquisition of former properties. Its cost is lower than the mortgage and represents an average of 0.5% to 1% of the loan amount.
The PPD eventually happens automatically two years after the payment of the final installment.
However if the borrower decides to sell the property before the end of the repayment of the credit, it will then perform "freehand costs"/ Costs of the release of the mortgage.

Surety companies were created by the banks to reduce the costs of security for the loan. At the end of the credit, part of the deposit fee will be returned to you. These organizations include include: Crédit Logement, CAMCA and SACCEF.

Some professions may apply to have particularly advantageous terms through a mutual organization or linked to their employer.