Depending on your financial situation and the funding sought, borrowing alone is possible provided you can prove to the bank that the loan has been repaid. For this, the future borrower must have several elements ensuring fixed income but also must not be excessively indebted. Therefore, how to prove to the bank the…
The employment contract can be a determining factor when seeking funding. Indeed, borrowing is generally more difficult than a person on a CDI, especially when it comes to providing financial guarantees. So how do you borrow on a fixed-term contract? Borrow with a fixed-term contract Whether for a consumer loan or a home loan, borrowing…
Zero Rate Loan (PTZ) is an interest-free, no-cost, government-assisted complementary loan. It is granted, under certain conditions, to people who wish to become owners of their main residence for the first time: this is called first-time ownership. A household that has not owned its main residence in the past two years is eligible again. In…
Obviously, signing a mortgage for the purchase of a home is a happy event, synonymous with change and accomplishment. However, if you do not repay your monthly payments, the bank may have to seize your building. So be careful not to have to come to such extremes! Our lawyer will inform you about the different…
Hello, my name is Jane , I am 33 years old, single without children, I finally found the cozy apartment with a superb view overlooking the rooftops in the center of Toulouse. I consulted my bank to obtain a loan offer with insurance. I told myself that having only one contact at a time for…
2017 will be considered a very good year in the real estate sector. Note that the volumes recorded between January 1 and August 31 go straight to a new record in the number of home loans. Note that the overall amount could approach 260 billion euros. Increase in housing starts, rental investments … How is…
After you have borrowed from a bank, unexpected things can happen over time. These unforeseen events can lead to a renegotiation with his bank or a need to repay the loans faster than what was planned. It should be noted that making a change in the repayment period may result in penalties. To better manage…
No one can accurately predict whether interest rates will rise or fall. The only certainty is that in this year 2015, it is good to buy, have it built or simply renegotiate your mortgage. Fixed or variable rate? Over 20 or 30 years? With equity or with a deposit? We inform you about tips and…
