The repurchase of credit with mortgage is a banking solution only reserved for borrowers who have real estate. It consists of grouping together several loans in order to facilitate their management, reduce the amount of monthly payments or take advantage of a lower interest rate. How does the repurc

When signing up for mortgage loan insurance, borrowers tend to focus more on prices and guarantees. However, there are other essential elements affecting the quality of coverage such as the waiting period and deductible. Is it possible to negotiate these latency periods or even eliminate them? Answe

Vis-à-vis the law, there is no age limit for taking out a mortgage. Thus, whether the senior is 60, 65 or 70 years old, he remains eligible for this banking system. The difficulty will rather be at the level of borrower insurance, because insurers tend to impose age limits generally turning around 6

In a gloomy economic context marked by an incessant increase in the unemployment rate, the interest of subscribing to a job loss guarantee sounds obvious. Through this offer, the insurer undertakes to repay the loan in place of the borrower, until the latter finds a more stable professional situatio

Following a divorce or separation, the spouses continue to be dependent together on the debts contracted during their union, including a mortgage. To dissociate yourself from this bank loan, buying back credit to pay the balance is an avenue to explore. How does this system actually work? Answers. W

The repurchase of credit represents the ideal solution when a borrower begins to have difficulty repaying his current loans. Thanks to this bank offer, he reduces the amount of his monthly payments while having the possibility of obtaining additional cash which will allow him to finance renovation w

Linking financial interests at the end of a marriage, a PACS or cohabitation is a common practice. However, managing banking agreements becomes complicated after a divorce or separation. To no longer be dependent on the debts of the other, a couple must imperatively proceed to a separation. Explanat

Before deciding on your mortgage application file, your bank will carry out its study. This is a service that requires time and rigour. It is following this study that it will be able to offer you an offer that corresponds to your project. When we talk about service, however, we also talk about rem

Like many French people, are you thinking of buying a second home? The second home is a place of reunion for holidays or even weekends, but it is also likely to become a good investment if you prepare the purchase well. Apart from the choice of the property and its geographical location, you must ab

If you are a national education teacher and you aspire to obtain a mortgage. Good news:you have every chance, because your civil servant status facilitates access to bank financing. However, be aware that your professional situation is not the only criterion taken into account by banks. Other elemen

Having two permanent contracts and applying for a mortgage opens up all possibilities. Professional stability is one of the criteria determining access to a loan and couples with a stable and sustainable activity have every chance. Nevertheless, apart from the professional situation, the bank also s

The personal contribution is an important issue in the context of a real estate project. Nevertheless, banks sometimes agree to grant loans without contribution for certain investor profiles. All that remains is to find these establishments and there are two solutions for this:take the steps yoursel

This is the crucial question that many borrowers ask themselves. Indeed, the borrowing capacity determines the type of real estate that it is possible to acquire. Thus, before applying for a mortgage, it is important to take stock of your income and expenses to find out if the loan does not risk unb

Have you always heard that working in the public service opens the doors to mortgage loans more easily? Of course, this is valid for tenured civil servants. Nevertheless, for agents on probation, the task looks more difficult, because it is not certain that the internship will lead to tenure. So how

Not everyone is eligible for a mortgage. Before being able to access financing, you will have to succeed in convincing the banks by displaying an exemplary profile. Only people who are able to repay their loan correctly without destabilizing their budget can benefit from the confidence of lenders. E

The total cost of a home loan does not only depend on the interest rate associated with the offer. There are many other elements that inflate the bill to name only the borrower insurance, the price of the financial guarantee or even any administrative fees. Discover in detail the particularities of

Obtaining a home loan is certainly not a coincidence. Upstream, it will be necessary to carefully prepare the request in order to put the odds on your side. By knowing how to reassure and convince the banks of his solvency, the borrower will obtain their favors. What are the tips for presenting a so

Obtaining a home loan is certainly not done within an hour after the application file is filed. On the contrary, sometimes it takes more than a month before the bank gives its answer. How does the processing of a home loan work? Are there solutions to possibly speed up the process? The sales agreeme

Providing a personal contribution is a sine qua non condition for accessing a mortgage. It is a guarantee on the solvency and the seriousness of the borrower who participates at the same time in the reduction of the amount to be borrowed. How can this capital be built up? Answers. Personal contribut

The Sole Proprietorship with Limited Liability is defined and differs from the SARL by its mode of incorporation:a single partner. The EURL is aimed at entrepreneurs who wish to launch their project on their own. However, nothing prevents them from associating with other people afterwards by sellin