As an employee, you have many rights and obligations. You will find a lot of essential information about your rights and obligations as a worker, as well as advice for your career or for your personal development.
Need to borrow? Credit institutions do not systematically grant loans to their customers. However, some banks offer financing solutions more easily than others, and often at attractive rates. What are they and how do you compare the borrowing conditions applied by banks in general? What loans are of
Taking out a loan of €275,000 from a bank or a credit company is not always easy. You have to make sure that the salary you have allows you to apply for a loan of such an amount, whether you are alone or as a couple. Here are some indications regarding the debt ratio and the funding capacity of a bo
The SCI or real estate civil society is a company bringing together individuals who invest in real estate together to build up additional income. Sometimes such a company needs additional funds in order to make rental investments. She will therefore have recourse to a mortgage. What is special about
A credit expert, the real estate broker acts both as an advisor and as a negotiator for his client in search of the best financing. Using a broker to find financing for your real estate project brings many advantages, including saving time and money, transaction security and many others. To convince
When subscribing to a mortgage, your financial situation will be scrutinized by the bank. According to some popular beliefs, earning a minimum wage is an obstacle to the realization of a real estate project. And yet, that is not entirely true. Because the bank will mainly analyze your borrowing capa
The establishment of a mortgage generally requires a financial guarantee from the borrower. This guarantee will then generate additional costs which will be added to your borrowed capital. We do not always think of the financial guarantee, however, when it is required by the bank and influences the
If you want to undertake renovation work in your home and you do not have the necessary funds, you will have to resort to a work loan. The works loan is in principle a consumer loan granted to finance a renovation, an extension or the installation of new equipment in the house. However, to a certain
Have you found the property of your dream and you cant wait to sign the sales contract and take the keys to the accommodation? Before you get there, you have to go through a number of steps, including getting the financing, if you dont have the necessary funds in your hands yet. In order to prevent
When you want to realize a real estate project as a couple, the use of a bank loan is often essential. And when we talk about mortgages, the professional situation of the borrowers will have a major impact on the outcome of the request for financing. To limit the risks, banks tend to favor stable jo
The cost of a kitchen is often so important that to redo it, owners resort to consumer credit. However, you should know that banks and credit institutions offer the possibility of including this amount in a mortgage in order to benefit from all the necessary budget thanks to a single loan. If you fi
When applying for a home loan from a bank, it is in your best interest to present a complete file. Not only will this speed up the processing of your file, but it will also demonstrate your seriousness in the eyes of the bank. When you put together your funding application file, you must therefore s
More and more people are embarking on a real estate project after 50, whether to acquire a main residence or to invest in real estate. However, the path is not easy once you are over fifty. The approach of retirement indeed seems to be holding back banks because of the drop in income that accompanie
Do you sometimes feel overwhelmed by the monthly payments and deadlines of your current mortgage? In general, extending the duration of a loan is a solution to reduce the amount of monthly payments in order to benefit from a more comfortable rest of life or have the possibility of coping with unfore
The best way to obtain a mortgage from a bank is to present a solid file. The mortgage is indeed a loan of a large sum that commits you for many years. To be sure that the bank will grant your request, you must meet a number of conditions. When studying your file, the bank will therefore need suppor
When the couple plans to embark on a real estate project, most often they use a mortgage. The mortgage being a rather complicated financing to obtain, borrowing together is sometimes the best solution to solidify your file. Whether you are cohabiting, civil partnership or married, you have the possi
Acquiring real estate is a project that is best undertaken as long as you are young and have the opportunity. Indeed, it is easier for a young person benefiting from a stable professional situation to obtain a mortgage. Among the conditions of the mortgage the easiest to fulfill for a young first-t
In the context of a mortgage, the insurance rate is expressed by the effective annual rate of insurance or TAEA. To set it, insurance organizations and banks refer to criteria such as the age of the subscriber, his professional situation or the duration of the loan. This rate greatly influences the
Cancer is one of the diseases that constitute an aggravated risk in terms of home loan insurance. Thus, borrowers with cancer or having had cancer will be subject to an additional premium. In most cases, they will even be denied coverage. Fortunately, there are solutions allowing these people to rea
In recent years, we have seen exceptionally low interest rates on mortgages, so if you took out your loan 10 years ago, you will find that your rate is high. If you also want to take advantage of a low rate for your loan, know that it is possible to renegotiate in order to achieve substantial savin
The repurchase of mortgage is an operation supposed to make you benefit from a better rate and therefore allow you to save money. Thus, before starting, it is imperative to properly assess the consequences of this operation. Indeed, the repurchase of credit generates costs. And for it to be profitab