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Deposit or mortgage for a mortgage?Deposit or mortgage for a mortgage?


When contracting a home loan, the lending institution takes a risk in lending money to the borrower. This risk is all the greater in the context of a real estate loan because the sums are larger and the durations lengthened in comparison with other credits. To cover the risk of non-repayment, lenders require a guarantee. […]

How do I know how much I can borrow based on my income?How do I know how much I can borrow based on my income?


“I intend to apply for credit at the bank, but the concern is that I do not know how much I can borrow. This is one of the most common problems for borrowers. It is important to know that several criteria will come into play when the credit institution determines the maximum amount it will […]

Mortgage loan after 65 years: possible with the mortgage for seniorMortgage loan after 65 years: possible with the mortgage for senior


It is easier to obtain a loan for the acquisition of real estate at thirty years old than after sixty years. We note that as borrowers approach retire age, obtaining a home loan is complicated. Find out how to get a home loan after 65 years ! Get a home loan after 65 years! Get […]

Real estate loan: interest rates still very low for early 2018Real estate loan: interest rates still very low for early 2018


Economic indicators seem to be green again in Europe. France is no exception since the year 2017 was marked by a prolonged decline in the number of unemployed. However, the forecasts of interest rate increases for real estate loans have not proved to be accurate. They remain weak while everything suggests that they should increase. […]

Termination of mortgage loan insuranceTermination of mortgage loan insurance


The termination of mortgage insurance is possible by respecting some criteria. In fact, the various successive laws have facilitated its change and allow the realization of savings for the borrower Although more than 85% of French people have taken out a group insurance contract at the bank in which they obtained their loan, “individual insurance” […]

Insurance solution ready in case of extra premium related to a dangerous professionInsurance solution ready in case of extra premium related to a dangerous profession


The job of a policeman A gendarme is a member of the National Gendarmerie. It is responsible for ensuring security in rural and peri-urban areas under the supervision of the Ministry of the Interior and the Ministry of Defense. What insurance pretends policeman? The representative of the armed force in charge of the police mission […]