For a mortgage loan, do banks require a minimum deposit of money?

Some banks do not require a contribution of funds from the borrower. However, if the bank has to finance the entire amount of the loan plus the costs of the notarial deed, it is possible that your interest rate will be higher than if you are able to make a prior contribution . If you are not able to make a advance contribution, we invite you to consult our 125% mortgage loan solution.

My application for credit has been denied. How long do I have to wait to reapply?

You must wait three months and one day to reapply.

My credit application was denied. How long do I have to wait to submit a new application?

Am I required to take out death insurance?

When you borrow with another person and in the event of this person's death, you would not be able to pay the loan alone, you are strongly advised to take out death insurance in your own interest. In certain cases, the financial partner makes the granting of credit conditional on the conclusion of credit insurance.

What are the costs associated with mortgage credit?

Granting a loan/mortgage credit generates various costs: Registration fees which is a tax. Credit opening. This is a tax paid to the State by the Notary when registering the deed for the conservation of mortgages. Notary fees (rates are set by law). Real estate expertise (varies depending on the credit organization). Bank application fees (vary depending on the credit organization and the capital borrowed). Miscellaneous costs (search costs, stamps, etc.). These fees vary depending on the amount of your loan.

Is it possible to prepay?

Yes, this is a right inherent in any type of loan.

I have several outstanding loans. Can you simplify my situation?

Yes , we recommend that you consolidate all your loans so that you only have one outstanding loan and one monthly payment. Our advisors will offer you an interest rate that will make your new monthly payment less than the sum of your current monthly payments.

Mortgage credit: The most interesting option? CPE

Warning, borrowing money also costs money.

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What is the most interesting formula for taking out a mortgage loan?

We must analyze each situation on a case-by-case basis. When interest rates are very low, it may be interesting to conclude a contract with a fixed rate. When the rates are high, it is then advisable to conclude a variable rate contract. In all cases, our advisors study each case in a specific way to find the formula best suited to your situation.