I received approval for my credit application. How long is this agreement valid?

Once agreement has been obtained from one of our partners, you have three weeks to sign your credit contract. After this period, your agreement is no longer valid and our advisors would then be obliged to submit a new file.

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.

At what age can I take out a loan?

You must be at least 18 years old.

How long is the mortgage loan?

The duration of the credit can be spread over a period of 10 to 30 years depending on the age of the borrower(s) and the amount of the loan. Over this duration, two cycles can be distinguished: the “depreciation(s) of capital” i.e. repayment of capital to the credit provider. In a word, the repayment of the amount lent to you. the “interest” that must be paid by the borrower. It is always in your interest to repay the capital as quickly as possible and therefore to favor a fixed rate mortgage loan/credit for the shortest possible duration. For what ? Because the more capital you repay, the less interest you will have paid upon closing the loan/mortgage credit contract.

Can I make an appointment at the agency?

Of course, but for your convenience, our advisors take credit applications over the phone and then, when your credit application is accepted, we receive you in one of our branches to have you sign the credit contract.

I took out a loan with my husband. We are divorcing, what are the consequences on my current credit?

Your divorce has no effect on your contract agreement. The ex-spouses both remain jointly and indivisible liable for the amounts borrowed.

What are the costs involved in buying a new property?

The sale of new buildings is taxed differently. It is subject to VAT. The sale price includes : field registration fees. the "construction" part, subject to VAT (21%). Notary fees and costs calculated on the total value must be added.