Do you have a real estate project?
First acquisition, primary or secondary residence, rental investment, current loan repurchase ... Develop, with the help of your Crédit- Internet.com advisor, a financing plan in line with your financial situation and the nature of the property you want finance.
With the mortgage from Crédit-Internet.com, you can:
borrow for up to 30 years;
modulate your monthly payments or choose a deferred repayment;
set up reimbursement levels;
harmonize your repayments by adapting the monthly payments of your mortgage to those of your other loans so as to have constant maturities.
Request a free, non-binding simulation of your real estate project now.
You have a 10-day cooling-off period. The sale is subject to obtaining the loan: if it is not obtained, the seller must reimburse the buyer for the sums paid.
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60% of French households own their main residence and most of them finance it in part with a mortgage. Over the past ten years or so, the French have started buying real estate at an earlier age: the share of owners under the age of thirty has increased by around 7 points.
The period is indeed very favorable for financing the purchase of real estate with a mortgage. Why not take advantage of the low rates and longer terms? Moreover, in addition to protecting borrowers from over-indebtedness, the State and communities greatly promote home ownership, particularly through the many assisted loans, to which you may be entitled!
To put the odds in your favor, be well prepared. Credit-Internet.com has rolled up its sleeves to analyze how a mortgage works in the following lines and help you achieve your project!
How does a mortgage work?
Understanding how a loan works means mastering the concept of "interest". They represent both the main cost in financing a real estate acquisition and the heart of the mechanics of banks. In addition, the operation of a mortgage is not very intuitive! So we are giving you some clarification.
Most borrowers have a so-called amortizable loan (more on this below). How does it work ? Already, remember that you will have to pay interest and part of the principal on each monthly payment, but the share of both changes during the loan. Moreover :
The monthly payments are constant;
The interest is proportional to the outstanding capital.
They are therefore important at the start of the loan and decrease over time. The repaid capital (or amortized capital) is the difference between the monthly payment and the interest paid. Unlike interest, the repaid capital increases from month to month.
In addition, the mortgage is in the majority of cases associated with a personal contribution. This is the amount of money you will have to pay out of pocket when you buy it. Generally banks ask to contribute at least 10% of the price of the property, which corresponds to the notary and guarantee fees. In fact, the more money you have, the more reassured your banker will be - but that's no reason to put your money aside, keep a safety mattress!
Guarantee and insure your mortgage
Home loan insurance
You can not cut it, taking out borrower insurance is mandatory to obtain a mortgage. And so much the better, since it guarantees the reimbursement of monthly payments in the event of a hard blow. It’s even a great way to protect yourself and your family.
There are several possible levels of coverage, from minimum subsistence to more comprehensive coverage. The minimum level of coverage varies depending on the project. Death insurance is compulsory. It ensures the repayment of the loan in the event of the death of one of the co-borrowers. It is always coupled with one or more disability insurance. There are several types of contracts covering different degrees of disability (partial or total) and inability to work (temporary or irreversible). The cost of insurance varies greatly depending on the contract, Credit-Internet.com can help you minimize it.
Contact us to get your credit:
Address: Charlottenstraße 33 / 33a, 10117 Berlin / 32 Rue de Saint-Pétersbourg, 75008 Paris, France.
WhatsApp Telefon: +49 17 627 985 007 - France: +33 7 56 87 29 46
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