Loans and non-repayable loans

  Non-repayable loans This type of loans and loans are usually aimed at female entrepreneurship, youth or new start-ups. In some cases there are also loans that are disbursed to already existing and consolidated companies as long as they invest in certain sectors considered strategic. What are non-repayable loans? Non-repayable loans assume a capital contribution:…


Differences between PTZ (Zero Rate Loan) and eco-PTZ

The PTZ (Zero Rate Loan) is intended for people wishing to acquire a first principal residence while the eco-PTZ can be subscribed to finance energy-saving work carried out by building professionals. Let’s see in detail the characteristics of each. SUMMARY 1 The PTZ 1.1 The principle of PTZ: 1.2 For which type of housing? 1.3…


Costs related to a real estate purchase

Subscribing for a home loan within a bank generates different types of fees that are important to understand, especially so that you can compare 2 proposals with each other. Thus, I will list in this article all costs related to your real estate project and your mortgage . SUMMARY 1 Costs related to a real estate purchase 2 The costs of your home…


How to apply for a loan without proof of salary

  Credit without proof of salary is always linked to a consumer loan since it is medium-term financing. With stable repayments and stable interest, this form of loan does not require you any proof to justify the use of your credit once collected. How then to obtain a loan without proof of salary? Reasons to…


The deadlines for obtaining a mortgage

During a real estate project, there is a difficult time compressible 2 to 3 months generally between the moment when you validate a purchase price with the seller, and the moment when the funds of the bank become available for sale. Let’s understand why and what is the delay. SUMMARY 1 Bank procedures 2 The agreement of the bank…


Fees for real estate loan: amount, better bank

 The application fees are part of the factors to consider to optimize your mortgage . Indeed, although their percentage may seem insignificant, the difference they represent between two offers can make all the difference especially when the amount borrowed is low. It is therefore relevant to know exactly what they correspond to and from which banking institution…


Conditions precedent for a mortgage loan

The different conditions precedent When signing your sales agreement, various conditions precedent are incorporated in the latter. Indeed, the realization of your real estate purchase will depend in particular on the fulfillment of these conditions precedent or not. For this reason, it is extremely important to know them. The suspensive condition is an element that…