Real estate financing
MORTGAGE FINANCING

Your real estate project with tailor-made financing

Whether you are buying your first residence, building a property or wishing to refinance an existing property, benefit from real estate financing of up to €5,000,000 and fixed rate security for up to 30 years.

Home ownership

Benefit from complete support for the purchase of your property with financing of up to €5,000,000, from the initial budget calculation to the notarized signature.

Loan refinancing & renewal

Optimize your existing financing up to €5,000,000, negotiate the best renewal conditions or secure your future rates in advance.

New construction & ecological renovation

Finance the construction of your new house or your energy renovation work up to €5,000,000 by taking advantage of public subsidies and subsidized loans.

CLEAR AND TRANSPARENT METHOD

The 4 stages of your real estate financing

From the first simulation to registration in the land register, we guide you through each milestone.

1

Budget & pre-agreement

We analyze your financial capacity and issue a financing certificate of up to €5,000,000 essential for your visits.

2

Structure & public aid

We define the optimal fixed rate duration and integrate available public subsidies and subsidized loans.

3

Firm loan offer

Upon receipt of supporting documents for the property, you receive a definitive contractual loan offer with guaranteed conditions.

4

Notary & release of funds

Notarized signature of the deed of sale, registration of the mortgage guarantee and direct payment of funds to the seller.

BANK CERTIFICATE & RATE SECURITY

Obtain your financing certificate for your visits

Having a bank solvency certificate is essential for sellers and real estate agents to accept your offer against the competition.

Immediately demonstrate your creditworthiness to selling agents and owners.

Allows you to precisely set your maximum purchasing budget of up to €5,000,000 and your recommended deposit.

Guarantees your fixed rate conditions from 10 to 30 years.

Possibility of legal termination without penalty after 10 years.

LONG-TERM SAFETY

Guaranteed rate fixation for up to 30 years

Protect your family budget against rising interest rates with a guaranteed fixed rate. You control your monthly payments in a predictable manner throughout your amortization plan.

Borrowing capacity Up to €5,000,000
Rate guarantee duration 10 to 30 years fixed
Legal right of termination Free after 10 years
Annual early repayment without fees Up to 10% per year
PUBLIC SUBSIDIES & ENERGY

Optimize your financing with public subsidized loans and housing savings

Take advantage of public assistance programs to significantly reduce your interest rates and monthly payments.

HOME OWNERSHIP

Government home ownership loan

Financing your main residence up to €5,000,000 with optimization of subsidized public loan tranches.

Accessible to any first-time buyer

ECOLOGY

Sustainable construction

Advantageous financing of up to €5,000,000 for the construction or purchase of new, highly energy efficient housing.

Bonus rates for green housing

RENOVATION

Energy renovation

Works and renovation loan up to €5,000,000 with non-refundable repayment premium for insulation and heating work.

Principal repayment grants

HOUSING SAVINGS

Housing savings plan & state bonuses

Build up your contribution safely with state bonuses and finance your real estate projects up to €5,000,000.

Rate guaranteed for life upon subscription

ONLINE SIMULATOR

Monthly mortgage payment calculator

Quickly estimate the amount of your monthly payments and the amortization plan for your property loan up to €5,000,000.

Financing Parameters

Estimate your monthly payments

Estimated monthly payment

Net amount of the real estate loan
Estimated total interest
Estimated additional purchase costs (notary, taxes ~8%)
Apply for a home loan
OUR COMMITMENTS

Why choose our bank for your real estate loan?

Rate security up to 30 years

Benefit from a guaranteed fixed rate to protect your home against any fluctuations in the financial markets with strictly constant monthly payments.

Free early repayments every year

Repay up to 5% to 10% of the outstanding capital per year without early termination compensation to amortize your credit more quickly.

Notary & land coordination

Our experts manage the exchanges with your notary and the land office for registration of guarantee and release of funds without delay.

COMPLETE RANGE

All our real estate solutions under one roof

Loan renewal & refinancing

Renegotiate your home loan at the end of the fixed rate period without hidden fees and with an optimized rate.

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Advance rate guarantee

Secure current rates today up to 60 months in advance for your future credit renegotiation.

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Credit backed by land value

Free up cash of up to €5,000,000 by registering a mortgage guarantee to finance your projects.

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Loan for liberal professions & self-employed

Tailor-made qualification solutions for entrepreneurs, self-employed people and liberal professions.

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Loan protection & personal protection insurance

Protect your family and your real estate assets against the hazards of life (death, incapacity to work).

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Financing additional acquisition costs

Benefit from expert advice to optimize the financing of transfer taxes and notary fees.

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ANSWERS TO YOUR QUESTIONS

Frequently asked questions about real estate financing

Everything you need to know to approach your real estate acquisition with complete peace of mind.

It is generally recommended to have at least 10% to 20% of the purchase price as a personal contribution for your projects up to €5,000,000, in addition to covering additional acquisition costs (notary fees, transfer taxes and possible agency commission, representing between 7% and 12% of the price). A solid contribution allows you to obtain the best interest rates on the market.
Rate fixing contractually guarantees that your interest rate and your monthly payments remain strictly unchanged over an agreed period (generally 10, 15, 20 or 30 years). You also have a legal right of free termination after 10 years with 6 months' notice, without any penalty.
This formula allows you to set interest rates today for a home loan whose current fixed rate period ends in the next 12 to 60 months. This is the ideal instrument to secure your budget if you anticipate a general rise in borrowing rates.
Yes, our contracts include as standard a free prepayment clause allowing you to amortize up to 5% or 10% of the initial loan amount each year without paying a prepayment penalty.
CREATE YOUR REAL ESTATE PROJECT

Find a dedicated real estate financing expert

Our real estate loan specialists are at your side to design the most advantageous financing strategy for your projects up to €5,000,000.

100% Secure Response in principle within 24 hours No obligation
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