The mortgage capital is essential to facilitate the acquisition of a property. Whatever the situation of the buyer, the use of mortgage is a great opportunity for its projects. The mortgage, however, can seem a complicated service given the many proposals that a bank can offer its customers and the forms it can take. Poorly negotiated a mortgage can only be detrimental to the contractor while a better understanding of the offers will signing the contract that corresponds to the real needs of the contractor

Find the best credit offer

Most people seeking a mortgage are addressed primarily to their usual bank. This action may be, however most of the time detrimental to the borrower. In fact, banks usually offer their loyal customers with very poor credit real estate. Similarly, you can find better deals in other banks for new customers that are looking for home loans. The best way to find the best deal of credit is the comparison of all proposals of banks in your area.

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This comparison can be made by you or more easily by a mortgage broker. The mortgage broker is a specialized agent that will allow you to easily find the proposal meets your expectations both in terms of amount of credit repayment terms. The mortgage brokers also have relationships with the majority of French banks, providing insurance to find the best offer from the bank that you prefer.

The broker can also act as an advocate for your case with them, thus avoiding unnecessary bureaucracy and unnecessary. A mortgage through a broker can also be obtained more easily and quickly released. Finally, the broker is not paid by the customer as it is paid by the financial institution. Thus, the use of broker not be subject to new charges in addition to the cost of credit.

The types of current mortgage

Many types of mortgages currently available. There are seven types of loans offered by banks and financial institutions. The first type is the zero-interest mortgage. As the name suggests, this is achieved without mortgage interest. This is the cheapest loan for a borrower. Its use is limited by certain provisions. It can not be obtained for the purchase of a home that will serve as a principal residence. In addition, the credit is limited to zero to a maximum of 20% of the house. The interest-free loan is available from credit institutions contracted by the state.

The second type of mortgage is the 1% mortgage housing. This is a particular credit is funded by companies with premiums that are accessible to employees of these companies. Its use is wide and can be repaid between five and twenty years. The third type of credit loan home savings. This is a loan to an individual as a result of savings made by him four or ten years ago. Obtaining it is so conditioned by first saving process. This type of credit is wider use and can be affected including the purchase of a second home.

The fourth type of mortgage loan is under agreement. Repayable over five to thirty years, the mortgage can be used for the acquisition of primary residence. The maximum interest rate of the loan is under agreement of 6.35% for variable rate and 6.80% for fixed rates. The loan under agreement may cover the full amount of the purchase of a building.

The fifth type of loan is the loan of social access. Similar to the loan under agreement, it is proposed to lower rates. The interest rate is 5.75% for variable rate and 6.20% for fixed rates. The special loan of social access is the ability to extend the deadlines at a rate of 0% in the event of a possible unemployment of the contractor.

The sixth type of loan is the loan-Paris housing. For people who lived in Paris for at least one year and want to buy a home in Paris, it is capped at an amount of EUR 39 600 repayable over fifteen years. The last type of mortgage is the soft loan. It is a loan you can get lighter loads in addition to other loans. Examples of soft loans are the most common loans from pension funds, loans EDF and GDF.