A negotiated rate
We put our partner banks in competition to get you a negotiated rate for your profile.
Prodiges & RézilienceCrédit & financement
From the first simulation to signing, apply for your mortgage with an adviser.
We put our partner banks in competition to get you a negotiated rate for your profile.
Building the file, negotiating with banks, through to signing.
Our simulator estimates your borrowing capacity in seconds, with no commitment.
The same point of contact from the first conversation to getting your keys.
Income, expenses, down payment: find out how much you could borrow.
CalculateFrom finding the property to the final signing, every step explained.
See the buying stepsBorrower insurance substitution with equivalent guarantees (Lemoine law).
See borrower insuranceYou know the property price and want to estimate your monthly payments.
CalculateWarning: a rise in fake loan offers. The French prudential supervision authority (ACPR) warns of a rise in fake loan or loan-consolidation offers made by individuals impersonating real brokers or institutions. Before any exchange, check your contact's ORIAS registration (ours: no. 25006702), viewable on orias.fr.
The monthly payment stays the same for the whole loan term: the most common formula in France.
Fixed-rate loans in detailSubject to income conditions and geographic zone, on top of a main loan.
The zero-rate loan in detailTo finance a new purchase before your current property is actually sold.
Bridging loans in detailThe principal is repaid in one go at maturity, interest paid monthly: relevant for rental investment.
Interest-only loans in detailFor holders of a PEL or CEL, at a rate fixed when the plan was opened.
Home savings loans in detailConsolidate your loans to lighten your monthly payments.
See loan consolidationFinance a renovation, extension or energy-efficiency works.
See home improvement loansProtect your home, whether you live there or are a non-occupying owner.
See home insuranceCompare and switch your loan insurance at any time, with equivalent guarantees.
See borrower insuranceA fixed rate does not change for the whole loan term: the monthly payment is known in advance. A variable rate moves with a reference index, up or down, a case that is rarer in France for residential property.
You can pay off all or part of your loan before its term, on simple request to your bank. Early repayment penalties may apply, capped by law.
It is capped by law at 6 months' interest on the repaid capital, within a limit of 3% of the remaining principal, except for exemptions provided by the contract or the law (e.g. a sale linked to a change of workplace).
Some banks charge for reissuing an up-to-date amortization schedule; the amount varies by institution and is listed in your contract's fee schedule.
An advisor replies within 24 to 48 business hours.