With an interest-only loan, only the interest is repaid each month; the borrowed principal is repaid in one go at the loan's maturity.
The interest rate and the monthly payment stay the same for the whole loan term: it is the most widely used formula to finance the purchase of a main or secondary residence in France.
Learn more →The zero-interest loan (PTZ) is a state-backed, interest-free loan reserved for first-time buyers, subject to income conditions and the property's geographic zone.
Learn more →A bridge loan lets you finance the purchase of a new property before your current home is actually sold, by advancing all or part of its estimated value.
Learn more →If you hold a home savings plan (PEL) or account (CEL), you can get a home loan at a rate fixed when the plan was opened, independent of market rates at the time of purchase.
Learn more →Monthly payments are therefore lower during the loan than with a standard amortizing loan, but an investment (often a life insurance policy) is generally attached to the loan to build up the capital to be repaid at maturity.
Mainly used for rental investment, notably for its tax advantages: the proportionally higher interest is deductible from rental income.
The full principal remains due until the end of the loan: the capital build-up strategy must be secured as soon as the loan is set up.
An advisor reviews your eligibility and gets back to you within 24 to 48 business hours.