Real estate credit: which strategy to adopt according to your profile?

2022-05-06T20:04:32.527Z

OUR ADVICE - If the borrowing conditions are more and more restrictive, the rates are still low. It is therefore necessary to demonstrate cunning and perseverance in order to still be able to benefit from it.

Faced with the rise in interest rates that is beginning and the tightening of the conditions for granting credits following the new rules dictated by the High Council for Financial Stability (HCSF), you will sometimes have to, to borrow, show pugnacity but also originality;

for example, by tracking down "small" loans such as those from Action Logement or local authorities that can help you complete your real estate transaction.

One certainty, do not postpone your project, because the rates are still low... for the moment at least.

To discover

Who pays the most income tax in France?

• How to borrow well for a first purchase?

If you are a first-time buyer, you will have to refine your image of “ideal borrower”.

First of all by having at least 10% personal contribution.

A threshold that can sometimes be lowered.

“If you are under 30 and have only worked for two or three years, some banks accept a 5% down payment.
On the other hand, if you are 40 years old, you receive 5000 € per month and you have not put a penny aside, it can be…

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Source: lefigaro

All news articles on 2022-05-06