BORROWER INSURANCE · 7 min read
Borrower-insurance delegation: how it works
Choosing your loan insurance outside the bank is a right, at signing as well as during the loan. Conditions, steps, pitfalls: the complete guide.
Valentin Boura-Defranoux
The firm’s view
Understand credit,
before you sign.
Rates, structures, taxation, banking news: our analysis to see clearly, without needless jargon.
BUY-TO-LET · 6 min read
How banks calculate your borrowing capacity for buy-to-let
Two nearly identical files, two opposite answers. In buy-to-let, your borrowing capacity depends not only on your income but, above all, on the calculation method the bank uses.
Yves Monnier
RATES & MARKET · 4 min read
Where do mortgage rates stand? Our reading of the market
After two years of major turbulence, the credit market has found a form of stability. Here’s what that means concretely if you have a project.
Valentin Boura-Defranoux
BUY-TO-LET · 5 min read
SCI under income tax or corporate tax: what it changes for your financing
The SCI is a holding tool, not a tax magic wand. Yet the choice between income tax and corporate tax has direct consequences for your financing and your cash flow.
Yves Monnier
PRIMARY RESIDENCE · 5 min read
First-time buyer with a small deposit: the levers that really exist
A limited deposit doesn’t doom your project. Between assisted loans and fee financing, several schemes let you buy your primary residence sooner than expected.
Valentin Boura-Defranoux
BUY-TO-LET · 6 min read
Chaining investments without getting blocked by your bank
The first loan is rarely the problem. It’s the second, then the third, that get stuck. Anticipating from the start changes everything.
Yves Monnier
BORROWER INSURANCE · 4 min read
The Lemoine law: switching borrower insurance, at any time
Loan insurance can represent up to a third of the cost of your credit. Since the Lemoine law, you can switch whenever you like — and the saving often runs into thousands of euros.
Valentin Boura-Defranoux
BUY-TO-LET · 5 min read
Investing in France from abroad: the non-resident’s guide
Expatriate or non-resident, financing a property in France is entirely possible — but the process differs from a resident’s. Here’s what changes and how to prepare for it.
Yves Monnier
From reading to your project