The firm’s view
Rates, structures, taxation, banking news: our analysis to see clearly, without needless jargon.
BORROWER INSURANCE · 6 min read
The saving comes down to one subtraction: the remaining cost of your current policy minus the cost of a new policy over the same period, with equivalent cover. It ranges from tens of thousands of euros early in a loan to almost nothing towards the end.
Valentin Boura-Defranoux
BORROWER INSURANCE · 6 min read
Your bank can refuse a delegated policy only if it fails a criterion of its standardised information sheet (FSI). The refusal must be in writing, reasoned, sent within ten working days and list all the missing criteria.
Valentin Boura-Defranoux
BORROWER INSURANCE · 5 min read
A health condition does not prevent you from insuring a mortgage. The removal of the questionnaire under conditions, the right to be forgotten, the AERAS convention and delegation widen the options.
Valentin Boura-Defranoux
BORROWER INSURANCE · 5 min read
After 55 or 60, borrower insurance remains accessible, but it costs more and comes with age limits and medical formalities. Cover, delegation, calculation basis, term and share insured can all reduce its cost.
Valentin Boura-Defranoux
BORROWER INSURANCE · 5 min read
A high-risk occupation or sport does not prevent you from insuring a mortgage. Depending on your activity and how you practise it, the insurer covers you at the standard rate, applies a premium loading or excludes the risk concerned.
Valentin Boura-Defranoux
BORROWER INSURANCE · 5 min read
The quotité, or insured share, is the portion of the borrowed capital covered by each borrower's insurance. For two borrowers, the total must reach at least 100% and can go up to 200%, depending on what the bank requires.
Valentin Boura-Defranoux
BORROWER INSURANCE · 6 min read
To finance a buy-to-let property, the bank in practice requires borrower insurance, just as for a primary residence. The cover required is often lighter: death and total and irreversible loss of independence are frequently enough, depending on the bank and its standardised information sheet (FSI, the Fiche standardisée d'information).
Valentin Boura-Defranoux
BORROWER INSURANCE · 7 min read
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
BUY-TO-LET · 6 min read
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
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
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
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
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
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
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
