Financing up to 100%
With Crédits Conseils, you can get a loan of CHF 5'000.- to CHF 100'000.- to finance your project.
Flexible maturity adapted to your project/budget
Credits Conseils offers an adapted loan maturity with up to 60 monthly installments.
Best interest rates on the market
Crédits Conseils offers the best interest rates on the market adapted to your situation.
Fixed rates throughout the duration of your credit.
Fast reply
Crédits Conseils strives to provide you a fast reply upon receiving all your documents.
Security throughout the repayment
With Crédits Conseils, benefit from an insurance plan that covers job loss and death as part of each monthly installment.
Pay less in taxes
Enjoy fiscal advantages by deducting the interest on your loan from your taxable income.
Client-friendly approach
With Crédits Conseils you can pay back the totality of your loan at any moment and all non-incurred interest will be refunded.
Direct credit
Your loan is paid directly into your bank account.
No administrative fees
At Crédits Conseils, we don't charge any administration fees up until the signing of your contract. Your monthly installments are clear and include everything.
No title retention clause
With Crédits Conseils, there is no title retention clause. Your monthly installments are clear and include everything. The financed object belongs to you in its entirety.
French mortgage loans for those employed in Switzerland :
1. What are the steps to acquire real estate in France?
2. Who is eligible for a mortgage loan?
3. What documents are needed to obtain a loan?
4. How is a mortgage loan structured?
1. What are the steps to acquire real estate in France?
Establish your budget:
First establish the maximum amount that you are able to invest in your purchase considering that you need to have a down-payment of 10%. You should also have enough cash at hand to cover additional costs such as notary and agency fees, etc.
Choosing the property:
The process of choosing your purchase is essential. Begin by analyzing the market to get an general idea . Do not hesitate to visit as many properties as possible. Do not forget that you'll be the one living in what you decide to purchase.
Preliminary contract:
Once you have found the perfect fit and come to an understanding with the seller in regards to price, you have to sign promise of purchase also known as a preliminary contract. Don't be afraid to proceed without the go ahead from your banker. The preliminary contract is only binding once the loan is granted. Consequently, unless otherwise agreed upon by yourself and the seller, you have 3 months to find sufficient financing and complete your purchase.
Structuring your loan:
This is where Crédits Conseils steps in to help you get your paperwork in order and apply for a mortgage loan. We advise you in your choice of financing and help you negotiate the best possible deal.
Accepting your loan:
Once all papers required for your mortgage loan are assembled, we submit them to one of our partners to obtain pre-approval within the shortest possible timeframe. Thence you will be able to confirm to purchase of property to the seller by signing the final contract with a notary.
Signatures (bank & Notary) :
Once you have agreed upon a date to pick up the keys from the seller, you arrange a meeting with the notary.
Know that signing the loan agreement in accord with the bank and Crédits Conseils should be done approximately 15 days before the rendezvous with the notary. It is appropriate that the cooling off period be expired to allow the bank to transfer the funds on day the property is signed over with the notary.