Info Live : Questions you can ask yourself ?

Real estate loans : what is the loan guarantee?

Source Figaro Immo by the 29/12/2020

Info Live : Questions you can ask yourself ?

loan guarantee : Why? Comment ?

loan guarantee loan guarantee loan guarantee. This legal mechanism aims to limit the risks in the event of non-repayment of the loan by the borrower. It's about, sort of, of a surety bond, a back-up solution in the event of payment default.

Depending on the type of credit guarantee, the bank is assured of recovering the loaned money even in the event that the borrower cannot repay. Taking out a loan guarantee, whatever its nature, automatically and in the same way as borrower insurance, additional costs.

loan guarantee loan guarantees :

• loan guarantee : this is the most common option. The mortgaged property - often that for which the credit is granted - can therefore be seized and resold in court in the event of non-repayment of the debt..
• loan guarantee : it works as in the context of a rental. A natural person acts as a surety and is held responsible for the reimbursement of the monthly payments in the event of default on the part of the subscriber.
• L’IPPD (Registration as a lender's privilege) : works like a mortgage with the difference of requiring lower guarantee costs thanks to the absence of land registration tax.
• loan guarantee : only offered to civil servants.
• loan guarantee : bank guarantee via a company in exchange for participation in a guarantee fund.

loan guarantee : how much does it cost?

loan guarantee. They represent on average between 1 and 2 % loan guarantee, a rate that varies depending on the type of guarantee chosen with the lender. For a loan of 200 000 €, loan guarantee :

• 3000 loan guarantee
• 2500 loan guarantee
• 1500 loan guarantee

The choice of the surety may be interesting, Now banks don't leave much choice and very often work with their own surety companies.

Why waste your precious time going around banking establishments the duration of the conditions precedent pass very quickly.

I suggest that you be your single point of contact and work for you with my various banking partners to find your personalized solution adapted to your financing project.

Call on your Real Estate Credit Expert to support you towards the success of your project, a well-prepared file sent to the right banking partner can change everything !!!

Call me at 06 31 48 62 13 or by mail gilles.goue@courtiprets.fr, to discuss your project.

A loan commits you and must be repaid. Check your repayment capacity before you commit.

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