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Mortgage rates

To know the real estate rates practiced in Val-de-Marne, you can consult our barometer of mortgage rates.

Your mortgage in Val-de-Marne

Choosing a mortgage broker

Our specialists assure you the best rates in force and the best conditions. Through our services, you will have access to all banks, insurance borrowers and local knowledge of our real estate loan brokers in the Val-de-Marne to support and fund your property project.
Without commitment, you have the option to file a request for information so that we can conduct a personalized financing study. You can also contact your local agency:

• Champigny sur Marne – 94500
• Creteil – 94000
• Villejuif – 94800
• Vincennes – 94300

You can contact us at all stages of your project:

• Before the project: Our real estate loan advisors are at your disposal to determine your borrowing capacity. At the end of this first meeting, you will have set the maximum acquisition amount, depending on the repayment conditions chosen (rate, amount, duration).
• If your project is already defined – sale agreement or signed reservation contract – your real estate broker in the Val-de-Marne is committed to find the financing adapted to your real estate project and your needs.
• If you already have a credit offer with a bank, you can compare it with other banks to reduce your cost of borrowing.

Your purchase of credit in the Val-de-Marne

Our financial advisors also accompany you for your debt buybacks.

• Repurchase of mortgage loan: Our specialists in real estate loan buyout conduct your financial study and offer you the best solution to take advantage of lower rates.
• Purchase of credits: Our specialists analyze the structure of your credits and your repayments to propose to group them in one monthly payment. Submit your inquiry without obligation

The loan of honor is a credit that is granted on the good faith of the applicant. It allows those who are banned from the traditional banking circuit to receive funding.

 The loan of honor is only based on trust.

These credits are not donations, but are very often associated with existing social assistance in France. The loan of honor is a loan that is granted to the person, not to the company. You engage your person, your honor. It is a loan that does not incur any guarantee on your part. These are credits to repay as a rule between 2 to 5 years. This type of credit is granted most often by associations. Associations that want to develop their region, for example. If you have a concrete project in a region, find out from local authorities if there is no help for starting a business.

Loans are generally from 3000 to 15000 euros, on average 7500, at an interest rate generally unbeatable: 0%. So these are zero interest loans in general : you bring your initiative, your work, your business in the making that will help develop an economic activity in a sometimes disaster area for example, and they help you, by financing you. As much to say to you that it will be necessary to have a project which holds the road.

We will study in this article the three main forms of loans of honor, which each respond to a specific need of money.

All about CAF loans microcredit from the ADIE (Association for the right to economic initiative), which allow project promoters to obtain financing. This type of credit is very restrictive, and practices interest rates identical to conventional banks, with the advantage of being accessible to those excluded from the banking circuit: long-term unemployed, bank of France, RSA beneficiaries.

The loan of honor is made to the person, on a case by case basis, project by project. You agree on your honor to repay what we lend you. There is no interest in the majority of cases, it is a real help! ADIE only lends to businesses, usually very small, for example in the craft industry. The sums range from 500 to 5500 euros, and come in addition to the contribution of the entrepreneur.

Many associations, mostly local, offer loans of honor, which carries out activities of general interest, and also assisted by Regional Councils and other local authorities. Their interest is simple: to boost employment and business in their geographical area. They have sums dedicated to local investment, and are waiting for realistic project leaders to invest. The loan of honor is addressed to the project holders who need a credit, but have no guarantee to provide to the banks which allows them to obtain the financing.

Without personal contribution, the banks automatically become chilly!

The main attraction of the loan of honor is its leverage: banks, if you have obtained a loan of honor, lend you much more easily. Of course, you need to have a solid project, in the interest of your region. Honors loans are different from microcredit and other solidarity credits, because you are not asked to have people who stand surety for you, you are not asked guarantors.

Funded projects involve the creation or development of start-ups (less than 3 years old) that create wealth in the region. According to the lending association, the terms for obtaining credit will change. An association will lend to those who want to develop an agricultural activity in the region, another will lend to projects that have a technological vocation, still others will make zero-rate loans to companies with a social vocation.

The counterpart required by the lending associations is in general, the acceptance of the assistance of technical follow-up of the activity. Through a ” sponsorship “, the association will control what you do, and help you. This is in my opinion a positive point: it is good to have a guide, help to support us in the administrative, is not it? Especially that the sponsor will make you benefit from his experience and his fabric of relations to make you succeed. The companies financed by a loan of honor are mostly happy: after 3 years, more than 80% of the companies still exist, proof of their durability and the solidity of the initial project.

Credit of 3000 to 30 000 euros for his company

The amount of the loans of honor vary, for the majority, between 3000 and 15000 euros, being able to go in exceptional cases to 30000 euros. On average, it is rather 7500 euros that are granted, for the start-up expenses and working capital of the new company. This is a large amount of money at the beginning of any activity, and in the vast majority of cases, without interest. It is always advisable to have a good record in concrete and to go systematically to see the lending associations of his region. There is no obligation to contract a conventional bank loan in addition to the loan of honor, but the loans of honor are intended to facilitate the bank loan. The files are credited by the expertise of the associations, who study the projects in a global way.

Credits are generally medium-term, repayable between 3 and 6 years.

Loan of honor for SMEs

The Entreprendre network, with its 35 associations, specializes in helping creators of future SMEs. The network offers four types of free help:

• Project evaluation, feasibility and potential of the future company
• The loan of honor proper: no interest or guarantees, the sums of money range from 15,000 to 45,000 euros.
• Integration in the local economic fabric: to have commercial relations with the other companies of the region.
• A two-year accompaniment, made by other entrepreneurs.

Credit to start a business in Paris: Paris Initiatives Entreprises

For Parisians, there are several associations that finance entrepreneurs, with a loan of honor. This is the case of Paris Initiatives Entreprises, which I take here as an example. Each region has its own association, with its specificities, here, the creation of a company in Paris intramural.

The grants are awarded to two different profiles: the creators of very small companies (less than 20 employees), or the projects involved in the social and solidarity economy. A sponsor is assigned to each project leader, which will allow him to have assistance, moral support and especially a good address book.

How to pay for your studies without the help of your parents

• Employee’s credit
• Social microcredit

MarKet’s review

Only trust in the person counts, for a loan of honor.

The loan of honor, based solely on the trust that the lender gives to the business creation project, is the best way to start when there is no support in the professional environment in which one wants to evolve. The permanent assistance, all along the project, is an extraordinary support for the young companies. For those who do not have money, or guarantees to give to the bankers, there is a way to get a loan anyway, to be able to finance his projects. This is called the “loan of honor”.

Everyone knows that it is practically impossible to obtain credit, if you do not have any guarantees or personal contribution: that is why in the early 80s, various associations began to grant loans, substituting banks, who do not want to make credit too risky. Several forms of loans of honor are proposed in France, we studied the three main ones: the loan of honor for the creation and the development of the company, the loan of honor of the CAF, and the loan of honor student. Other loans of honor intervene, when it is necessary to support a person in situation of financial distress.

“I’m looking for a credit without proof, ” Minga Credit can do it to me. This Yoabank advertisement denouncing the excesses of credit companies is hypocritical: competitors are not less responsible than Yoabank. The denounced abuses are all heavily punished by the law.

Minga Credit, fictitious irresponsible credit for advertising reasons

Credit is based on the trust that the lender gives to the credit applicant. To be confident, the bank needs proof that proves the good faith of the applicant or the soundness of his project.

obtain a deposit or a credit guarantee Positive file article, I only ask to discuss with you, it seems that for some, sowing these data “confidential” to the four winds is a problem. I am of course not agree, as the positive file remains something reserved for credit applications.

Here, Minga Credit offers a credit for seniors. “Do not worry about repayments, your family can do that for you.” There is no age limit according to Minga Credit.

It is true that this limit does not exist legally, but that the majority of the banks practice it: “to make pay the family” being not something sure for the bank, she would not be obliged to pay the debts of the deceased that if she would like to inherit her material goods, like the house, the car. If the family does not want any of this, including because it already had nothing at the base, the bank will have only his eyes to crying his money lent.

The latest ad, where there is talk of a revolution in credit: the loan over several generations. Obviously impossible, for the same reasons as credit for old.

The loan without justification exists legally,

This is called the personal loan, without request for justification of purchase. Yoabank, with Minga Credit, gives us a nice exercise in black humor and irony. This humor obviously goes pretty badly with people who are confronted with over-indebtedness, or who are harassed by the ushers sent by Yoabank, for example.

After what are you going to do a credit at Yoabank after seeing this ad? Mystery. In any case, the state wants to moralize more and more consumer credit in France, Yoabank just enjoys the wave of beautiful way to position itself on a corporate image responsible. Not to be confused with ethical finance, which is truly imbued with a solidarity conscience.

What happens in case of unpaid ? The point on the possibilities in case of problem to repay a loan.

What to do in case of non-payment of a monthly loan?

A credit is for life or almost. We are committed to repaying over several years a loan granted by a bank, despite all the uncertainties of life. But precisely, life is made of highs and lows, and it happens, sometimes, that we can no longer pay his monthly credit. What can happen if we can no longer repay the credit institution, and above all, how to get out of it?

There you go, this month, we can not pay all the bills. This time, it’s impossible to pay the monthly loan, despite all the precautions taken before making a loan. What to do now ? Will the bailiffs come to the house to take everything? Depending on the type of credit, several situations are possible.

There are various subtleties to know, starting with the differences between a consumer credit and a mortgage. We will start with the simplest payment incident, when the credit agreement already foresees a possible problem of payment, at the most complicated, when one is on the verge of personal bankruptcy.

The credit institution has the right to demand full repayment of the remaining amounts to be repaid, together with interest. For the borrower, it is a disaster, to avoid absolutely, but fortunately, before arriving at the incident of payment then with the decay of the term, one can find a solution. The overdraft authorization is a (large) service that a bank can offer to its customers. The bank allows the account to be debtor, negative. Payments are made, within the limit of overdraft authorized. This overdraft limit is to be negotiated with its banker at the time of the activation request of the overdraft authorized: it is normally a lower limit than the monthly salary.

The overdraft is besides “plebiscite” by the French: in 2016, 2 French out of 5 have at the end of each month a negative balance!

This is the simplest solution for those who have it. There is nothing to do ! The bank takes the money from the credit, the account is left with a negative balance until the next money comes in, then, we pay the agios. This is where you can make a choice: is it better to pay the agios of overdraft authorized, or is it better to postpone the monthly payment? The postponement of monthly payment also having a cost, I find, for my part, that it is not useful not to take advantage of his overdraft authorized. It’s too depressing to see the last credit deadline pushed back a month!

But be careful, we understand well: it is better to appeal to overdraft if, and only if, it is well authorized by the bank. This is a service that was previously requested from his banker, which is subject to a contract and conditions. If we do not have an authorized overdraft, we are talking about an unauthorized overdraft, and there, attention! It is better to use the postponement of monthly payments, as long as one can, rather than being at the mercy of the goodwill of his banker.

The banker may or may not make the payment of the credit. Everything will then depend on the client’s profile: a client who has solid and stable cash inflows, who has never had a particular problem and who has a good relationship with the counselor, is likely to not be bothered anymore. late, but will still have to pay a large fee. A difficult customer risks purely and simply the file at the Bank in France, and there, I guarantee that to be unpicked, it is not simple at all!

I repeat: the important thing, when we know that we can not assume the monthly credit, is to warn the banker. Together, a solution can be found, waiting for better days.

Must evaluate the credit risk, it is a better situation than the one who must now pay heavy chronic medical care.

Renegotiate its credit

In any case, there is one solution that is always possible: renegotiate its credit. By choosing a longer repayment period, we can reduce the monthly payments to repay, giving a little air to the borrower: it is the rescheduling of the loan. Many credits allow this, unless we have already chosen the maximum repayment period.

We can play on the repayment period, but also on interest rates: if the current rates are much lower than those at the beginning of the credit, it is possible to reduce its monthly payments without affecting the repayment period: the credit will cost less.

The repurchase of credit is part of the renegotiation elements of a credit in progress. If you can not renegotiate your current credit, do not hesitate to play the competition, many banks will be pleased to have a new customer, as long as it is creditworthy after the repurchase of credit. And if it is a monthly repayment of a credit that can not be refunded? Well, there is also the possibility to make a redemption repurchase credit.

Last element of renegotiation: the grouping of credits. If we have several credits, it may be wise to group all of them into one big credit, in order to lower their monthly payment, in exchange for a longer repayment period.

Be careful however to the renegotiation: there may be some fees, sometimes quite important. When it comes to renegotiating, you have to think about including the processing fees in your calculations, so you only have to pay back a little every month rather than having to pay the administration fees all at once.

Sample letter to request a payment deadline

This letter comes from the National Institute of Consumption.

As a precaution, the letter is sent to the creditor (bank, credit institution) by registered letter with acknowledgment of receipt.

As I indicated to you by telephone and in a previous letter, I am currently experiencing financial difficulties that make me temporarily unable to repay my monthly installments.

My request to postpone these deadlines having not received your agreement, I am forced to address the magistrate to ask for a suspension of payment on the basis of Article L314-20 of the Code of consumption.

However, before grasping it, I ask you to reconsider your position. To this end, I enclose a proposal for rescheduling encrypted and dated.

This letter is to be sent in case of refusal by the creditor to renegotiate the loan or to grant a payment period.

Guarantees and bail for a credit, how to do? this forum, specializing in the mutual aid between people over-indebted. Fight against over-indebtedness

• Debt file, instructions for use
• The personal recovery procedure to clear debts
• Find a free lawyer
• How to buy back a repurchase of credit
• Insurance and over-indebtedness
• To avoid the lapse of the term
• All about overdraft fees
• Payment incident: beginning of over-indebtedness