Find a solution of financing for your project
We help you in the construction of your projects by providing you with dedicated financing solutions.
The types of financing
Depreciable loan
One amortizable loan is a type of loan in which the borrower repays both the principal amount borrowed and the interest over time according to a pre-established payment schedule. Each periodic payment (monthly, quarterly, etc.) is generally constant and includes a portion of the principal and a portion of the interest.
Loan in fine
One Loan in fine is a type of loan where the borrower only repays the interest for the duration of the loan and repays the principal at one time at maturity. This type of loan is often used for real estate investments or as part of tax exemption strategies.
Relay loan
One Relay loan is a type of short-term mortgage designed to help homeowners who want to buy new real estate before selling their current home. This loan makes it possible to finance the purchase of the new property while waiting for the sale of the current property. It is a temporary solution that bridges the gap between buying and selling real estate.
Social accession loan
One Social accession loan (PAS) is a type of home loan in France designed to help low-income households become owners of their main residence. This loan is supervised by the State and offered by authorized banking institutions.
conventional loan
One conventional loan is a real estate loan in France intended to facilitate home ownership and the financing of certain works for borrowers with no income conditions. This type of loan is governed by an agreement between the State and banking institutions, offering regulated financing conditions.
Zero interest loan
The zero interest loan is an advantageous device for first-time buyers wishing to buy or build their main residence in France. By eliminating the cost of interest, it makes home ownership more affordable for eligible households, while imposing specific resource and use conditions.
Pel and cel
The PEL And the CEL are two complementary savings schemes for buying real estate in France. The choice between the two depends on the flexibility needs, the real estate project envisaged, and the savings capacity of the owner. The PEL offers advantages for long-term real estate loans with fixed rates, while the CEL offers more flexibility with quick access to saved funds.
Accession loans
The Housing Action Loan, formerly known under the name of a “1% housing” loan, is a device in France intended to help employees finance the purchase of their main residence or to carry out certain work in their home. This loan is offered by companies that participate in Action Logement (formerly 1% housing) and is subject to specific eligibility conditions.
fixed rate mortgage
One fixed rate mortgage is a type of mortgage where the interest rate is constant throughout the term of the loan. This means that monthly repayment payments remain the same from the beginning to the end of the loan, providing predictability and financial stability for the borrower.
mortgage at a revisable rate
One mortgage at a revisable rate, also called a variable rate loan, is a type of mortgage where the interest rate can change over time.
bonded loan
One bonded loan is a type of home loan that uses a bond as a guarantee of repayment instead of a traditional mortgage. The bond is usually provided by a specialized bond company, which undertakes to repay the loan in place of the borrower in the event of default. This mechanism is particularly common in France and offers several advantages compared to conventional mortgage guarantees, depending on the fluctuations of financial market benchmarks.
Loan with installments of repayments
One Loan with installments of repayments is a type of loan where the amount of monthly payments changes in a programmed manner during the term of the loan. Payments are organized into different “stages” or periods, each with its own repayment terms in terms of amount or duration. This type of loan can be used to adapt to anticipated changes in the borrower's income or to optimize the repayment plan according to specific financial projects.
flexible loan
One loan with flexible deadlines, sometimes called flexible loan, is a type of real estate loan that offers the borrower the possibility of changing the amount of his monthly payments according to his needs and his financial situation during the term of the loan. This flexibility allows you to better manage your budget and adapt reimbursements to changes in income or other financial changes.
The best banks to finance your real estate project
Union Foncière de France selects the best partners to find the ideal financing for your acquisition.
BNP Paris
cic
Société Générale
Crédit Mutuel
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BPCE Group
Swiss Life
Contact a Union Foncière de France advisor for free.
Evolution of real estate rates last years
History of mortgage interest rates at 20 years, over the last 5 years.
Why the Union Foncière de France?
Full range of services
As a global operator, we provide you with our know-how to support you, from the acquisition to the sale of your property, including the management and valuation of your assets.
Transparent and efficient customer service
We make it a point of honor to build close relationships with our customers, based on lasting trust. We listen to your needs to build a tailor-made solution.
Knowledge of the market and its players
Our detailed knowledge of the real estate market, its regulations, and our network, will allow you to benefit from the right expertise in order to make the best decisions.
Call on a Specialist real estate hunter
Questions frequent
A mortgage is a loan granted by a bank or a financial institution to finance the purchase, construction, or renovation of real estate. It is generally repaid over a long period of time, often between 10 and 30 years, with monthly payments made up of capital and interest.
The main types of real estate loans include:
- Fixed rate loan : The interest rate remains constant throughout the life of the loan.
- Loan at adjustable (or variable) rate : The interest rate may vary according to market indices.
- Loan with 2 levels : Monthly payments vary at predefined periods.
- Ready in fine : The borrower repays the interest during the term of the loan and the principal all at once at maturity.
- Relay loan : Allows you to finance the purchase of a new property while waiting for the sale of the old one.
The interest rate is influenced by several factors, including:
- Market conditions : Central bank key rates, inflation rates, and the general economic situation.
- Borrower profile : Including income level, professional stability, debt, and personal contribution.
- The type of loan : For example, a fixed rate loan may have a different rate than a variable rate loan.
The personal contribution is the amount that the borrower can provide from his own funds to finance part of the real estate purchase. It is important because:
- Reduction in the amount borrowed : A higher down payment reduces the amount of loan required.
- Improvement of loan conditions : Banks consider a personal contribution as a sign of solvency and can offer more favorable interest rates.
- Limiting borrowing costs: Less interest to pay on a lower amount borrowed.
The Global Effective Annual Rate (APR) is an indicator that represents the total cost of a mortgage, expressed as an annual percentage of the amount borrowed. It includes:
- The interests : Based on the nominal loan rate.
- Ancillary costs : Such as administrative, insurance, and warranty fees. The APR makes it easy to compare loan offers with each other, since it integrates all credit costs.
Borrower insurance protects both the borrower and the bank against the risks of non-repayment of the loan in the event of the borrower's death, disability, or job loss. It may be mandatory to obtain a home loan.
Yes, it is possible to renegotiate a mortgage with your bank to obtain better conditions (interest rate, term) if the market conditions or the personal situation of the borrower have evolved positively. Credit repurchase consists in transferring your credit to another bank that offers better conditions. This may involve prepayment fees, so it's important to carefully weigh the benefits against the costs.