Real Estate Credit

We design all our offers so that you can use them as much as possible according to your needs. The mortgage loan also includes the following services and/or options available to you, which may be subject to a contract and/or specific pricing:

WHAT YOU NEED TO KNOW

Loan
It allows you to fully finance your property or combine it with other loans (such as adjustable loans) as part of a financing plan.
It can be used to finance any type of real estate project: primary residence, second home, rental investment, etc., regardless of the type of property (newly built, under construction, old, with works, etc.).

Prices
It can finance any type of real estate project: a primary residence, a second home, or an investment for rental purposes, regardless of the property type (new build, old build, with renovation work, etc.).

Monthly Payment
The monthly repayment of a mortgage loan is calculated based on the amount you can borrow, the repayment period, the interest rate, and the type of loan.

If you take advantage of flexible mortgage options, this will affect your monthly payment, whether your loan has a fixed or variable interest rate.

The borrower’s insurance premium is not included in the monthly payment – it is deducted directly and separately from your bank account and cannot be included in the flexible mortgage options.

Points to Keep in Mind
Flexible options can only be used for the first time after a waiting period (between 12 and 24 months after the funds are released, depending on your regional bank).

Each option can only be used once per year, but multiple options can be activated in the same year.

Exercising various flexibility options (such as suspending one or more monthly payments, reducing or increasing monthly payments, or making a double monthly payment) results in changes to the repayment of the mortgage loan and its overall cost, either upward or downward, depending on the case:
Using options that extend the loan term is possible under certain conditions, within the maximum duration and limits specified in the contract.
Using options that shorten the loan term is possible within the limits specified or defined in the contract.

Flexible options apply only to monthly mortgage payments. They do not apply to other monthly installments of the financing program (such as the borrower’s insurance or any other loans).

Your mortgage in just 4 steps

Stage 01

Fill out the online application form

I fill out my details online to receive an initial response.

Stage 02

I confirm my identity.

I can upload my documents electronically by scanning them or sending them from my mobile phone.

Stage 03

I confirm my identity.

I sign my loan electronically by entering the confidential code I receive via text message or email.

Stage 04

I confirm my identity.

You receive the funds as soon as your application is accepted. The financing is deposited into your bank account.

Credit for all your projects.

We are committed to guiding you through your banking journey with expertise, integrity, and a personalized approach that adds high value.