Our financing
Home loan
Finance a property purchase assessed on your real situation, not on a score.
The home loan finances the purchase of your home or an investment. We study atypical files: self-employed, short contracts, profiles turned away elsewhere.
- Amounts
- from €50,000 to €500,000
- Terms
- from 84 to 360 months
Indicative rates by term
| Term | Fixed rate | Variable rate |
|---|---|---|
| 84 months | 3.40% | 3.10% |
| 180 months | 3.80% | 3.50% |
| 300 months | 4.20% | 3.90% |
Indicative rates, non-binding, subject to change and to review of your file.
Estimate this financing
The capital you wish to borrow.
A longer term lowers the monthly payment but raises the total cost.
Indicative annual nominal rate for the estimate.
A down payment reduces the financed amount.
Your estimate
Monthly payment
€1,201.45Estimated monthly payment: €1,201.45
- Indicative APR
- 3.97%
- Total cost of credit
- €88,347.31
- Financed amount
- €200,000.00
- Capital€200,000.00
- Interest€88,347.31
Indicative, non-binding estimate, excluding insurance and any fees, subject to review and acceptance of your file. The final APR will appear on your contract offer.
Representative example
- Amount borrowed
- €200,000.00
- Term
- 240 months
- Fixed borrowing rate
- 3.90%
- Fixed APR
- 3.97%
- Monthly payment
- €1,201.45
- Total cost of credit
- €88,347.31
- Total amount payable
- €288,347.31
Representative example, excluding optional insurance. A loan commits you and must be repaid. Check your ability to repay before committing.
Eligibility conditions
Accessible if…
- A purchase with a down payment or collateral
- Steady income, non-salaried included
- An atypical profile but a solid file otherwise
Not suitable if…
- Debt clearly beyond prudential thresholds without collateral
- No down payment and no property to mortgage
Documents to provide
- ID
- Purchase agreement
- Last three payslips or sets of accounts
- Recent account statements
Worked example
Buying a home
€200,000 over 240 months: a monthly payment known in advance, calculated to the cent.
Frequently asked questions
Do you accept the self-employed without three years of accounts?
Yes, under conditions: an established business and steady statements can make up for it.
Is a down payment required?
Not always, but it clearly strengthens the file and the rate.
Is the rate fixed?
Fixed or variable depending on the term; the table above gives indicative pointers.