Comparison of real estate rates: low-cost credit

 To offer a comparison of real estate rates, there are many criteria to take into account. There are obvious factors:

  • Amount borrowed
  • Duration of the mortgage
  • Bring
  • Financial capacity / debt ratio

But to offer a comparison of objective real estate rates, there are less obvious factors such as the place of acquisition or the possibility of being accepted. Indeed, there is no point in knowing who is offering the best rate if it is so that the file is not accepted.

PS: Our credit comparison is based on credit rates excluding insurance. When it comes to home equity, the possibility of comparing home loan insurance rates should not be overlooked. It is quite possible, the law authorizes the borrower to choose his insurer… and there are great savings on arrival.

Comparison of real estate rates: the usual factors

Comparison of real estate rates: the usual factors

We will not cut to offer the comparison of current real estate rates. However, it should be noted at the outset that these rates are taken from national averages and do not take into account the credits refused. Indeed, a mortgage loan rate is assessed primarily based on a client file.

Unlike a consumer credit comparator which is offered at such or such rate and then granted or not according to the file, a home loan is first the subject of a study to know if it can to be accepted. If so, the rate at which it can be granted is then determined. Proposing a comparison of real estate rates without studying the file therefore amounts to giving an average of the rates obtained on the market. Here is a comparison of fixed and variable real estate rates for the first half of 2017. This comparison shows all of the real estate rates, from the lowest to the highest.

Updated on 28/06/2017. Rates excluding insurance.
* Revisable rate: capped + or -1%.
Classification made on the basis of the average rates observed.

The rates are understood as the overall effective rate, the legal rate for mortgage loans.

Logically, duration has a major importance on the mortgage rate. However, what this ranking of real estate rates does not show is that there may be other elements that come into play to get the best credit. Indeed, if one speaks only of financing, the contribution plays a very important role in matters of mortgage.

Indeed, obtaining a credit without contribution for a consumer loan poses no problem. Conversely, for a home loan, the contribution will be decisive whether to obtain an agreement or to obtain a cheaper mortgage rate. The contribution does not only lower the total amount to borrow and therefore the monthly payments and therefore the debt ratio. It regularly provides access to a cheaper rate.

Comparative real estate rates: unavowable factors?

Comparative real estate rates: unavowable factors?

There are no shameful factors but simply lesser known factors. The first of these is the “financial strength of the file”.

Financial evaluation of the file

When applying for a loan, there are ultimately only two important points:

  • Get a deal
  • Get the lowest rate

Get a deal

Obviously, getting a deal is the first and most important step. Proposing a comparison of real estate rates makes very little sense if the loan is not granted. We detailed the credit system refused by banks in a dedicated article. The bottom line is that there are of course mechanical rules (debt ratio, minimum income, etc.) but also a credit score. If the score is not high enough, the bank assesses a too high probability that there will be repayment problems and will not grant this loan. This score will also be used to determine the rate of mortgage loans granted.

These reasons mean that a comparison of mortgage rates is only informative and reflects an average market trend. In order to be able to give an appropriate evaluation, each file must be able to be evaluated. It is on this basis that the comparator that we have developed works. Not only does it provide an objective assessment, but it also integrates the best market offers AND the largest brokers at the national level. So our goal is to both get a deal and get the lowest rate possible.

Get the lowest rate

There are not 36 solutions, to get the lowest mortgage rate, you have to go around the market. This is the reason why mortgage loan brokers and comparators like us have the wind in their sails, beyond the provision of comparative real estate rates. Concerning the link between the mortgage rate and the evaluation of the client file, there is the credit score. We are not yet at the level of the United States or Canada, where the credit score of individuals (Credit Score) is a centralized data linked to each person with a social security number.

However, the principle is the same in France except that each bank performs this assessment. And in reality, everyone was confronted at least once with an exchange of the type “I got 1.23%, isn’t it? “Or” how much did you get from your bank? “. Obviously the underlyings are certainly to know if one is a good negotiator but also an assessment of his financial situation compared to that of others… A comparison of real estate rates is therefore essential to obtain the best mortgage rate but must be adapted to each file.

So what are the factors most influencing the credit score? There is certainly the debt ratio and the income, but it is above all the stability of the person or of the household that will become very important. For example, seniority in employment or in banking is of great importance. But the type of job too. For example, civil servants will be quite well received, to the point that there are specific offers of civil servant credit.

Credit Advisers – Loans, Loans, Deposits, Investments

Credit advisers are experts will find the best financing offer for you free of charge. We specialize in difficult topics. We offer simplified procedures for companies – up to 200,000. minimum formalities. Flexibly calculated creditworthiness. Cash loan for companies up to PLN 300,000 without collateral. Express loan for companies up to PLN 60,000, only for PIT without a KpiR. The cheapest cash loans, housing loans, car loans and the best non-bank loans We provide low installments, attractive interest rates.


Credit Advisers – Loans, Loans, Deposits

Credit advisers offer various loan proposals and innovative products. They help clients choose the best solution and the optimal lending time. Thanks to the rich offer, credit advisors are able to offer the offer best suited to the individual situation of borrowers.


Credit and financial advisers are at your disposal!

Credit and financial advisers are at your disposal!

Financial advisors is a team of professionals in the composition of which is an investment advisor, a credit advisor and an insurance advisor.

The investment adviser will make every effort to choose the best form of investing money, the best investment funds in terms of profile, client’s needs and expectations, will help to compare investment funds. The investment adviser together with the client will prepare a professional and advanced retirement plan allowing to prepare for a situation of reduced job activity or total retirement.

A credit advisor will help in choosing the best cash loan for companies, car loan indicating the best form of financing or raising money. The credit advisor will indicate key differences in the offers of individual banks, and will also select the appropriate form and type of loan in terms of plans related to the purpose for which you intend to allocate money. The credit advisor functions as a credit broker acting on behalf of the client and not on behalf of the banks.

Credit advisers analyze the current situation of the client, but also try to prepare clients for various unexpected random cases such as loss of job, loss of health, invalidity, serious illness or even loss of life.

All aspects help you to analyze the credit advisor free of charge. All you need to do is make an appointment. Advice and meetings with advisers are free and non-binding. You can also use the services of credit advisors in situations requiring clarification of unintelligible entries in contracts. We invite you to meet with a credit advisor.


You do not know which cash loan to choose?

You do not know which cash loan to choose?

Take advantage of the free assistance of an adviser who will help you choose the best loan offer tailored to your needs. The proposal includes cash loans for any purpose, without income statements, no income statements, no collateral, a statement and loans offered by non-bank institutions. Below we have included a form in which you can leave the phone number to yourself. In the matter of the loan, a call center employee will contact you.