Mortgage loan rates still low

While some thought to see a rise in rates in 2018, the opposite is happening.

Analyzes show that mortgage rates stagnate , or even better, decline !

Falling mortgage rates down

Several reasons explain this rate decrease . First, the key rates of the central bank, and in particular the 10-year OAT, reference rate of the cost of money for banks, decline. This implies rates that also fall for the end consumer, namely the borrower.

Another interesting point, the banks compete fiercely in the middle of the year 2018. Indeed, the objectives are far from being fulfilled and the files are scarce than in previous years, due in particular to the decline of the requests for Real estate loan buyback , the vast majority of French have reviewed their loan agreements with their banks, or even made a credit redemption from a new bank.

Longer and longer durations

Sign that banks need to enter new credit files, they grant more and more long terms on loans. It is now possible to borrow over 25 years in almost all banks, and openings appear for loans of a longer duration, 30 or even 35 years!

In general, the average duration of home loans in France is increasing. Since 2017, this average duration has increased by 7 months according to the Crédit Logement observatory.

One consequence: Stop the transferability of loans

The continuity of low interest rates and the prospect of an inevitable rise, in the more or less near future, are pushing banks to protect themselves. Some have already made the decision to stop the possibility of transferring a loan.

It was indeed possible in some banks to transfer a loan when the borrower resold his property to buy a new one. This possibility tends to disappear.

To make a complete point on your personal situation with a view to a real estate purchase, do not hesitate to call on your local broker and ask for an appointment of study of budget .

Personal loan: the solution to your home

Do you want to start work in your house? Discover the loan solutions that will help you to realize your projects.


A swimming pool, a jacuzzi, an American kitchen, a chimney … without forgetting the air-conditioning and the alarm system! You are planning to build the house of your dreams, but your dream has a cost. By subscribing a credit work or pool credit , do not postpone your desires to tomorrow! Many online credit agencies offer specific solutions for making interior and exterior furnishings in your home. It’s up to you to find the best offer for your project!

Want to taste the joys of swimming? Opt for a pool credit!

Buying one’s own pool has become an affordable dream, with prices falling sharply in recent years. The owners are more and more tempted by this pleasure, by contracting a pool credit. You too, finance with a pool credit your work, whether you realize them yourself or you entrust them to a company or a craftsman. With your personal credit, develop the environment of your pool with a terrace, stairs, jets of water.

And think of equipping yourself with all the essential accessories for its proper functioning: heat pumps, filters, ladders … Do not forget to secure your swimming pool with an automatic cover or an electronic alarm. With a personal loan, you can meet all your needs flexibly even to non-work financing such as buying a car at the best car loan rate or preparing a trip.

Need a successful financing for your work? Discover the credit works best adapted to your project

You want to carry out a credit work to start calmly the layout of your home? Take care, beforehand, to properly define your needs and to quantify them, so that your loan is perfectly adapted to your situation. Then go to the website of an online credit agency to do a credit simulation.

Depending on the amount of credit you want and its duration, you will know the value of the proposed monthly payments, the total cost of the credit and the TEG (Global Effective Rate). Compare the offers of different providers. Make sure you can benefit very quickly from your first payment, so you do not have to delay your work. You can then apply online for credit with ease.

Pool credit, credit works: very advantageous conditions

Online credit agencies offer you some of the best financing offers. Apply for your credit, and bundle several projects into one single personal loan: finance, for example, in one monthly installment the security system of your pool and a spa! Also get a first check to quickly start your work or buy your materials. Find all the specialist offers on their website.

Public Servants: What Benefits for Your Mortgage loan

Are you civil servants ? Enjoy the benefits of your professional status to lower the cost of your home loan!

Indeed, the banks particularly appreciate the officials for the security of status. They put forward some specific offers and reserved especially for you.

Specific offers of banks for civil servants

We offer competitive offers on real estate loans and loan insurance for civil servants. Recently, all public servants can benefit from these benefits. They result in a specific rate grid reserved exclusively for civil servants as well as preferential rates on loan insurance .

Also proposes a specific grid reserved for civil servants. This is accompanied by an advantageous loan insurance schedule. You can also choose the option to 180 days of deductible (instead of 90 days usually on insurance contracts) to further reduce the cost of insurance.

Some departmental funds offer an offer reserved for teachers . 

All banks

In general, banks are open to better negotiations on the profiles of civil servants. Despite their specific offers, the banks listed above may very well be competing with banks that do not offer specific offers, but with aggressive rates to win the file.

Specific loans from your organization

According to your employer, you may be eligible, in addition to the specific offers of banks, loans reserved for your industry . These additional loans can be added to your financing and smoothed with the main bank loan and any other loans.

The military can for example benefit from the Home Ownership Loan. The latter allows the military to benefit from a 0% loan of up to € 20,000.


Make a complete point with your broker Gregor Samsa on the benefits you could benefit from. He will give you precise advice according to your situation and your real estate project.

Loan discount: The advantages of the online comparator

Loans are financial solutions designed to facilitate and significantly improve the lifestyle of the population.

Indeed, the fact of soliciting a special fund, for a project or urgent need, meets an exceptional need incurred by the applicant. Since a credit must be repaid, it makes sense to see people staying on a constant search for the cheapest rate on the market. To help them, the online credit comparator is still the tool of choice to obtain good results.

Online comparator: a fast and easy-to-use tool

The online credit comparator is a device integrated on a broker platform specialized in this field. This is the kind of interface that can produce results according to a specific request. It remains easy to use and will not interfere with novices. At the same time, this tool provides quick information to help the credit applicant find the cheapest loan suited to their current needs. It will be sufficient, in general, to enter the personal information related to his request, click on validate and wait for the result. It’s really very simple. In addition, with the advance of technology and the plurality of discoveries in the computer field, information is faster. Queries also get an instant answer. A considerable asset for all users.

A directory of all credit institutions to facilitate research

This system also brings together all entities specializing in the credit sector to allow visitors to find on the same platform all useful information for a loan. Indeed, by simple request via this tool, the credit acquirer will find a list, gathering all the actors of this domain. Thus, it will be able to evaluate and compare all the reimbursement rates made available to the customer on the market. Needless to say, the search time is diminished. Which should not fail to satisfy everyone. On the website , an online comparator can be used to help customers. Its device is free and without commitment to satisfy customers properly.

Reliable data to find the most discounted rate

To find the discount credit so much desired by most of the population, the online comparator remains indispensable and exceptionally profitable. Indeed, the resulting information (banking entities, rates used, repayment period, …) remain completely reliable to secure customers. With a vast amount of information on a single platform, customers will immediately appreciate the services offered by an organization. Largely conveyed and popularized at the moment, it is good to admit that this search engine, generally inserted on an online broker site, brings a lot of advantage. The only difficulty of the customer will be to find the project to assign to his loan discount. The procedures are more facilitated and the cheapest rate is served with ease.

Online Loan: How to Compare Well?

Multiple online loans are available to finance your projects and professionals.

It is important to compare and simulate your online loan before choosing the most suitable formula for your needs . Discover the selection criteria for your online loan.

Online banking service

An online loan is comparable to a conventional loan with the same guarantees and the same expertise for the treatment of your loan file. Legally, the same requirements apply to loan subscribed online, with a contract and a withdrawal period. The only difference is that you can subscribe to a loan application without leaving your home. This exempts you from paperwork, long queues and endless appointments at the bank . loan agencies have made a significant change to the banking revolution, and online loan file processing. Almost all households now have an internet connection and users can access the banking service from their cell phones or computer. All requests can be addressed to the bank advisor, reachable by mail or telephone or even on social networks.

Online loan application

Many of your projects can find funding in these new banking formulas. For renovations or the purchase of appliances, you can compare the offers of professional services and get a commercial discount on the final price. Whether it’s a trip, a wedding ceremony, a new car …, all these projects can be financed by an online loan . All you have to do is inform yourself about all the costs and present a quote with the requested amount. In this case, it is the assigned personal loan. But you can also subscribe to an unallocated loan without the need for receipts, with a much higher rate.

After defining your personal purchase plan, applying for loan online can be tempting. The determination of the amount of loan is a major asset for having fast financing. The comparison of online loan offers is important to get a good prime rate, it allows you to simulate your loan online .

Monthly repayments

For your financing needs, the study of the budget of your project and the formalities of reimbursement are essential criteria . You can choose an organization that offers online loan with a repayment term that suits you best, including loan insurance. The latter enhances your serenity and your confidence in the future. Depending on your needs, choose between unemployment insurance, partial or total disability, temporary and total disability (ITT) and death insurance. Privilege loan offers that offer a deferral of monthly payments , which allows you to shift the repayment of the first monthly payment or temporarily stop the refund.