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 www.creditdiscount.net , 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.

Search for a house or apply for a mortgage What to do first?

We could start looking for houses near the areas of our preference or request a loan and see how much they lend us.

To make a good decision it is important to determine if the house we are looking for is in line with our financial reality.

For example, it is a mistake to assume that I can buy a house with a value of MX $ 6,000,000, when we still do not know if we can get a mortgage for this amount.

In addition, we must consider that we must pay a down payment directly to the seller, along with other initial expenses to be disbursed.

Another problem that could occur if we start looking for a house “blindly”, is that we would not know if we can sign in time so that they do not win the property. We would have to wait for the credit to be granted and in that time someone else could buy the house.

 

Is it necessary to have a specific property to apply for a loan?

No. You can not yet be decided by any house or department and start the process of mortgage credit. You can base yourself on an approximate amount, see how much they would lend you and even get to the approval of your credit.

What is the recommendation to start the home buying process?

 

It is advisable to have a pre-approved or approved mortgage credit , because in this way in case you want to make an offer for the house, you would have the form to check that there is an institution that will grant you the credit to buy it.

 

What does it mean to have an approved credit?

 

First it is important to mention that having an approved credit does not imply a commitment, you can use it if you are sure to buy a house, however this does not commit you to anything.

We will send you a letter confirming the offer, where you will see the interest rate granted, term, type of payment, credit amount and everything related to the credit.

 

What is the advantage of obtaining approval before searching the house?

 

The letter granted by our company has a validity of 4 months, so even if you do not have real estate, you can start doing it realistically, looking for houses that fit your budget and credit granted.

This is why the ideal order would be: Apply for a mortgage loan , get an approval and once we know what the amount they will lend us, we can look for a house.

However, if you already have a house that interests you, we will help you to approve your credit in a few hours so that you do not lose the opportunity to purchase.

The loan works in my daily life

The loan works for me if I want to do work or review the decoration of my home.

The loan works allows me to do work inside or outside, today through a loan from a loan agency. This loan allows me to achieve the desired development without having to advance the entire sum.

I can subscribe to a work loan for:

  • redo the painting of my home
  • create a kitchen or bathroom
  • have a veranda built

How to finance my work easily and quickly?

At first, I must:

  • Make a point on the budget I want to allocate
  • Make quotes for the desired works
  • Decide if I want to use my savings to finance some of the work
  • Calculate the loan envelope I need

Then I identify my need with a counselor and define:

  • My borrower profile (age, personal and professional situation, income)
  • the amount of my loan
  • the repayment term of the loan
  • the insurance that I want to integrate
  • the documents to provide to my banker (identity card, proof of address, proof of income)

Once my need is defined with the advisor:

  • a commission analyzes and validates or invalidates my file
  • if validated, a contract is published
  • I sign the contract and have the negotiated sum

I can now do the desired jobs quietly. I repay at the same time the monthly payments while taking advantage of my new facilities.

I choose the best loan for my work

What are the peculiarities of this loan ?

Before committing myself, I must know that:

  • Rates offered by some resellers are very heavy so to avoid
  • The work loan does not require a minimum contribution
  • The loan concerns interior work, outdoor work but also decoration
  • Before subscribing to an insurance offered by my banker, I compare

What are the advantages ?

The loan works gives me the opportunity to do the work I want without mobilizing my financial capital. It is flexible and flexible loan to best define my monthly repayment.

If I want to do work for a property that I will soon acquire, I take this opportunity to educate the comparator mortgage real estate to compare the rates that I was offered.

Why use a comparator loan works ?

Borrowing rates are very different from one financial institution to another, using a loan comparator jobs can be an idea on the cost of a loan at a time T but also to compete and incite your future banker to offer you the conditions you are highly advantageous. A comparison of your loan works gives you every chance not to go wrong. For a fast loan on line , it will be enough to fill a form specifying the amount of your loan, the duration and the type of loan which you wish to make, to which it will be necessary to supplement with your different resources. In a few simple steps you will subsequently receive the best offers on the market.