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48 CHALLENGE HEBDO Du samedi 12 au vendredi 18 juillet au 2008


How to better negotiate its loan?


IN THE JUNGLE OF THE REAL LOANS, IT IS OFTEN DIFFICULT TO MAKE A CHOICE. ESPECIALLY THAT OUR INTERLOCUTORS IN THE BANKS DO NOT CONTROL THEMSELVES ALL HOLDING THEM AND THE OUTCOMES OF THE PRODUCT THAT THEIR BANK PROPOSES. LIGHTING WITH PROFESSIONALS OF the FINANCING DE L' REAL ESTATE.



For negotiating a real loan well, it is necessary to have a contribution! You in the place of the banker imagine, if you must finance quelqu' one which n' do not manage to put d' money on side each month? S' it N hand holding, would arrive why there it does not arrive there tomorrow? It doncforcement is doncforcement recommended d' to have put side of l' money each month during a few months at least front d' to go will negotiate, prevents d' EM blée Julien Stephan, marketing director of Cafpi, broker in real loan. The council can seem basic, even pain-killer, and fall under the direction. Only, most important is to show its capacity to be borrowed and not your need to borrow. «Remain coherent in your request: if you have already beautiful blow of debts, you will not be able to ask large for thing. All this quise known as n' is not inevitably applicable: qu' so-and-so tells you qu' it is possible d' to have such rate does not mean that it will be the case for everyone and for all the durations! », Julien Stephancontinues.


Rate: the immersed part of l' iceberg



Then, see your banker, he will give you an offer of reference. From there. you can is you to address to â a broker (even s' it n' in exists aujourd' today qu' only one in Mame), which thanks to its knowledge of the offers of bank, will tell you which d' type; offer is appropriate to you best. You will know also this manner the maximum amount which you can EM prunter and, according to the organizations, under which conditions. Either you one by one screen the various parameters composing the loan. When you look at several offers, you do not stop at the simple rate! Compare l' offer credit as a whole. Total costs of the financing, with in particular the cost of l' insurance, is much more significant. Example, a loan atfixed rate of net of tax with 5,82% matched d' an insurance with 0,55% expensive remainder. , L' insurance is the first obvious difference in a real loan. It is not only necessary to pay attention to its cost also sorted with Mo dalities of payment suggested by the bank. It is possible qu' one proposes to you to pay it cash, in which case if you proceed to a rem boursement anticipated, you do not recover it.

As it is possible qu' it is taken to you in a monthly or semi-annual way, sousfarine of decreasing premium. Each case comprises advantages and disadvantages, but it is necessary to see what is appropriate to you it: denied»), warns Youssef Chraïbi. associated director. With l' insurance, it is necessary to add the maximum duration of l' loan, modularity… Look at also your conditions of exit: advance payment and other. If one day, you wish to move for more a large surface, that could change you the life! A broker can help you to build the best offer and to negotiate it for you near the banks so d' to obtain the best conditions…. C' is to some extent the wholesaler of the real loans.

Soumayya Douie

CAFPI: calling card

Created in 1970, CAFPI - the Council with l' Sion access and to the Financing with the Immobi Loan to bind, is the leader of the brokers in real loans in France. In 2007, CAFPI realized in France nearly 30.000 files for 5,05 billion d' euros of credit. Thanks to its volumes, CAFPI obtains banks partners with which he works permanently of the particularly advantageous conditions from which he makes profit his customers directly. For any person having a d' project; real purchase in Morocco, CAFPI makes the turn of the offers of credit of the Moroccan banks and submits to its customer the best proposal. CAFPI offers a service of financial montage and d' accom pagnement with the constitution of the file, thus qu' an assistance in all steps related to the installation of the real loan. CAFPI brings to the real purchasers a service d' ac compagnement with the financing of their project in Morocco. In Morocco. you specialist in broking in loan real, or known as in more coloured way, the ché supermar of the real estate credit, started his activities since the beginning of June. Lastly, CAPFI Morocco, c' is l' history of two young Morrocans and a French, who met in Paris. and which decided d' to accompany the boom by l' real estate: Youssef Chraïbi, associated director and financial ex-listener, Ghali Chraïbi, di vice-chancellor associated and old professional of the council in the credit risks, and Julien Stéphan. specialist in the distribution networks.


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