At Kreditys we know that buying a property can be one of the most important investments you will ever make. That’s why we offer home loan solutions tailored to meet your specific needs. We offer competitive rates and a range of home loan products, including fixed and variable rate loans, as well as purchase option mortgages. We work with a wide range of banking partners to provide you with flexible and advantageous financing options.

Our real estate finance experts work closely with you to understand your financial goals and develop a customized financing plan. Whether you are looking to purchase your first home, refinance your current mortgage, or invest in real estate, we are here to help.

What can a home loan finance?

A real estate loan is intended to finance :

• the acquisition of a building (apartment, house) for residential use or for professional and residential use; 
• repairs, improvements and maintenance of the acquired property;
• the acquisition of land for the construction of a building for residential use or for professional and residential use.

The loan granted by Kreditys can be used to finance your primary or secondary residence, or to carry out rental investment.

The traditional real estate loan can be taken out alone or with complementary loans such as the PTZ (zero rate loan). The PTZ allows you to finance part of your acquisition without interest.

The importance of the real estate loan rate:

1. The cost of your real estate project takes into account different elements such as : 

   • The amount borrowed;
   • Interest rate;
   • Borrower’s insurance rate;
   • Application fee;
   • Notary fees;
   • Real estate agency fees, if any.

   The interest rate of your credit is of major importance because it will have a determining impact on the amount of your monthly repayments, and the total cost of the loan. This is shown in the table below, which represents a real estate loan simulation for a loan of €200,000 over 20 years with an insurance rate of 0.34%.

   Real estate rates	Amount of monthly payments	Total cost of credit
   2,20 %	1 087 €	60 997 €
   2,35 %	1 102 €	64 460 €
   2,51 %	1 117 €	68 187 €

   The real estate rates vary from one establishment to another, and according to the geographical area where the bank is located. Negotiating your real estate loan rate, or comparing with the help of a broker such as Meilleurtaux to obtain the best rate, can therefore allow you to make savings. And of course, it is essential to build up a clear and precise file before applying for financing, and to optimize your borrowing profile.