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Real Estate Credit

Find the home loan to finance your project with Kreditys.

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 ratesAmount of monthly paymentsTotal 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.


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What are the different types of real estate loans?

Choosing the right mortgage

Depending on your profile, your financial situation and your financing plan, there are several types of home loans:

  • The amortizable loan, the most classic and widespread version of real estate credit, which allows the purchase of a principal or secondary residence.
  • The In Fine loan for rental investments, gives the possibility of repaying the capital in one go, which allows the borrower to repay only the interests via his monthly payments. Interesting from a fiscal point of view, it concerns more the highly taxed households.
  • The bridge loan, as its name indicates, is adapted to the sale of a property with the aim of acquiring a new one.

Subsidized loans in addition to the main real estate loan

In addition to the main real estate loans we have just mentioned, it is possible to cumulate different forms of subsidized loans. Granted by Kreditys under conditions (of income or situation), these are granted to the borrower at an advantageous rate. Do not hesitate to contact us for more information!

Home ownership loans partly financed by Kreditys:

  • The Social Accession Loan
  • Conventional loan
  • The zero interest loan
  • The home savings loan
  • The action logement loan
Finally, each real estate loan can have different characteristics:
  • The fixed rate loan
  • The adjustable rate loan
  • The guaranteed loan
  • The or with stages of repayments
  • The loan smoothed real estate modulable
Note that you can combine several different types of real estate loans in order to optimize your financing plan.
The features of our home loan offer.

Kreditys’ home loan is the right financing solution for your real estate projects, whether you want to buy a primary residence, a secondary residence or a rental property. We offer you attractive conditions in terms of interest rate, repayment period and loan amount, as well as personalized support to help you find the financing solution best suited to your financial situation.

We offer diversified loan solutions adapted to your needs.

At Kreditys, we are proud to offer a variety of online loan choices to meet the diverse needs of our customers. Whether you need a personal loan to finance a personal project, a mortgage to buy a home, a car loan to purchase your dream vehicle, or a student loan to invest in your future, we have the right solution for you. With our user-friendly online platform, you can easily compare loan options, choose the one that best suits your needs and apply in just a few clicks.

Auto/Moto Credit

Looking to finance the purchase of your next car or motorcycle? At Kreditys, we offer a fast and easy online car/motorcycle credit solution.

Credit Repurchase

You have accumulated several credits and you have difficulties to pay them back? Credit repurchase is the solution you need to simplify your finances and reduce your monthly payments.

Business loans

Are you a business owner or entrepreneur looking for financing for your business project? At Kreditys, we offer you professional loans adapted to your needs.

Why choose the Kredytis personal loan.
  • An immediate response in principle.
  • Personalized support from the loan application to the repayment.
  • A competitive interest rate, fixed for the duration of the loan.
  • Fixed monthly payments, for easier budget management.
  • No application fee.
  • The possibility of prepayment at no extra cost.

Simple, Fast and Efficient

Online application

Go to our website and fill out our online loan application.


We will take into account your credibility and your ability to repay.


We will draw up a loan contract for you once your application has been validated.


The money is transferred directly to your bank account. Simple and fast.

Apply for your loan online today!

Get the financing you need now with Kréditys.

At Kreditys, our mission is to accompany you in your life projects by offering you customized financing solutions.


104 Rue Réaumur, 75002 Paris

+33 7 56 86 84 84



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