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Mortgage Loans

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Mortgage Loans

Turn your real estate dream into reality

With the FLEXI FINO Real Estate Loan, acquiring your property becomes an opportunity not to be missed. Why continue renting when you can become an owner?

A mortgage is a long-term loan granted to finance the purchase of a home. During your search, several factors should be considered: the mortgage rate, the borrower's insurance rate, as well as the loan terms (modularity, early repayment, penalties, transferability, etc.). Taking out a mortgage is a long-term commitment: 10, 15, 20, or even 25 years.

Getting a Mortgage

Why rent when you can buy? Apply now!

Can you borrow without a deposit?

Borrowing without a deposit is complex. Banks insist on the need for a personal deposit, as it reflects your commitment to the purchase. The current economic climate and the recommendations of the High Council for Financial Stability (HCSF) encourage institutions to exercise caution by requiring a personal deposit.

In addition, this deposit allows you to cover additional costs related to the purchase, such as:

  • Notary fees: approximately 5% of the property price for an existing home, and 2% for a new property.
  • Guarantee fees: deposit, mortgage, or lender's lien.