March 29, 2020

Why take out business credit insurance?

Faced with the risk of non-payment, insurers have set up a form of insurance that protects you against the risk of non-payment of your trade receivables up to the guaranteed portion.   What is business credit insurance? Credit insurance is an insurance that protects the company against the risk of non-payment of goods ordered / delivered and services provided, by informing it of the solvency of its customers and allowing it to be covered and indemnified in the event of non-payment of trade receivables, on the domestic market (domestic credit insurance) as well as for export (export credit insurance). The main characteristics of a business credit insurance contract: In a…

March 24, 2020

Financing of works – zero rate eco-loan

Summer is here, synonymous with free time and sunny weather (fingers crossed). Why not take the opportunity to do the work you’ve been dreaming of for a long time? Works credit, Personal loans, Eco PTZ, several solutions exist to allow you to intelligently finance your interior and exterior works.   Whatever your desires for work, take advantage The expertise of Cream credit brokers to benefit from adequate financing. They will help you quickly find a lending establishment in order to finance all of your work, with or without personal contributions, and by adjusting the duration or monthly payment of your loan according to your financial situation.       If…

March 7, 2020

Evolution of credits, when bad explanations get tough!

 I am one of those who formally oppose the opinions of those who see a more or less direct correlation between OAT rates and real estate rates. Thus, to justify this correlation, Best Lending explains in a publication on its site that this relationship exists since the OAT rate (noted for the example at 0.89%) would also be that of the refinancing of banks at the Best Bank also noted at 0.89 %. I want to formally contradict this explanation given by a broker whose opinion, widely publicized on this point, actively participating in the dissemination of unfounded information. The explanation given is doubly false: On the one hand, the…

February 2, 2020

The bridge loan: a tool to seize opportunities in times of tight market

The bridging loan is a loan that is offered over a short period (two years maximum) to allow candidates for purchase, already owners, to acquire new property without waiting for the sale of the first home to be concluded. A system often perceived as dangerous and to be handled with care, which nevertheless turns out to be a tool in order to seize opportunities! Explanations. The security provided for the establishment of a bridging loan The bridging loan allows you to acquire new property without having sold the property currently owned, whether it is an apartment or a house. In this sense, it is a financing mechanism that allows two…

February 2, 2020

About the smoothing of mortgage loans

To finance your property purchase, it is often necessary to call on several loans. The smoothing of loans consists in adjusting the repayment terms of each of these credits so that your monthly payments are fixed and adapted to your budget, particularly at the start of your repayment.   Combine with different home loans When you buy your house or apartment, you often use several different mortgage loans. Loan at zero rate +, subsidized loans, ELP loan,… your classic mortgage comes to supplement everything that could not have been financed otherwise. Naturally, when you combine two or three or more home loans, you take out different loan terms and conditions…

January 13, 2020

Granting of real estate credits in 2020: Towards a banking of banks?

2019 has been an exceptional year, with the crossing of the million mark of transactions in old real estate. French confidence in stone seems to have been regained, accentuated by the windfall effect of extremely low interest rates. While the government seems to want to restore some order in the conditions for the granting of loans by banks, is this situation set to last in 2020?   A very unlikely interest rate hike It’s a safe bet that interest rates, whether key or commercial, will not see a significant rise in the coming months. The upturn is such that some banking establishments have even decided to do without intermediary distribution…

January 11, 2020

What credit conditions for this year?

After 2018, a record year, the feeling is the same for 2019 in terms of mortgage. Only? Excitement or anxiety? With regard to the volumes of credits produced, 2018 marked the return to normal of flows linked to renegotiations, since the players and the Banque de France reduced the proportion to 14% against more than 50% at the start of 2017. Despite this, the year will undoubtedly show a volume of home loans of 203 billion dollars (including 170 billion of new home loans), bringing the total outstanding amount of loans to households linked to residential housing to more than 1,000 billion dollars. Record! This trend even manages to worry…

January 7, 2020

What can we finance with a work loan?

Whether you are the owner of a property, or you plan to become one, you will have, at one time or another, to carry out work within your accommodation. Refreshing the decoration, fitting out a kitchen or bathroom, insulation work, upgrading to electricity standards, complete renovation of your interior… All these projects can quickly represent significant sums that you will have to finance. To help you, it is possible to have recourse to a work loan. What is a work loan? As its name suggests, the work loan is a loan intended to finance the completion of work within its housing. If, in most cases, it is in the form…

January 3, 2020

Is there really a gender equality in credit?

“On paper, the question of equality before credit does not arise. The law prohibits gender discrimination in applying for credit. In practice, women often combine risk factors in the eyes of credit analysts. “ Do bankers take into account the specifics of men and women when they are examining a credit file? The analysis of Bogart Rodell, director of partnerships and spokesperson for the Lite Lenders brand.   The prospect of pregnancy plays into the analysis of the file Personal situation, first of all, has a hard time cracking clichés. Like many recruiters, bankers pay particular attention to women of childbearing age. The prospect of a pregnancy and a break…