Buying a house, having it built or simply renovating is a dream of many French people, that of owning the 4 walls that surround it. Simply, to become an owner, there are several pieces of information you need to know.
Unless you inherit a large sum of money, have saved your whole life, or have won lottery games, you need to go to a bank to buy a house and what 90 does % of French people who wish to become owners. Home ownership is only possible when one has the ability to borrow, it is quite simply a mixture of the maximum debt ratio of 33% and the minimum remaining living that a household must have.
It is therefore necessary first of all to know how much you can borrow from banks before imagining yourself owning a house. Several reasons can produce a negative answer, the existence of credits in progress, an excessively high debt ratio, an insufficient remainder to live, not everyone has the capacity to become an owner and it is necessary to go through the case study to find out if this is possible for you. This study request is of course free of charge with any mortgage credit organization.
Fortunately, many aids provide access to property for the most modest households, starting for example with the zero-interest loan. This is a credit whose interest is paid by the State, in other words, we offer you to help you become an owner by granting you a sum of money, this amount is capped but can allow you to unlock a situation.
The social accession loan is also an interesting device because it offers advantageous conditions for the most modest incomes, it can be combined with the zero-rate loan but also with the 1% employer loan. It is a credit similar to the PTZ with the exception that it is offered by the employer and that the rate is 1%, you must inquire with his management for more information. These devices are studied when filing the mortgage file, the bank will check if these aids are accessible and inform the borrower of the conditions of access and obtaining.
Not all households will win their case and a financing agreement. It is therefore necessary to request information from bank advisers on the reasons for refusal and to solicit mortgage brokers, who can probe the various banks because if one of them has refused, others may very well accept the file. Finally, it is also necessary to work on the credits in progress by proceeding, why not, to a consolidation of credit in order to reduce the monthly payments.
