Home loan
Your financing with flexibility.
Are you looking for financing to acquire or build your home? Benefit from flexibility and security by choosing a customizable offer.
A fixed or variable rate loan, our advisors will guide you in defining your credit adapted to your situation and your projects. Découvrez une approche novatrice pour concrétiser votre projet immobilier au-delà du simple financement. Nous proposons une personnalisation de votre prêt hypothécaire selon vos besoins.
BENEFITS
- Attractive Interest Rate
- Up To 250000 Euro
- Up To 25 Years*
- Anticipating
- Financing Up To 100%
INDIRECT AMORTIZATION
Optimize your taxes with indirect depreciation
In the case of a loan for the purchase of a primary residence, we recommend indirect amortization of your mortgage debt which allows you to benefit from the following elements:
- - Tax benefits
- - Advantageous rate
Instead of repaying your mortgage directly to the bank, you make payments into your 3rd pillar Savings Account which, at a set date, will be allocated to repaying your mortgage.
Questions and answers
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How is the interest rate on my Fixed Rate Mortgage determined?
Your rate will be set individually based on risk, market conditions, guarantees and the overall business relationship.
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When should I renew my fixed rate mortgage?
Fixed-rate mortgages have a fixed term, set out in the contract you have signed with the bank. For any questions relating to your contractual conditions and your renewal, your advisor will be happy to provide you with personalised advice.
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Fixed rate or variable rate?
Given the current context of the capital market, we currently recommend a fixed-rate mortgage, spread over several tranches of different durations. This solution protects you against a possible increase in interest rates and gives you the assurance of benefiting from an identical mortgage charge throughout the chosen loan term.
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What is the difference between a first and second mortgage?
At BCVs, we offer you first-rank mortgages for 80% of your investment, which has the advantage of avoiding the higher interest rates generated by a second-rank mortgage.