Translation of an article written and signed in French by Sandy MASCART, for information. Only the French version is authoritative. Read the French page
Topics
My role, fees and transparency
My role, fees and transparency. Articles on this topic, most recent first.
8 articles.
All articles on this topic
Most recent first.
- Estate agents and mortgage lead generation: where referral ends and intermediation begins Estate agencies: where the code draws the line between referring and intermediating in mortgage lending, and the five clauses that make an agreement clear.
- Reviews of a mortgage intermediary: what a review proves, and what it does not A rating recounts the experience of other clients, not the professional's status. What the law requires of reviews, and what can be verified in a few minutes.
- My mortgage intermediary is no longer responding: what to do and how to switch Intermediary unreachable? Normal silences, warning signs, written follow-up, ending the mandate, documents to retrieve: take back control of your file.
- Mortgage intermediary or direct bank: an honest comparison, and the five cases where I advise against using an intermediary Intermediary or direct bank: what each brings, what neither can promise, and the five cases where going to your bank alone is sufficient.
- Can you put two mortgage intermediaries in competition and approach your bank at the same time? Yes, it is permitted: consulting several intermediaries and keeping your bank, provided you avoid the duplication that causes your application to slip.
- Intermediary fees: how much, who pays, and when Free pricing, bank commission, nothing to pay before the funds are disbursed, impact on the APRC: what a mortgage intermediary really costs, and when.
- What I do not do: consumer credit, reverse mortgage, standalone renovation loan My mandate covers residential mortgage lending and debt consolidation. Where the boundary lies, why it exists, and who to turn to beyond it.
- Relationships with lenders: what the law requires you to be told, and what this site publishes Which banks does a mortgage intermediary work with? The four pieces of information the law requires them to provide, and the additional questions to ask.
Regroupement de crédits
Un regroupement de crédits dont la part des crédits immobiliers ne dépasse pas 60 % du montant total de l’opération relève du crédit à la consommation (C. consom., art. L. 314-10, L. 314-11 et R. 314-18). Le code impose alors la mention suivante sur sa publicité :
Un crédit vous engage et doit être remboursé. Vérifiez vos capacités de remboursement avant de vous engager
Your loan and your purchase
- You have a ten-day reflection period on the loan offer.
- The sale is conditional on the loan being obtained.
- If the loan is not obtained, the sums you paid the seller are refunded to you.
Mandatory legal information, in French:
L’emprunteur dispose d’un délai de réflexion de dix jours ; la vente est subordonnée à l’obtention du prêt ; si le prêt n’est pas obtenu, le vendeur doit rembourser les sommes versées.