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Don't take no for an answer from mortgage lenders.
A mortgage analyst said this weekend that two-thirds of borrower are turned down for the best loans. "For some of the best headlines available on the high streets, we know up to two-thirds of candidates are rejected," says Ben Thompson, executive manager of the Legal & General Mortgage Club.
Mélanie Bien, head of the mortgage agent Privat Finance, agreed, claiming that some lenders select the best borrower. "A number of lenders, who are often at the top of bestsellers, seem to reject candidates on a regular basis. tt ggauvret sb el evna he oshyw hn oetvh'ienWg" f. E.
Mortgage banks and intermediaries in France
Crédit Lyonnais, BNP-Paribas, Société Générale and CIC provide credit to their customers. Your tariffs are not always the most competetive, but if you are an established customer, there may be room to negotiate a preference duty. Credit Agricole, Credit Mutual, Caisse d'Epargne, Banque Populaire also provide credit to customers.
The difference between them and the central bank is that they are jointly held, and their territorial character gives them a certain amount of independence, which allows for some differences in the range of services offered from one area to another. It is the bank division of the La Poste, which also provides mortgage loans and is an unused financing resource.
It is only in recent years that La Banque Postal has been given the full right to provide home loan services and is committed to being present on the markets with low interest levels and low tariffs. Accordingly, you are likely to find that they will be be beating the rate and fee of most lenders.
When you have a steady source of earnings and are preparing to be tolerant, it is worthwhile applying for a mortgage. Entennial, l'UCB and Crédit Foncier are not custodian institutions, but often provide more interesting and competetive services to domestic residents or reciprocal societies. The Crédit Immobilier, once a significant creditor, has now shut its door after experiencing serious economic problems.
Credit Foncier has an offices in the London metropolitan area with an English-language website. BCPE (Banque Populaire Caisse d'épargne), the mother company, declared in June 2018 that it would do so. Abbey National, Barclays, HSBC, Halifax and Royal Banque de Scotland are some of the major British credit institutions in France.
They' re all quite aggressively looking for new customers and are certainly deserving of investigation. An increasing and potentially interesting resource for obtaining a mortgage is to go through a real estate agent. Often agents can get better tariffs and terms because of the quantity rebate or just because they do not promote the tariffs they are willing to go to.
In addition, research shows that interest rate levels differ between different areas within the same borrower and between lenders themselves. It may therefore be worth sifting through the markets on a domestic scale rather than confining oneself to banking outlets in a particular area. They need to review the charges and how they are compared to the handling charges that can be directly provided by the creditor.