Prêt Immo Conseils Suisse

09/06/2021

Rate's updating € & Chf - June 2021
We are witnessing a confirmed stability of rates on both Euro and CHF currencies.
Estimate your financing capacity before buying and get professional advice with our cabinet specialized in mortgage brokerage (€, Chf) to help you.
For further information, please visit our website and contact us by phone or by email from Monday to Friday. https://www.pretimmoconseils.com/en

09/06/2021

Household debt : a recurring issue with the Covid crisis !
It should be noted that the banks are now all subject to compliance with household indebtedness limited to 35% without distinction of the remaining funds ! Let us hope that the legislator will realize, in the short term, of his error of strategy and that the concept of "remaining income" will become the norm ?
Try to make yourself understood the impact of debt ratio calculation in order to be able to borrow : this is the objective of Prêt Immo Conseils ! With more than 25 years presence in the French-Swiss Lake Geneva area, we are in a position to fulfill property finance requirements. Furthermore, to assist in decision-making process, we provide tools on our website such as : calculators, a monitoring center for Euro and Chf interest rates (monthly updated) and educational resources on mortgage insurances (borrower, SDI, PCL).
For any other information, contact us from Monday to Friday on +41 22 361 01 11 or by email at : [email protected]

International mortgage broker in home loans (Chf & Euro), credit insurance and refinancing for indiv

17/02/2021

Green housing concept : impact on Pays-de-Gex and Geneva ?
Is the Covid-19 shock wave affecting real estate in the border region ? While the real estate market of France's largest cities is affected, the question arises today. Despite the geographical border, many Swiss residents aspire to more space in terms of habitability and environment as a priority in addition to being ecological if possible. Learn more by visiting our latest editorials on market trends going on at the moment (https://www.pretimmoconseils.com/taux-frontaliers) and by consulting our interest rates on the grid regularly updated. Besides, do not hesitate to fix an appointment with our cabinet for a first personalized study on your project at [email protected]

17/12/2020

A two-tier banking policy is persisting !
We are approaching the end of the year and we can see that the housing market remains solid with strong property sales. However, the current inertia in the decision banking process is likely to continue due to the SARS-CoV 2 and strict risk policies, which did not exist before. Despite all this, some banks continue to take good client's files with enthusiasm. Furthermore, in some of them, we noticed in December a rate cut of 0.1 on the Euro currency.
Early in the year and based upon our analysis, a two-tier intervention policy will probably persist : while banks will fight for winning good to very good customers, clients with average or poor credit profile will be neglected, thus limiting access to loans for some of them! Structuring financial projects for home purchase by a mortgage expert therefore remains essential to reach a loan agreement.
Visit our website https://www.pretimmoconseils.com/en to assess your financing capacity with our December interest rates and schedule an appointment with us either in Switzerland or France by email at : [email protected]

12/11/2020

Mortgage in France : what future for the Swiss ?
The list of banks that exclude the financing of residents of Geneva and Vaud areas, applicants for home ownership in France, is growing, whether in primary or secondary residence.
Now, even with a significant deposit, several banks choose to renounce property finance transactions. In addition, the validation procedures because of the Covid crisis have become more complex and lengthy in terms of the preparation of financial dossiers as well as the time to treat bank-related files by agencies.
Therefore, at the outset of the transaction project, it is necessary to identify the banks to which borrowers are eligible before obtaining the best interest rates so as not to waste time. This is why it is essential, at the early stages, to consult an expert qualified to carry out a "calibration" of your case with the objective both to assess your financing capacity and to determine (or not) the lending banks likely to help you.
For further details, please consult our last publications : https://www.pretimmoconseils.com/en/cross-borderrates and in the meantime take care of yourself and your love ones.

04/11/2020

The new lockdown and rate’s publication (Nov. 2020)
Following the tighter measures in France and Switzerland, Prêt Immo Conseils stay in tune with your needs related to the study of your future property project, assessment of loan application, consolidation of home loans or search for borrower insurance.
If there is every reason to believe that the current situation will drag on in terms of health and economics changing your priorities and routines, it is crucial for an initial advice to call upon a mortgage expert to understand the present and anticipate future trends ! By appointment only, video conference or conference call are currently privileged (reception in our offices remains possible while respecting health rules).
With regard to interest rates, as shown in the table above, they are on the decline again to attract prospects and increase the sluggish production of some banks. Customer quality records remain attractive for them even if the conditions of granting have tightened, in particular for non-residents, whose profile is usually reassuring in terms of risks. For further details, please consult our last publications : https://www.pretimmoconseils.com/en/cross-borderrates and in the meantime take care of yourself and your love ones.

14/10/2020

Nouveau site 2020 - New Website !
https://www.pretimmoconseils.com/en

24/09/2020

New loan granting policy
As expected, a new banking reasoning process is emerging. For many years now, productivity and development were the main drivers of a market share strategy.
Today, we see a desire to bring the notion of risk protection back to the fore. This positioning, linked to the lack of awareness of the impact of the Covid crisis, has the effect of creating a revolution in the approach to loan applications: risk becomes the central point of the reasoning before the assessment of the GNP potential of customer long-term relationships.
The combination of this phenomenon with the latest directives from the HCSF (French High Council for Financial Stability) as well as the debt recommendations of the Banque de France regarding households have led banks to drastically modify their policies.
As a result, all potential buyers can be concerned by loan refusals ! For first-time purchasers, the lack of contribution is penalizing with requested levels difficult to achieve sometimes. A for investors, they are often opposed to their debt ratio exceeding 33% in view of new “real” calculation techniques (full integration of the loan charge and inclusion of the rent at 70%) in contrast with the “differential” method (rental income up to 70% less charge = deferral amount) previously in force.
We hope that the scope and impact of these measures on economic activities will make the government authorities react to encourage banks to support buyers. Otherwise, the real estate market will still be active, but the weakest link in the property chain will be access to mortgages which is critical throughout the process. According to many observers, professionals should now expect to face project failures as the refusal rate increases very significantly.

Therefore, it is crucial to require the services of a loan mortgage expert specialized in cross-border brokerage to optimize your chances of success. For more information, please contact us at [email protected]

24/09/2020

Rate’s updating on Sept. 2020
We observe a relative stability of rates (Euro and Chf) in September, with a slight decline for some credit institutions wishing to maintain activity.
Should you need to learn more about banks’ prevailing policies, our rate’s grid regularly updated will help you as well David Ducard’s Editorial on our website. If you would like a free personalized simulation to determine your financial capabilities, contact us by email to take your first appointment at [email protected].

15/07/2020

Post-Covid bank intervention Policy

The Covid-19 never stops spreading and with this pandemic looms an economic and social crisis. What about the adaptation of banking policy on the Swiss-French border area for currency loans ? Although their leaders show their continued determination to grant loans, all banks have revised their intervention policy to protect themselves from the risk. From now on, a strict application of the debt guidelines and the length of the redemption period is displayed. The refusal rate is increasing.

Changes in the banks' intervention policy have an impact on young first-time buyers and borrowers with a limited contribution. We are currently seeing in some cases an audit of the balance sheet position of employers as well as an exclusion of some targeted professions.

It is therefore important to require the services of a loan mortgage expert to optimize your chances of success. For this purpose, we are available to welcome you in our offices under regulatory health conditions or schedule a phone meeting. For information :
• Please visit our new website :
https://www.pretimmoconseils.com/en
• Contact us to fix an appointment at :
[email protected]