Financial aid for the purchase of real estate: assisted loans

To acquire a home, a large majority of us opt for home loans. This loan may be supplemented by one or more aids. Their obtaining depends on our place of residence, our resources or the composition of our home. Want to know more about the help available in the context of a mortgage? The comparator informs you!

In the same theme

  • Real estate credit
  • Real estate credit calculator
  • Teg taeg difference
  1. The zero interest loan
  2. The housing action loan
  3. The loan agreement
  4. Housing savings loan
  5. Other helpers
  6. Seek help from your family
  7. Access the property with the online comparator

The zero interest loan

interest loan

It is possible to take advantage of the loan at zero rates or PTZ when acquiring its first principal residence. The amount of the PTZ varies according to the income of the borrower but also the geographical area concerned by the purchase of the property. The zero-rate loan only Macbeth part of the housing, it is supplemented by a mortgage and sometimes a personal contribution.

To take advantage of the PTZ, the borrower must acquire a new or old property but with work.

The housing action loan

housing loan

The housing equity loan is reserved for employees of companies adhering to the CIL (Interprofessional Housing Committee). It can be granted for the purchase of a new or old home, however, the energy performance of housing must be good.
The loan concerns only the principal residence of the employee. It is between € 7,000 and € 25,000 depending on the geographical area but must not exceed 30% of the total amount of the acquisition.

The loan agreement

The loan agreement

The loan agreement is a home loan that Macbeth some or all of the project. It is granted by an organization that has signed an agreement with the State and is subject to means tests. The loan agreement can be supplemented by a help such as the PTZ, the loan housing action or the housing savings loan.

Housing savings loan

savings loan

The home savings loan is a loan granted when the home savings plan comes to an end. The loan offer must then be advantageous for the borrower who also receives a premium paid by the State.

Other helpers

In addition to the aids mentioned above, there are several assisted loans such as:

  • Loans for civil servants,
  • Loans offered by supplementary and mutual retirement pension schemes,
  • Loans granted by the family allowance funds which are intended for low-income households.

Seek help from your family

Seek help from your family

When you have a real estate project, you can also ask for help from family members. This approach is very practiced but must be done legally. Indeed, if a loan is granted between people of the same family, it is recommended to make an acknowledgment of debt with the tax office. So the loan will not be taken for a donation.

Access the property with the online comparator

Access the property with the online comparator

Want to become an owner? With you can compare independently the offers of mortgage loans but also take knowledge of the various existing help and see if you can benefit. Thus, you will enjoy the best conditions to realize your projects and acquire the house of your dreams.

Loans: what types there are and which are your characteristics

A loan banking is the operation through which the financial institution offers to the customer a certain cash amount, stipulated previously, through a contract with which the above-mentioned customer acquires the obligation of return the money in a time delimited. In a usual way, to the cash amount given by the bank, you add some interests that also is necessary to return, and that varies depending on the type of loan requested.

A loan banking, therefore, is a commitment that not owes take hastily and that in order take out him the best profitability requires of a prior knowledge of your characteristics. Know what loan types there are is basic in order request to our financial institution the one which better conforms to our needs.

What elements form a loan?

What elements form a loan?

Before differentiate the loan types that there are, is important to know the elements that the form for avoiding misapprehensions and confusions when requesting them.

  • Capital: cash amount requested to the bank.
  • Interest: the price that the customer pays to the company for having the capital lent.
  • Term: a period of time stipulated in the contract for return the principal more the interest.

Loan types

Loan types

Although is different loan types, for that matter, all can include within two major categories known as personal loans and mortgages.

The personal loans are those intended for finance needs specific to the customer at one point. As a general rule, the principal or amount economic requested in this type of loan is small. Within the personal loans, they are, for example, so-called consumption loans and loans of studies. Those ones of consumption use for finance consumer goods of character long-lasting as a car, for example. Whereas those ones of studies, as your name points out, are reasoned to cover the expenses of the registrations of the degrees, postgraduate and even university trips as the Erasmus.

In the simulator of loans of BBVA’s website, can see the personal loan types that offer the bank and check your conditions depending on the cash amount that wanted a request. BBVA offers until ten different types of this group of loans: a clear example of what was varied that can be.

The mortgages, on the other hand, are those intended for finance the purchase of a housing and, sometimes, the start-up of a business. Besides, involve cash amounts higher than those ones of the personal loans, the mortgages have a collateral for the bank. That is, if the customer does not give back the money of the loan, the bank can do sell the real estate mortgaged for compensating of the debt, and also can become the owner of the financed housing.

Besides the two mentioned types, the loans also differentiate depending on if have an endorsement or not. Have an endorsement when request a loan supposes a way of guarantee the discharge of responsibilities economic acquired. The avalista declares prepared to face to the commitments of the backed one, that is, to pay the capital lent more the interests in the event that the borrower not can. However, to be avalista is necessary to fulfill a series of characteristics, among others:

  • Being of legal age: this requirement can not fulfill in some cases very punctual and exceptional.
  • Have solvency: the avalista owes have some income higher than the obligations acquired with the bank for the applicant of the loan.
  • Income stable: as well as creditworthy, the person that guarantees has to have guaranteed your income as far as possible.
  • Have properties free to load: this requirement is especially important if mortgage, since the avalista be able to cover the loan conditions with your own housing.

Have an endorsement is always a sign reliable that increases a lot of the probabilities of that the bank approves the loan requested is of the type that is. Additionally fits remember that if the account holder does not pay the loan, the avalista owe pay the debt with your current and future goods.


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