Boursorama was the first bank to offer its customers real estate loans online as soon as 2010. Today, the outstanding volume of housing loans exceeded 4,5 billion and more than 20,000 French people are interested in this offer every month through the simulator and the application of funding available to all on the site of Boursorama. Boursorama Bank has continued to simplify the subscription of a housing loan online while offering rates among the best in the market known to the borrower immediately on its first simulation. Customers really like this course 100 % online, 100% mobile, as well as the support of expert advisors in real estate credit.
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Rates among the lowest in the market and a response of principle, any of the following[1] and simply !
As soon as the simulation of the project of real estate finance, Boursorama proposes to instantly the best rate that will be applied to the loan and the amount of the monthly payment that the customer must pay.
As soon as its funding request, the client immediately gets a response of principle1 on an amount, a rate, among the lowest in the market, which is displayed directly without the special condition, and a duration. May 17, 2017, the rate offered by Boursorama is 1.25 %[2] over 15 years. (See example of funding at the end of press release)
Beyond the time savings achieved, the customer also benefits, real-time, several proposals custom[3] modulating the amount and the duration of his loan so that he can decide what is best for him.
Without charge and without any requirement of domicile income, or capital contribution minimum staff (excluding notary fees and guarantee Housing Credit), the credit real estate Boursorama is both simpler and less expensive for the customer.
A real estate loan zero paper, 100 % online, the simulation in the acceptance of the application
Thanks to this course of underwriting simplified and dematerialized, the client Boursorama, once his / her request and then signed electronically, download or photograph supporting documents directly from your smartphone, tablet or computer. Today, more than 90 % of the clients of Boursorama who don’t use paper during the course of the underwriting of their loan.
Expert advisors available by phone for personalized assistance
The realization of a real estate project is an important moment for all. Consultants specializing in real estate are available, by phone or by mail, 6 days out of 7, to accompany the client throughout the course of the subscription, the choice of financing the installation of its on-line file, up to the disbursement.
The profile of borrowers : young families acquire their first property
In less than 10 years, Boursorama has more than 4.5 billion euros of outstanding credits in real estate, and has funded more than 8000 households in 2016.
Connected and mobile, these borrowers have between 30 and 50 years, 76 % of them. These are often young parents, who, in majority, are buying their first home, as well in the Ile de France province. The average amount that they have borrowed is from 197.000 [4].
For Mary’s Horse, general Director of Boursorama : “100 % in line with the expectations of its clients in matters of real estate credit, Boursorama’s proof that finance the purchase of their property can be simple ! The best rate, displayed from the beginning a course online and the support of expert consultants for personalized guidance, greatly reduce the time and procedures for the constitution of the folders.”
THE CREDIT real ESTATE @ BOURSORAMA IS :
§ ATTRACTIVE
– Rates among the best in the market, and up to 25 years
– 0 fee
– 0 of compensation for early repayment[5]
§ SIMPLE
– Underwriting 100 % online of credit, including in mobility, including the Sunday, including the night
– Membership 100% online insurance borrower
§ IMMEDIATE
– Rate and monthly payment known by a few seconds from the simulation of the project1
– Response principle immediate as soon as the funding request made online
§ TRANSPARENT
– No obligation direct debit income
– The rates presented to the customer directly, the best possible, they are the same of simulation to the offer of ready1
§ ACCOMPANIED
– Personalized suggestions, optimized and automated to offer the customer alternatives to the initial request
– Alerts and follow-up of the folder available online, at any time up to the release of funds
– And in case of need of specialist advisers, and to listen to a personalized
Representative example of credit offers real estate :
Ready classic Boursorama Bank of 200,000 over 15 years (180 monthly payments) : APR, annual fixed-1.69 % (guarantee fee included) corresponds to one credit, depreciable (rate payer fixed 1.25 %), for the acquisition of the principal residence with the opening of a bank account, Boursorama, for an investor under the age of 31 years. It includes death insurance disability disability mandatory (computed for a borrower with less than 31 years). The monthly payment (insurance included) spring 1 242,44 . The total cost of credit is 23 639,20 (interest and insurance included). The total amount due (principal + interest + insurance required) is 223 639,20 .
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