Those darlings who get the lowest rates
The favorite profiles of banks remain executives and other high-level socio-professional categories. They are in the 35 – 40 age group , and have an intake of at least 20%. In addition, it is not necessary to bring more than 30% of the project to obtain the best conditions.
Jerome Robin, president and founder of Lite lender, recalls the principle of competition: “the banks engage in strong competition to capture this clientele with high potential. We thus manage to negotiate exceptional conditions for these borrowers who therefore also have an interest in going through a broker, because it is not always in their own bank that they will have the best offer ”.
However, the most attractive rates primarily benefit solid, first-time or second-time buyers profiles. “Even if rates are historically low in a context of stable prices or slightly decreasing, it is ultimately the good profiles who benefit the most because, given the economic context, the most fragile borrowers remain wait-and-see and postpone their project. ‘purchase’.
Credit repurchases are pampered
This 3rd edition of the darling barometer of Lite lender banks takes into account the renegotiation of existing home loans. Today it is possible to have your real estate debt repurchased by a competing bank, which will offer to pay it off cheaper .
If banks like these operations – because interest goes into their coffers – they are also very interested in the potential of loyal customers. Remember that today banks take little risk in granting credit, because the rates are exceptionally low, there is almost no chance that these new customers will infidelity thereafter.
These privileged darlings who borrow without contribution
Apart from the repurchase of credit, it is always possible to obtain a mortgage without contribution . Funding will therefore cover the entire project, including notary fees. However, banks are very selective, as explained by Sandrine Allonier, responsible for bank relations at Lite lender. “Some banks, even if they are rare, still accept to lend without contribution and even finance the notary fees. On the other hand, they wish to set up a long-term relationship with these customers, with domiciliation of income and a prospect of future savings.
List of favorites
Those who got the best credit
And the winer is: this Marseille couple in the 32-35 age group, with 2 children, with monthly income of $ 4,500. Their property debt amounted to $ 175,000, which he reimbursed at 4.1% . The local agency renegotiated the rate to 2.45% , without contribution. Note that when part of the capital has already been repaid, it is simpler to buy back credit without contribution.
Another example in Avignon, where this couple in their forties with 2 children presented a property debt of $ 216,000. High socio-professional category with $ 7,500 per month, renegotiation allowed them to obtain 2.65% .
Those who borrowed from the lowest
The record for all categories in the 3rd quarter of 2014 concerns this Lyon couple, first-time buyers. Executives without children, their joint monthly income amounts to $ 4,700. They obtained funding of $ 202,000 , without personal contribution, to buy their main residence, at the rate of 2.34% .
2nd place on the podium goes to this 33-year-old Nantes couple, also first-time buyers, also from a high socio-professional category, who too buy their main residence. With incomes of $ 4,500 per month between them, they were able to provide capital of $ 31,500. Total funding was $ 210,000 , at a nominal rate of 2.40% .
The 3rd place of the podium in the main residence category, goes to this Toulon couple. 2 second-time senior managers, 37 years old, with a child and having a contribution of $ 90,000. They cumulate between them revenues of $ 8,900, and obtained a rate of 2.45% , to finance $ 350,000 .
These young darlings who borrowed without contribution
The previous Lite lender barometer showed that the darlings of banks are young. It is still relevant today, like this 24 and 29 year old couple with a child living in Grenoble. First-time buyers with no contribution, accumulating revenues of $ 2,850 between them, they obtained a rate of 2.49% to finance $ 109,000 . They are the youngest on the list, and they take 7th place in the ranking.
These singles and divorced pampered by the banks
Banks prefer couples because they have plans. But people living alone still manage to fare well. Thus, this divorced 52-year-old living in Toulouse, obtained a rate of 2.58% to finance $ 168,500 intended for a main residence. His income is only $ 1,600 per month, but he received a contribution of $ 65,000.
Right behind him comes this single from Capital lender without children. With monthly income of $ 1,500 and a contribution of $ 20,000, he obtained 2.65% to finance $ 100,000 , again for a main residence.
The least pampered among the darlings
To truly measure the opportunities of the current market, it is advisable to look, certainly the first of the classification, but also the last. And the last one is a single from Nice, with an income of $ 1,932, with a contribution of $ 10,000. The Lite lender brokers obtained a rate of 2.80% for him, to finance $ 122,850 for his main residence.