Buy, build or renovate your home with a long-term loan and a rate secured before you sign.
Amounts from €50,000 to €1,200,000, repayable over 5 to 30 years, at a fixed rate from 3.20% APR. The total cost of the borrowing, insurance included, is set out in the offer you receive.
Choose a fixed rate for the whole term, or a capped rate that may fall but can never rise above the ceiling you signed.
Spread the repayment over 5 to 30 years to keep the monthly instalment in line with your budget.
Purchase costs, agency fees and works can be included in the financed amount, subject to conditions.
After three years, ask for your rate to be reviewed or your term to be adjusted, at no cost and with no penalty.
| Purchase | Construction | Renovation |
|---|---|---|
| First or second home | Building land | Energy renovation |
| Buy-out of current loans | Builder contract | Extension and conversion |
| Shared ownership | Self-build | Roof, heating and insulation |
A contribution of at least 10% of the purchase price, made up of savings or a family gift, unless a 100% financing scheme applies.
A stable income, with a debt ratio — this loan included — that stays below 35% of your net income.
A property used as a main residence or for rental, appraised by an independent valuer before the funds are released.
Insurance covering death and disability is offered with the loan; you remain free to choose an equivalent policy from another insurer.
Send your application and receive a financing plan within 48 hours. A loan is a commitment and must be repaid: check your repayment capacity before signing.
