Financing is an important part in the process of buying real estate.

Causses Cévennes Immobilier will help you make a choice between the various formulas which are being offered on the market:
– The interest rates: fixed or flexible;
– The conditions of repayment: fixed or flexible terms of repayment;
– The conditions of life insurance, disability insurance and unemployment insurance;
– The guarantees: priority for the finance company, mortgaging and security of the mortgage;
– Commission on a mortgage and other financing charges;
– Conditions for pre–payment on a mortgage.

The total amount of mortgage costs, or the sum that you will have paid at the end of the term, depend on the factors mentioned above.

A lot of information on this subject can be found at the website of the Agence Nationale d'information sur le logement.

Causses Cévennes Immobilier advices you to be well–prepared when you consult your finance company. Be sure that you will have all necessary documents ready at hand. You will be asked to show the following: your most recent tax assessment, your salary documents, the provisional conveyance, a marriage certificate or partnership contract, your employment contract, statements of savings accounts, proof of your own money, alimony documents, a survey of current accounts (mortgage or consumer credit), bank statements.

A complete and precise application file concerning the mortgage will give evidence of your serious intentions and will be very much appreciated.