Menu Close
The bank for a changing world
0 Résultat

A tailored mortgage plan

By trusting BGL BNP Paribas’ real estate experts, you’ll give yourself the best chance to make your dreams come true.

Our specialists are there to help you find the perfect structure for your loan, in line with your plans as well as your personal and financial situation.

  • Complete range of products offering multiple combinations,
  • Fixed, variable or adjustable interest rates:

    • A fixed rate guarantees identical monthly payments over the term of the loan,
    • A variable rate allows you to take advantage of market fluctuations and provides maximum flexibility,
    • An adjustable fixed rate combines security and flexibility.
  • Choice of repayment schedule: up to 30 years,
  • Linear repayment (principal + interest) of the loan or bridge loan while you wait to sell your existing home,
  • Possibility of taking out a green loan under the KlimaBank option.

The SmartHome loan makes it easier to get a foot on the property ladder

What’s the advantage? The BGL BNP Paribas SmartHome loan helps you access the property market while adapting to your current situation and changing needs.

How does it work? The loan amount granted is divided into two parts: 

  • A standard portion repaid through regular monthly payments of the principal and interest,
  • A bullet portion under which only interest is repaid over a predetermined period. This represents a maximum of 25% of the property’s value over a maximum of 10 years.

A loan that adapts to you : 

  • You choose how the principal is divided (standard portion and bullet portion),
  • You tell us how long you wish to retain ownership of the property.

Your monthly expenses can thus be adapted to your lifestyle and you have considerable flexibility for early repayment.

Schwäbisch Hall home savings scheme and its tax benefits

What’s the advantage? A cross between a loan and a home savings scheme, the Schwäbisch Hall option helps you finance your new home while offering tax benefits.

How does it work?
 

  1. A home savings scheme is a savings plan that allows you to make tax-deductible deposits* where:
    • You hold the plan for at least 10 years,
    • The savings plan is associated with your primary residence (for a purchase, renovation, new build, mortgage payments and more).
  2. Now, you can combine a home savings scheme with a mortgage loan. Your savings under the plan will go to the mortgage on your primary residence.

    Your savings under the plan will go towards repaying the mortgage on your primary residence. This means you can save for the future while financing your home today. The cost of this versus a conventional solution should be assessed on a case-by-case basis. Contact your advisor to learn more!

Offer subject to conditions and approval of your application by the bank. Tax deductibility varies based on the personal situation of each client and is subject to change.

A loan repayment plan tailored to your life

What’s the advantage? Do you have an outstanding student loan or do you expect your financial situation to change in the coming years? With its personalised repayment plan, this loan enables you to maintain your current lifestyle over the first five years.

How does it work?

  • Over the first five years, regular payments cover at least the interest owing on the loan and a portion of the principal agreed with your advisor,
  • After five years, the loan becomes a standard contract,
  • Monthly repayments until the end of the contract include the repayment of the principal and the payment of interest.

Offer subject to conditions and approval of your application by the bank.

In practice

Emma and Arthur want to buy their first apartment. Before starting their property search, they decide to  asses their borrowing capacity online. During their search, they use the mortgage simulator to calculate their repayments. Having found their dream home, they contact their advisor to get a tailored solution.

Did you know? No fees for under 30s

Are you under 30? We’ll reimburse you for the notary fees (minutes) incurred for the mortgage agreement! Simply send the notary’s detailed invoice to your advisor after the deed has been completed. 

Don’t hesitate to contact your advisor or visit one of our branches to find out more.

Frequently asked questions about mortgages

  • How can I take out a mortgage?

    Make an appointment with your bank advisor to assess your financial position. Your income, savings and personal situation will determine your borrowing capacity.

  • What’s the waiting period for a response to my mortgage application?

    The response time depends on the urgency and complexity of your project. We’ll do our very best to stick to your schedule.

  • Can I repay my loan early or repay more than the set monthly instalment without penalties?

    The loan can be repaid early at any time. Fees apply under cerain conditions. If you’ve chosen a fixed rate loan, you may be required to pay break fees (early repayment penalties). The variable rate provides greater repayment flexibility.

  • We’re not married: Can we take out a loan together?

    Yes, you can take out a mortgage together without being married.

  • What assistance can I receive?

    The state grants capital or interest assistance to adult individuals who take out a loan for the purpose of purchasing, renovating, converting or building. This can be for an apartment, land or a house. Certain conditions must be met in order to receive this assistance, in particular relating to income and the property’s surface area.

    The state has also set up green loan options. These grant access to preferential loan terms for home energy retrofits.

  • What tax deductions am I entitled to?

    Debit interest on mortgages is tax deductible. Various caps are applied depending on the purpose of the loan:

    • Rental investment
    • Primary residence,
    • Secondary residence.

    Tax deductibility varies based on the personal situation of each client and is subject to change.

  • At what age can I start a home savings plan ?

    You must be 18 or over to benefit from a home savings scheme. Then, in terms of tax deductions, households with one member aged 40 or younger will see their tax deduction limit doubled.

Documents to download ()