Broking in real loan

People, or companies, generally called Brokers in Ready real estate, form the link between the lender and the borrower. They connect, via privileged agreements, the future purchasers of property (real estate), and the institutions of the medium Bancaire. Because of their important volume of business, they can exert an appreciable role in the negotiation of loan, in particular on the parameters of the Taux, therefore Remboursement. They thus make it possible to make realize important savings and can bring to the Banques a new customer.

Thus everyone finds an interest there. Moreover certain companies can propose loan adapted to the Financement of products of desfiscalisation in parallel, allowing all the more to increase the savings made, by setting up the financing best adapted to the tax investment carried out by the borrower (of differed from damping to the effort of treasury while passing by the packaged financing). They will be all the more effective in the negotiations of the times and the proposal of the final offer.

In France, there exist several tens of companies whose activity is only dedicated to the Courtage in Prêt real estate, but rare are those which have a national dimension. In full growth with the current market, and lowers it Taux of interests (in particular the OAT comparable Obligation of the Treasury, which did not cease dropping since nearly 10 years) these companies are literally aspired upwards. One can quote in the order of their importance, some of the most known specialists on the French market:

CAFPI (the Council with the Accession and the Financing in Real Loan).
Better Taux.com (broker on Internet)
ACE
Empruntis (broker rather present on Internet)

They do all same work, but do not have the same organization and work method.

Different concepts of work in the brokers

The trade of the Courtier could summarize this manner: to compare the offers of the real estate credits, to negotiate with the banking mediums in order to obtain the best conditions for their customers.

However one can distinguish two great types of organization made up of alternatives. These differences come primarily from their development and thus from their work method.

The first category, with the organic and durable development, generates a physical network of agency where one can meet advisers. The latter will receive, analyze and deal with the customer in order to direct it towards the best personalized proposal. These financial agents thus really will play their part of intermediary between the praetor and the borrower, i.e. between the Banque and the future owner. This is why a mandate is established at the time of the first contact between their organization of financing and the private individual. This process thus allows a confidentiality of information, which will be transmitted through a finalized study, to the partner more adapted to the profile of the customers. For this work, they will not perceive fees, substituent thus at the expenses of file of the Banque, that at the time of the releasing of the funds. The representatives of this know-how are (for most important): CAFPI, ACE…

The actors of the other category are rather present on Internet, they are prescribers who propose on their site the best rate (and possibly of other services) with their customers. The customers are thus directly directed towards the banks likely to be able to obtain the adapted financing. Once the bank determined by the customer, this last will have to constitute in a physical way its file near that Ci. This work method makes it possible in theory to the customer to obtain conditions privileged near the banks, but does not guarantee the confidentiality of its data. This comparison makes it possible to the broker to perceive a percentage, which will be directly transferred by the Banque retained by the customer if however the file arrives in the long term. Among these companies, one can quote (for most known): Better rate, Empruntis…

It is to the customer to choose according to his project, the service best adapted to its needs.

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