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Kakao Bank cartonne dans le crédit à la consommation Issue d’un groupe dans la messagerie instantanée, Kakao Bank a été lancée en Corée le 27 juillet dernier. Entièrement en ligne, l'établissement a atomisé ses 19 concurrents du crédit à la consommation. En deux semaines, l'établissement a en effet distribué 401 M€ de crédits à la consommation, soit un quart du marché. En un temps record, plus de 2 millions de clients ont été conquis. Ce succès spectaculaire est basé sur des taux très agressifs pour les dépôts et les crédits. En 2015, McKinsey prévoyait une chute d’activité comprise en 20 et 60% de la banque de détail à horizon 2025, en raison de la percée des FinTech.

Looking for a French mortgage? Get a decision in principle and obtain the best rates for your French property!

prêt immobilier expat

Why is it more difficult to get a mortgage in France for a non-resident?

  • In most of the countries, banks are given a decision in principle before you start looking for a property. Whereas in France banks will never give you this agreement principle before signing the preliminary sales agreement (in which a resolutive condition can be inserted for the mortgage).
  • The sales process takes longer for international clients: up to 60 days to obtain a mortgage in France and up to 90 days between the preliminary sales agreement and the final sale.
  • French banks are often reluctant to finance non-resident clients because of the specificities of your profile: local contracts written in a foreign language, specific tax system, the fact that you do not domiciled your salary and your savings like a normal French resident would do …
Achat résidence principale en France

How to finance your project in France?

 

Contact French Mortgage Expert by Carte Financement, your French mortgage broker, to benefit from the expertise of our international advisors dedicated to international clients who want to invest in France.

→ Saving you time and money with competitive rate (sometimes as good as for resident client!).

→ Financing clients from a large part of the world (US, Dubai, Hong-Kong, Africa, UK, Australia…etc)

→ Obtaining a high loan to value mortgage (up to 90%)

→ Maximizing the chance of success of your project thanks to our expertise on how to present files to the banks

→ Providing you a bespoke support from start to finish

Expatriés banque en France

What kind of investments do we finance?

 

  • Residential mortgage: permanent residence, second home, apartments, ski property, castle…
  • Buy to let & leaseback: residential, offices, shops…
  • Alternative financial request such as: remortgage, equity release, post-financing…

 

→ No UPFRONT fees, pre-qualification completely free of charge!

Mortgage for a French Property: study case

Interest only mortgage of 1M euros over a period of 14 years (variable rate) and no side investment required for a British citizen partner in a firm in London. The property value was 1.68M€ and was located in Provence.

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Who are we?

FRENCH MORTGAGE EXPERT by Carte Financement is a mortgage broker with a team of bilingual professionals (English, Chinese, Arabic, Portuguese…) focused on helping international clients and French expatriates looking to buy in France.

Our focus is to obtain the best rate and to provide the highest service to ensure that the process of taking out a mortgage in France is as hassle free as possible.

What services do we offer to you for your French mortgage?

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