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Real estate financing simulation
Estimate your real estate monthly payments
Becoming an owner cannot be improvised!
Finally, you have just made your decision and you have decided to take the plunge by becoming an owner. Congratulations!
To carry out your real estate project, you need to reason in a structured and coherent way and start asking yourself the right questions, in the right order.
What are the prices in the places where I want to live?
Knowing the prices of the real estate of the places where you want to live will allow you to guide your choice. Thanks to their in-depth knowledge of the market, My Home Toulouse real estate experts will be able to tell you the prices of the M2 in the municipalities and districts that interest you.
How much can I borrow?
The financing of your project is obviously an important point. How much can you borrow? What will be the monthly payment of your credit? On each of our real estate ads, you will access our simulator that will give you an estimate of your monthly payment that you can adjust according to the amount of your personal contribution. Remember that in general, the amount of your monthly credit payments should not exceed one third of your monthly income. Our simulator will also show you the estimated amount of notary fees(1), which are approximately 7% of the purchase price for an existing property. By becoming a homeowner, you will also pay new charges, such as property tax and condominium fees if you buy an apartment. Remember to integrate them into your budget so as not to have unpleasant surprises.
Can I benefit from loans to promote home ownership?
If you become the owner of your principal residence for the first time, check if you can benefit from the Social Accession Loan(2) and the Zero Rate Loan(3), granted on a means-tested basis. Use the PTZ simulator that will determine if you are eligible for this regulated loan.
Ask for your funding and get a principled answer
Are you searching or have you just found your future home? Now you have to think about financing, which is an essential step in your project. Apply online on our website and we will quickly give you a principled answer(4) on the feasibility of your project.
Ask for your funding and get a principled answer
Are you searching or have you just found your future home? Now you have to think about financing, which is an essential step in your project. Apply online on our website and we will quickly give you a principled answer(4) on the feasibility of your project.
Find the notary who will handle the real estate transaction
The purchase of your property is formalized by an authentic deed made by a notary who will then issue you your title deed. If you do not know a notary to take care of the real estate transaction, access the directory of notaries of France listing all the notarial offices in France.
With these tips, you now have a lot of cards in hand to carry out your real estate project. All that remains is to find the accommodation of your dreams! The real estate experts at My Home Toulouse are here to help you find the ideal property.
With these tips, you now have a lot of cards in hand to carry out your real estate project. All that remains is to find the accommodation of your dreams! The real estate experts at My Home Toulouse are here to help you find the ideal property.
(1) "These are the real estate acquisition costs mainly composed of taxes collected by the notary on behalf of the State, still called "notary fees" in everyday language"
(2) PAS: Loan for Social Accession granted on a means-tested basis.
(3) PTZ: Zero-interest loan. Regulated loan assisted by the State granted under conditions, in particular related to the resources of the borrower, the composition of the household, the location and the type of housing.
(4) Subject to conditions and subject to the complete study of your file. A response in principle does not equate to a loan agreement. The borrower has a reflection period of ten days, the sale is subject to obtaining the loan and if it is not obtained, the seller must repay the sums paid. No payment of any kind whatsoever may be required from an individual before obtaining one or more loans of money. Subject to acceptance by the lending institution.
(2) PAS: Loan for Social Accession granted on a means-tested basis.
(3) PTZ: Zero-interest loan. Regulated loan assisted by the State granted under conditions, in particular related to the resources of the borrower, the composition of the household, the location and the type of housing.
(4) Subject to conditions and subject to the complete study of your file. A response in principle does not equate to a loan agreement. The borrower has a reflection period of ten days, the sale is subject to obtaining the loan and if it is not obtained, the seller must repay the sums paid. No payment of any kind whatsoever may be required from an individual before obtaining one or more loans of money. Subject to acceptance by the lending institution.
Simulate the financing of your real estate project and estimate your monthly repayment payments!
The telephone appointment
You've just done your simulation and you have good news. Now you have to prepare your phone appointment with your advisor to put all the chances on your side to have your mortgage.
