Boursorama Banque mortgage loan: An offer tailored to your needs

By Hervé , on September 27, 2023 , updated on September 27, 2023 - 4 minutes to read

Mortgages are an essential means of helping individuals to realise their home-building projects. construction, acquisition or renovation of real estate. Boursorama Banque is an online bank offering advantageous, tailor-made financing solutions. In this article, you'll find out more about the home loan offered by Boursorama Banque.

The different mortgage offers

Boursorama Banque offers its customers a number of formulas for tailored to every borrower profile :

  • Buying a new or existing property
  • Financing the construction of a single-family home
  • Renovating or improving your home
  • Buying a mortgage to benefit from a more advantageous rate or a shorter repayment period

Boursorama Banque can also help you if you wish to investing in rental property.

The fixed-rate mortgage: a secure choice

Unlike other financial institutions, which sometimes offer variable-rate or mixed-rate loans, Boursorama Banque focuses exclusively on variable-rate loans. fixed-rate mortgages. This type of loan offers undeniable advantages:

  • Security The interest rate remains the same throughout the term of the loan, so you know in advance the total cost and monthly repayments of your loan;
  • Transparency no unpleasant surprises due to unpredictable changes in interest rates;
  • Anticipate and control your budget to better manage your repayments.
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Conditions required to obtain a mortgage with Boursorama Banque

To qualify for a mortgage, you need to meet a number of conditions. Here are Boursorama Banque's main requirements for granting financing:

  1. Be of legal age and capable of taking out a loan;
  2. Tax residence in France;
  3. Have a bank account with Boursorama Banque, or agree to open one when taking out a mortgage;
  4. Make a personal contribution of at least 10% of the value of the property or work financed (this contribution can be made up of personal savings, a subsidized loan such as the PTZ or ecoPTZ, or a family donation);
  5. Have a solid, stable financial situation and a debt ratio not exceeding the 33% recommended by banks.

How to apply for a mortgage online

Submitting your mortgage application to Boursorama Banque takes just a few simple steps:

  1. Make an online simulation Thanks to an automated tool available on the bank's website, you can quickly calculate your borrowing capacity, estimate your monthly payments and check the eligibility of your project with Boursorama Banque;
  2. Feasibility study and dossier preparation

  3. Request a feasibility study on the Boursorama Banque website. You will receive a reply within 48 hours, depending on the information provided;
  4. In the event of a positive response, it is necessary to send supporting documents so that the bank can finalize the proposed credit offer.
  5. Processing the application and signing the loan offer

  6. Receipt and analysis of the complete application by Boursorama Banque;
  7. Sending of a loan offer once the application has been accepted;
  8. The loan offer is signed electronically via the Boursorama Banque website.
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Throughout this process, a dedicated advisor will be on hand to answer your questions and support you every step of the way.

Loan insurance at Boursorama Banque

L'Loan insurance is a guarantee required by banks to grant a mortgage. It covers the borrower in the event of an accident in life (death, disability, incapacity, etc.) that would make it difficult to repay the loan. Boursorama Banque offers loan insurance policy taken out with CNP Assurancesbut also accepts individual delegated insurance contracts.

If you have any further questions about mortgages with Boursorama Banque, or would like to put together a financing application, please do not hesitate to contact one of our expert advisers, who will be happy to guide you and provide you with all the information you need to make your real estate project a success.

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