Financement | Laurus Conseil

Amortizable Loan: Finances property purchase with monthly payments of principal and interest.
Interest-Only Loan: Only interest is paid monthly, with the principal repaid in full at the end of the term.
Reverse Mortgage: For individuals over 70, borrowing against property value with repayment upon succession.
Bridge Loan: Short-term loan to purchase a new property before selling the current one.

Borrower Insurance: Guarantees repayment of the remaining capital or its installments to the lending institution in case of certain events such as death, disability, incapacity, or loss of employment of the insured.

Social Home Loan: For low-income individuals to purchase or renovate a primary residence.
Conventional Loan: Available without income restrictions for primary residence projects, with capped interest rates.
Zero-Interest Loan (PTZ): Supplementary loan with no interest for buying or building a home.
Action Housing Loan: Offers flexible terms for purchasing or building a primary residence.

Leasing: Financing for equipment or property with rental and purchase options.
Interest-Only Professional Loan: Fixed-rate loan with only interest payments until the principal is due in full at maturity.

Unrestricted Personal Loan: The amount can be freely used to purchase everyday consumer goods, finance renovations, or have cash available. The amount ranges from €200 to €75,000, making it less suitable for real estate investments unless the individual has sufficient additional resources.
Restricted Personal Loan: Offering a minimum and maximum amount identical to that of an unsecured personal loan, this type of loan must be allocated for the purchase of a specific item or service (such as buying a vehicle, consumer goods, or financing a trip).
Revolving Credit: Similar to an unrestricted personal loan, with the difference that as repayments are made, the available amount for use is replenished indefinitely, with the contract renewed annually. Interest is calculated on the amount used rather than the authorized maximum amount.

Debt Restructuring: Debt restructuring involves consolidating all or part of loans (real estate, consumer, private, business) into a single loan. This operation typically increases the overall cost because while monthly payments may decrease, the loan duration is extended, thereby increasing the total interest cost. It's a solution that should be used cautiously, but it helps reduce the debt-to-income ratio.

Financing