Your future home,
well financed.
Purchase of primary or secondary residence or rental investment. We support you every step of the way, from compromise to handing over the keys, with competitive rates and a dedicated advisor.
- Up to 100% of the price of the property
- Response in principle within 48 hours
- No administrative fees
- PTZ accumulation possible
Indicative rates as of 06/25/2025, excluding borrower insurance, subject to study of the file.
Whatever
your real estate project.
We finance all types of real estate acquisitions, with support adapted to each buyer profile.
Main Residence
Individual house, apartment, VEFA or building land. Up to 100% of the price of the property, cumulative PTZ for first-time buyers.
- PTZ accumulation up to 40% of the amount
- Without possible contribution (profiles retained)
- Mortgage guarantee or deposit
Secondary Residence
Holiday home, pied-à-terre or in the countryside. Financing up to 80% of the value of the property with your main residence as guarantee.
- Minimum contribution of 20%
- Mortgage guarantee of the property
- Duration up to 20 years
Rental Investment
Purchase for bare or furnished rental, LMNP, Pinel or Denormandie. The expected rents are included in the analysis of the file.
- Rent taken into account (70% of the amount)
- Compatible with tax systems (Pinel, LMNP)
- Multi-asset assembly possible
Estimate your
monthly payment in real time.
Provide information about your project and obtain an immediate estimate of your financing, insurance included or not.
Long-term support.
Buying real estate is the project of a lifetime. We assign you a dedicated advisor, from the simulation to the notarial deed.
A single contact from the first appointment until the keys are handed over. Reachable by telephone, chat or videoconference.
No opening or management fees. The APR displayed includes all the real costs of the credit, excluding notary fees.
Our team analyzes your file and gives you an agreement in principle in less than 48 working hours after receipt of the documents.
Resell or close your loan at any time. We do not receive any prepayment compensation (IRA).
Once a year, increase or reduce your monthly payment by up to 30% without fees or proof.
Protect your
family and your property.
Borrower insurance is mandatory for any real estate loan. We offer you competitive coverage, which can be canceled at any time.
Combine the PTZ with your loan
The Zero Rate Loan (PTZ) is a regulated interest-free loan, granted under means conditions for the purchase of a first main residence. credia-financial integrates the PTZ into the overall financing plan, up to 40% of the price of the property depending on the geographical area.
“We believe that your advisor must be at your side every step of the way — from simulation to handing over the keys. This has been our commitment since 1987.”
— Real estate financing department,From simulation
to handing over the keys.
We support you at every stage of the real estate purchasing journey, with controlled deadlines and total transparency.
Simulation & pre-agreement
Simulate online, share your income and your project. credia-financial issues you a certificate of borrowing capacity to present to real estate agents. No commitment on your part.
Assembly of the file
Submit your documents online: identity, income, sales agreement, diagnostics. Your advisor checks the file and returns to you within 48 hours with an agreement in principle.
Loan offer and legal deadline
The loan offer is sent to you electronically. You have a fixed legal period of 10 calendar days to accept it. No signature before this deadline.
Signing and delivery of keys
You will transfer the funds directly to the notary on the day of signing the authentic deed. You leave with the keys. Your first refund occurs 30 days later.
Our current real estate rates.
Updated regularly. The final rates depend on your profile, your contribution and the duration chosen.
| Duration | Fixed rate | Rate with direct debit | Capped variable rate 1 |
|---|---|---|---|
| 10 years | 3,20 % | 3,10 % | 2,85 % |
| 15 years | 3,40 % | 3,25 % | 3,05 % |
| 20 years | 3,55 % | 3,40 % | 3,18 % |
| 25 years old | 3,70 % | 3,55 % | 3,30 % |
Indicative annual nominal rates, excluding compulsory borrower insurance. Direct debit rates apply when paying your income to Us. Variable rates capped at ±1 point. Updated 06/25/2026.
Life projects
financed with confidence.
“Our advisor was there every step of the way. She put together the file in 5 days, obtained approval in 48 hours. We were able to sign the deed without stress. The best banking experience of our lives. »
“Purchase of a rental apartment in Lyon. credia-financial took into account 70% of the forecast rents in my file, which no other bank had agreed to do. The rate was also the best on the market. »
“First purchase, 28 years old, single. credia-financial has set up a file with PTZ + principal loan. Very reasonable final monthly payment. Without this assembly I would not have been able to buy before 35 years old. »
Your questions
about the real estate loan.
A dedicated advisor is available by phone, chat or videoconference 6 days a week.
What minimum intake is required?
As a general rule, banks recommend a deposit covering at least notary fees (7 to 8% of the price in old properties, 2 to 3% in new properties). credia-financial can, depending on your profile (stable income, permanent contract, solid file), finance up to 100% of the price of the property for first-time buyers. Your advisor studies each situation individually.
What is the maximum debt rate accepted?
The High Financial Stability Council (HCSF) sets the limit at 35% of your net income (borrower insurance included). credia-financial strictly applies this rule. For rental investments, the rents received are included in the calculation at 70%, which can significantly improve your overall debt ratio.
Can I transfer my loan if I sell to buy back?
Yes, under certain conditions. Loan portability allows you to maintain the rate and conditions of your current loan if you sell your property to buy another one. This can be very beneficial if your current rate is lower than market rates. Your credia-financial advisor will study the feasibility of this option with you.
Can I choose insurance other than that offered by credia-financial?
Absolutely. Since the Lagarde law (2010) and the Lemoine law (2022), you have the right to freely choose your borrower insurance from any insurer, with guarantees equivalent to those required by credia-financial. You can also change insurance at any time during the term of the loan, free of charge.
How long does it take to get a loan offer?
After receipt of your complete file (identity documents, income, sales agreement), credia-financial delivers an agreement in principle within 48 working hours and the formal loan offer within 7 to 10 working days. The law then provides for an irreducible reflection period of 10 calendar days before you can accept the offer.
Is the property loan available for non-French tax residents?
Yes, under conditions. credia-financial finances non-residents for the purchase of a property located in France, subject to income domiciled in an EU or OECD country. Specific conditions apply (minimum deposit of 20%, compulsory mortgage guarantee). Contact our service dedicated to expatriates for a personalized study.
Ready to take the
step?
Agreement in principle 48 hours · Dedicated advisor · Competitive rates · €0 administration fees