{"id":10001,"date":"2021-05-31T14:55:56","date_gmt":"2021-05-31T12:55:56","guid":{"rendered":"https:\/\/www.stoneandwood.fr\/?p=10001"},"modified":"2022-04-03T15:41:13","modified_gmt":"2022-04-03T13:41:13","slug":"project-financing","status":"publish","type":"post","link":"https:\/\/hektor.stoneandwood.fr\/en\/project-financing\/","title":{"rendered":"Financing your real estate project &#8211; expert advice"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10001\" class=\"elementor elementor-10001 elementor-10000\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-411760f elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"411760f\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-02b63d5\" data-id=\"02b63d5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f4c631 elementor-widget elementor-widget-post-info\" data-id=\"8f4c631\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-db96b12 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/hektor.stoneandwood.fr\/en\/2021\/05\/31\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t31\/05\/2021\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b21109e elementor-widget elementor-widget-text-editor\" data-id=\"b21109e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>Financing your\u00a0project &#8211; expert advice<\/b><strong style=\"font-size: 43px;\">\u00a0<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d69b7 elementor-widget elementor-widget-text-editor\" data-id=\"18d69b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You have found your dream home ? Mr. Bruno KOVAC, mortgage advisor for <a href=\"https:\/\/ymanci.fr\/credit-immobilier\/courtier-annecy\" target=\"_blank\" rel=\"noopener\">YMANCI<\/a> in Annecy, gives some advice to finance your real estate project.<\/p><p>\u00a0<\/p><p><strong>What are the advantages of soliciting a mortgage broker?<\/strong><\/p><p>Well before committing to your purchase, the role of the broker is of great interest.\u00a0This will allow you to properly prepare your project by knowing your financing capacity and the different existing solutions.<br \/>In a vey dynamic real estate market, it permits to be more responsive and give confidence to the sellers.\u00a0You benefit from personalized support and advice throughout your project. The procedures are simplified and you save time by accessing to all the offers on the market.\u00a0We look for the most attractive offer on the market, while negotiating each element of your financing.<\/p><p>\u00a0<\/p><p><strong>What are the steps and deadlines necessary to obtain bank financing?<\/strong><\/p><p>After having established your budget and found your property, you will sign a promise or a sales agreement committing you to this purchase. The financing\u00a0research process will start at that time.\u00a0Usually, you have between 45 to 60 days to obtain financing, depending on the type of your project.<\/p><p>Once you have received your loan offer by post or electronically, you can return it signed from the 11th day, this is the legal reflection delay and any return before this period will not be admissible. You can also transfer it to your notary, in order to prepare the call for funds for the signing of the deed of sale.<\/p><p>Our job supports you in all these stages.\u00a0Congratulations, you are the owner!<\/p><p>\u00a0<\/p><p><strong>Which are the most important information in your loan offer?<\/strong><\/p><p>Your loan offer certifies that the bank is committed to loaning you a defined amount.\u00a0This offer includes a number of elements such as\u00a0the costs of your credit.\u00a0You will also receive, an European standardized sheet (presenting the main points of your offer), a provisional amortization table showing your future loan repayment and their composition (interest, insurance, &#8230;).\u00a0The special conditions negotiated will be listed.\u00a0And specific options from each banking institution that can allow you certain modularities, repayment suspensions of your loan.<\/p><p>\u00a0<\/p><p><strong>How to compare loan offers?<\/strong><\/p><ul><li>It is simply not enough to\u00a0focus only on the total cost of credit &#8211; the average length of ownership of a property being from 6 to 8 years &#8211; the cost at this time may differ according to each establishment.<\/li><li>Don&#8217;t neglect loan insurance. A real estate purchase can commit us over 25 years, multiple events can occur, a good coverage is essential!<\/li><li>Choose a bank that matches your needs and expectations.<\/li><\/ul><p>Mortgage broker \u00a0&#8211; YMANCI CREDIT IMMOBILIER<br \/>12 avenue des Carr\u00e9s<br \/>ANNECY-LE-VIEUX \u2013 74940 ANNECY<br \/><span style=\"font-size: 16px;\">Tel\u00a0: 06.98.61.68.70<br \/><\/span><span style=\"font-size: 16px;\">Mail\u00a0: bruno.kovac@ymanci.fr<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc41e9f elementor-widget elementor-widget-spacer\" data-id=\"bc41e9f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b4268fc\" data-id=\"b4268fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-656af9e elementor-widget elementor-widget-image\" data-id=\"656af9e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1706\" src=\"https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/offre_achat-scaled.jpg\" class=\"attachment-full size-full wp-image-10003\" alt=\"\" srcset=\"https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/offre_achat-scaled.jpg 2560w, https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/offre_achat-300x200.jpg 300w, https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/offre_achat-1024x683.jpg 1024w, https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/offre_achat-768x512.jpg 768w, https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/offre_achat-1536x1024.jpg 1536w, https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/offre_achat-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8a6f1a5 elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8a6f1a5\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3abcb44\" data-id=\"3abcb44\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5134fce elementor-widget elementor-widget-text-editor\" data-id=\"5134fce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h6><b>Un cr\u00e9dit vous engage et doit \u00eatre rembours\u00e9. V\u00e9rifiez vos capacit\u00e9s de remboursement avant de vous engager.<\/b><\/h6><p>Offre soumise \u00e0 conditions sous r\u00e9serve d\u2019acceptation par l\u2019un de nos partenaires bancaires, pr\u00eateurs. Aucun versement de quelque nature que ce soit ne peut \u00eatre exig\u00e9 d\u2019un particulier avant l\u2019obtention d\u2019un ou plusieurs pr\u00eats d\u2019argent. L&#8217;emprunteur dispose d&#8217;un d\u00e9lai de r\u00e9flexion de dix jours \u00e0 la r\u00e9ception de l\u2019offre de pr\u00eat. Si la vente est subordonn\u00e9e \u00e0 l&#8217;obtention du pr\u00eat et que celui-ci n&#8217;est pas obtenu, le vendeur doit rembourser \u00e0 l\u2019emprunteur les sommes vers\u00e9es. Publicit\u00e9 portant sur un cr\u00e9dit immobilier permettant le financement de l\u2019acquisition d\u2019un bien immobilier.<\/p><p>Ymanci Cr\u00e9dit Immobilier, marque commerciale de la soci\u00e9t\u00e9 Premimmo \u2013 SAS au capital de 1 190 000 \u20ac \u2013 Si\u00e8ge social : 33, rue Marbeuf 75008 PARIS \u2013 RCS Paris n\u00b0802 782 722 \u2013 ORIAS n\u00b014004330 \u2013 Courtier et mandataire non exclusif en op\u00e9rations de banque \u2013 Courtier et mandataire d\u2019interm\u00e9diaire d\u2019assurance (informations disponibles sur www.orias.fr) &#8211; Liste de nos partenaires sur https:\/\/ymanci.fr\/nos-partenaires-bancaires ; Soci\u00e9t\u00e9 soumise au contr\u00f4le de l\u2019Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution \u2013 4, Place de Budapest CS 92459, 75 436 PARIS Cedex 9 \u2013 www.acpr.banque-france.fr ; Service R\u00e9clamations : 33, rue Marbeuf 75008 PARIS \u2013 reclamations@ymanci.fr<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4b491e elementor-widget elementor-widget-spacer\" data-id=\"e4b491e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1e6f744\" data-id=\"1e6f744\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dd5b8fa elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"dd5b8fa\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bc7eac2\" data-id=\"bc7eac2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-464f8df elementor-widget elementor-widget-image\" data-id=\"464f8df\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"113\" src=\"https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/Ymanci_Logo-Credit-clair_et_precis_Exe_Bleu-vecto-300x113.png\" class=\"attachment-medium size-medium wp-image-10007\" alt=\"\" srcset=\"https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/Ymanci_Logo-Credit-clair_et_precis_Exe_Bleu-vecto-300x113.png 300w, https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/Ymanci_Logo-Credit-clair_et_precis_Exe_Bleu-vecto-1024x387.png 1024w, https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/Ymanci_Logo-Credit-clair_et_precis_Exe_Bleu-vecto-768x290.png 768w, https:\/\/hektor.stoneandwood.fr\/wp-content\/uploads\/2021\/05\/Ymanci_Logo-Credit-clair_et_precis_Exe_Bleu-vecto.png 1419w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44cf05b elementor-widget elementor-widget-spacer\" data-id=\"44cf05b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-867b2c3\" data-id=\"867b2c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>You have found your dream home ? Mr. Bruno KOVAC, mortgage advisor for YMANCI in Annecy, gives some advice to finance your real estate project.<\/p>\n","protected":false},"author":3,"featured_media":10003,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[30],"tags":[],"_links":{"self":[{"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/posts\/10001"}],"collection":[{"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/comments?post=10001"}],"version-history":[{"count":0,"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/posts\/10001\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/media\/10003"}],"wp:attachment":[{"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/media?parent=10001"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/categories?post=10001"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hektor.stoneandwood.fr\/en\/wp-json\/wp\/v2\/tags?post=10001"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}