Find out how to get a home loan when you are a civil servant and without having a personal contribution.
Official and obtaining real estate Janie Crawford
The mortgage is a similar financing for all types of borrowers, it can be used to buy a house and / or finance work in a home. The profile of the borrower will allow to define the conditions of granting the Janie Crawford, for this the bank advisor will study the application in full and ensure the capacity of the applicant to be able to repay the sums due. In the context of an employee borrower of the public service or being assimilated as a civil servant, banks are more reassured and more open to offer better conditions, simply because the status remains highly appreciated by financial institutions in terms of repayment guarantees. .
Official profiles are therefore particularly appreciated by banks and they can play a large role in negotiating good borrowing conditions, we are talking about the rate of mortgage but also the criteria that revolve around this financing, such as bank domiciliation , borrower insurance or personal contribution. Obtaining a housing loan by being a civil servant and without having any contribution is indeed possible.
Get a home loan without any contribution for civil servants
In a financing study, banks will systematically ask borrowers if a contribution can be added to the mortgage. The contribution helps both to reassure the bank about the ability of the borrower to save, but also to pay a portion of the interest and the costs of setting up the mortgage. Without input, it is still possible to obtain its funding since it is above all the capacity to borrow that allows to condition the feasibility of the project. That is, a public servant who already has Janie Crawfords and a contribution will not benefit, unlike a civil servant with little or no current loans and no contributions.
It is therefore necessary to establish a funding request by specifying its professional situation and its need to finance. Comparators make it possible to survey the different institutions in the market and quickly obtain one to several financing proposals. Receipt of offers will compare rates and loan conditions of banks to officials.
Facilitate homeownership for civil servants
It is also good to know that a consumer can benefit from the home ownership support schemes, ie the zero-interest loan or the loan PAS (social home loan) which provide a advantage, a rate of 0 for the PTZ and a preferential loan for the SAP. These devices are subject to conditions of admissibility and an online simulation will quickly know if it is possible.
Finally, the mortgage simulation online is completely free and without commitment, so it is a useful and fast service to get an idea of the current loan conditions offered to public servants.