Description

This course is designed to allow you to master all the steps in setting up a real estate loan. He will introduce you to the different types of loans and show you how to analyze your clients' situation in order to offer them the most appropriate financing options.

Who is this training for ?

For whom ?

Customer service representatives in the bank. Employees of the Compliance, Legal, Risks departments, etc. concerned with the granting or monitoring of consumer credit.

Prerequisites

Training objectives

Master all the steps in setting up a real estate loan

Know the different types of loans

Analyze the financial and asset situation of clients

Compare the different guarantees

Prepare the financing plan

Training program

• The need of the borrower and accession to property
  • Modes of ownership.
  • The acquisition of an existing property with financing of works.
  • Rental investment.
  • The contract for the construction of an individual house.
  • Practical work Preparation of a table of the different investments.
• Analyze the borrower's situation
  • Personal and professional situation.
  • Conditions for individuals.
  • Matrimonial regimes.
  • Tax exemption opportunities.
  • Practical work Develop a heritage diagnosis.
• Know the different types of credit in the regulated sector
  • Home savings loans (PEL).
  • Traditional and approved loans.
  • VEFA loans.
  • Deductibles and deferrals.
  • Intermediate interest.
  • Practical work Calculate the amount of interim interest.
• Master the characteristics of free sector credits
  • The components of the loan.
  • The types of credit: installments or not.
  • The variable rates capped or not and evolving.
  • Mixed rates.
  • Credits "in fine".
  • Practical work Cytomizing a depreciable loan.
• Estimate the tax aspects of loan interest
  • The impact on the main residence.
  • The impact on rental investment.
  • Practical work Estimating tax savings for the main residence , land profits and deficits.
• Select guarantees
  • The general right of lien and real security.
  • The individual guarantee.
  • The mutual guarantee.
  • Practical work Comparison of different guarantees.
• Prepare the credit contract and the financing plan
  • Contracts organized by the provisions of the Consumer Code.
  • The TEG and usurious rates.
  • The release of funds.
  • Insurance.
  • Practical work Analysis of a financing plan.