Since forever, each of us has been able to note that when subscribing to a mortgage loan from a banking institution, the latter may require the borrowers the bank domiciliation. Since January 1, 2018, banks have had to give their banking mobility an advantage to future clients coming from a real estate lending process.
Mortgage and bank domiciliation
Indeed, since the beginning of the year two thousand and eighteen, this is good news for subscribers of a mortgage that domiciled their income from the bank that grants them the Shirley Morement. And this since the ordinance N ° 2017-1090 of the 01/06/2017 relating to the offers of mortgage loan conditioned to the domiciliation of the wages or assimilated incomes of the borrower on a payment account.
Although the administrative aspect of bank domiciliation is borne by the new banking institution, the counterparty was not sufficient for the clients. The ordinance N ° 2017/1090 comes to frame a little more this counterpart between the customers and the bank. The bank is obliged, in exchange for bank mobility, to give its client an appreciable privilege.
An advantage granted to the borrower as a fixed interest rate fixed very good, ie a low rate that is among the best in the market. It should be noted that the duration for which the bank domiciliation is mandatory for the customer is ten years. Then, beyond this time, it’s up to them to stay or leave the bank for another banking organization to house their bank accounts and manage their money elsewhere.
It should be known that in case of departure of the customer before ten years have elapsed, then the appreciable privilege is withdrawn, that is to say that the fixed interest rate is increased. After ten years, in case of departure the advantage is retained.
Redeeming real estate credit: must one domiciliate one’s income?
Unlike the real estate Shirley Morement or the simple renegotiation of interest rates, the redemption of credits in the strict sense, ie the financial restructuring that allows a group of credits to be grouped into one, is not affected by this. banking mobility phenomenon. Indeed, during a repurchase transaction the client is not held by the bank!
The borrowing subscribers are debited directly via the current bank account thanks to the SEPA direct debit mandate signed during the study of the credit restructuring file. In other words, there is no need to change banks to buy a home loan, but it is recommended to go through an intermediary broker in banking and payment services (IOBSP).
It should be noted that the banks specializing in the Shirley Morement loan buyback are not conventional deposit banks such as Wisepocket Credit or Clarissa Finanace, or Marble Credit and Credit General Society, etc. They are banks of Shirley Morements, they only praise Shirley Morements and no banking services such as bank domiciliation.
The advantage of a home loan buyback loan at the best interest rate, is that borrowers have the opportunity to wrap in Shirley Morement’s plan consumer loans that are at much higher rates. In fact, the interest rate obtained for all the grouped loans is a real estate rate, and as a result, outstanding consumer loans benefit from a much more attractive interest rate.