Are you a public servant and you are about to buy real estate? The real estate broker can assist you in this project by offering you a credit and loan insurance adapted.
With its broad network of partners, the real estate broker helps you find the best financing solution. Today, given the large number of offers on the market, it is almost inevitable to use this intermediary. In addition, by being a member of the public service you will enjoy advantageous conditions to realize your real estate project.
Real estate loan: the benefits of the public service
Civil servants or members of a public service mutual can assert the agreements put in place between the administration and certain banks. These specific offers reduce the insurance premium linked to the loan and receive a free bond. Beware, however, the insurance rate for civil servants who apply for a mortgage can vary from one mutual to another. It should also be noted that some institutions apply a lower processing fee when the borrower is working under the civil service status.
These accumulated benefits provide the opportunity to save several thousand euros over the life of the loan. To put the odds on your side, do not hesitate to call on a real estate broker.
The interest of using a real estate broker for an official
The broker is an intermediary between the borrower and the bank. It ensures the borrower has an optimal record and maximizes his chances of seeing his application succeed, whether it is to provide a mortgage or to subscribe credit insurance. This professional can save money by obtaining the best loan rate but also save time. Indeed, the real estate broker is responsible for completing all formalities related to obtaining the loan or underwriting insurance.
As a reminder, since the entry into force of the Bourquin amendment in 2018, it is possible to terminate its borrower insurance each year, subject to respecting the principle of equivalence of guarantees. The delegation of insurance benefits public servants because it often allows to benefit from more extensive guarantees at attractive rates.
Choose your real estate broker
Do you want to hire a real estate broker to get the best rate? To find out if you are dealing with a serious broker, consider checking if it is a licensed professional. Indeed, he must hold a Level 1 diploma through the Intermediary in Banking Operations and Payment Solutions (IOBSP) and be registered with the Organization for the Registry of Insurance Intermediaries (ORIAS). Also check the quality of services offered as well as price transparency. Finally, make sure that the chosen broker has a good network. This last criterion is essential to benefit from an optimal offer.
Thus, today, more and more French people, including civil servants, are calling on a real estate broker to help them set up their project. To find the best broker near you do not hesitate to use an online comparator.