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Edwin Popovitch - Yves Rigaux
CBFA insurance brokers: 40086A
CBFA credit brokers: 045740A

Credit
Study

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Recovery
Study

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Please remember that our interventions are paid by credit institutions.
They are therefore free transactions for you and made independently from those institutions. Some fees are charged by credit companies. They will be explained to you before any introduction of file.

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puceIndividuals' Access

puceCEPIAC, a company formed by E. Popovich and Y. Rigaux, gives you help and advice on all matters related to mortgage products.

Our references

puceAxa, AGF, Fortis AG, Credimo, Crédit Agricole, Crédit Foncier, Fond d'escompte Européen (European Commutation Fund)...

Useful information

  1. Sale by mutual agreement
  2. Public sale
  3. Tontine
  4. Advantages of a good sales compromise
  5. Under what conditions should you interrupt your lease?
  6. How will your banker review your rate?
  7. What should be done when we have been "filed"?
  8. Sales compromise model
    1. apartment
    2. house

The duration and the quota
The repayment duration of a credit is from 3 to 25 years.
The quota is the relationship between the borrowed capital and the market value (generally the appraised value) of the property used as collateral. So, if you want to borrow € 100,000 for a property with a market value of € 125,000, the quota will be 80%. This quota has a direct influence on the cost of your credit. The lower the quota, the lower the rate, and vice versa.

THE MORTGAGE LOAN
cadre

A mortgage loan is an amount made available to one or more persons who undertake to repay within a delay and with a repayment manner specified in the contract. In return, a mortgage is taken on one or more buildings to ensure proper payment of the amount originally loaned.
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