Your Real Estate Project, Tailor-Made Financing With Advantageous Terms
At GJRA, we support your purchase, construction, or real estate investment with financing solutions tailored to your situation. Whether you are a first-time buyer, an investor, or looking for a second home, our experts negotiate the best terms for you with our network of banking and institutional partners.
What We Have
Rental Investment Financing
Construction/Renovation Loan
Second Home/Luxury Loan
Mortgage Refinancing
Customers & Support
We Create Attractive Financial Solutions
We pride ourselves on our long-standing financial convictions, focusing on our clients’ results and growth.
The amount depends on:
Your down payment (recommended minimum: 10% of the property price)
Your stable income (salary, rental income, etc.)
Your debt ratio (generally limited to 35% of your income)
The loan term (up to 25-30 years depending on your profile)
Example: With a net salary of €3,000, you could borrow up to ~€200,000 over 25 years.
Approximately 8 to 10% of the property price in additional costs:
Notary fees (7-8% for existing properties, 2-3% for new properties)
Application fees (0.5 to 1% of the borrowed amount)
Guarantee (mortgage or surety, ~1-2%)
Borrower’s insurance (0.2 to 0.4% of the borrowed capital/year)
Fixed rate: Stable monthly payments, protection against rising rates (safest choice). Variable (or revisable) rate: Lower initial rate, but may increase with the market (risk + potential gain). Tip: In 2024, a fixed rate is generally recommended to secure your budget.
Yes, subject to conditions:
Fixed-term contract: Possible if a permanent contract is available or if you have a stable job (e.g., civil service). Low income: Solutions such as the PTZ (Zero Interest Loan), subsidized loans (Action Logement), or family guarantees. Other income (investments, pensions) is considered.
If you signed an offer: Your rate is locked in (unless otherwise specified).
If the offer is not signed: Renegotiate with your bank or broker.
Alternative solution: Seek subsidies (eco-PTZ, regional loans) or reduce the amount borrowed.