The Stages of Financing
At Crédit du Genevois we support you from the initial consultation to the finalization of the financing, providing you with advice and assistance so that you can obtain the best possible terms for your loan. Our structured process offers you complete and transparent support, tailored to your specific needs.
Explore the steps we take to help you bring your property or business project to a successful conclusion.
The first phase of our support consists of a personalised diagnosis of your financial situation and your requirements. We start by listening carefully to your objectives, your personal and professional situation, as well as your restrictions. This enables us to work together to define the best solutions for financing your project.
During this assessment, we will evaluate crucial factors such as :
- Your borrowing capacity : Income, expenses, existing debts, etc.
- Your property or business plans : Whether you are looking to buy a home, invest in rental property or have business needs, we will analyse your objectives.
- Your banking profile : We check your solvency, financial situation and the lending institution’s expectations.
Thanks to this in-depth analysis, we can offer you targeted solutions in accordance with your needs and financial targets.
2. Setting up your application :
Building your case to maximise your chances of success
Once the assessment has been carried out, we move on to the step of putting together your financing package. This stage involves preparing all the information.
You need to put together a solid application that we can present to the banks and other financial partners. We guide you through the process of gathering all the supporting documents, and make sure that your application is complete and meets the requirements of the lending institutions.
This includes :
- Preparing documentation : pay slips, bank statements, tax returns, proof of address, etc.
- Structuring the file : We put forward the most relevant components of your project (income, guarantees, etc.) to satisfy the banks.
- Selecting the best financing options : Depending on your situation, we work with you to choose the most appropriate solutions (home loan, zero-rate loan, specific loans for professionals, etc.).
3. Negotiation :
Get the best financing terms and conditions
Once your application is complete, we begin the negotiation phase with the banks. The aim of this key stage is to obtain the best possible financing terms for you: interest rate, loan term, application fees, loan insurance and other guarantees.
Our brokers take charge of all the steps involved in :
- Compare bank offers : We negotiate with a wide network of financial partners to find the best terms.
- Optimizing the interest rate : We look for an advantageous rate to reduce the total cost of your credit.
- Negotiate ancillary costs : We aim to reduce administration fees, borrower’s insurance and other costs associated with credit.
4. Submission of the solution and supervision :
Once the terms have been negotiated and the loan proposals received, we submit the solutions we have collected to you. We explain the terms to you in detail, so that you can fully understand the conditions of your loan.
This includes :
- A clear explanation of the offer : rate, monthly repayments, loan term, guarantees, insurance, etc.
- Personalised follow-up : We make sure that you understand all the terms of the offer and that you have no questions or doubts about the proposed financing.
- Advice on making your decision : We’ll help you compare offers and choose the one that best suits your needs and objectives, so you can make an informed decision.
5. Tracking the loan offer :
Review and answering questions
Before signing your mortgage contract, we carry out a rigorous examination of the finance contract. We carefully reread all the documents and make sure that the terms of the contract are in line with what was negotiated.
This stage includes :
- Reviewing the loan offer : We check that all the elements are correctly drafted and that the negotiated conditions are respected.
- Explaining the documents : If certain terms or conditions are unclear, we make sure you fully understand what is included in the offer (insurance, fees, repayment terms, etc.).
- Answers to all your questions : We are always available to answer any questions you may have before you sign the loan offer, so that you can rest easy in the process.
We promise to check every detail so that you can sign with complete confidence.
6. Finalizing :
Releasing the funds and signing at the notary’s office
Once your loan offer has been settled, we move on to finalizing your project. We’ll take care of the application to the relevant bank for the funds to be released, and make sure that everything is in ready place on the correct date for the notary’s signature, to avoid any last-minute disappointments.
Ready to take advantage of market opportunities to optimize your mortgage loan ?
Contact us today for personalized, no-obligation advice.
