Realisation of a building housing project destined for rents. The amount of the loan is calculated exclusively from the future rents.
Realisation of a building housing project destined for rents. The amount of the loan is calculated exclusively from the future rents.
Product Characteristics :
Conditions of eligibility:
Immatriculated land for the project .
Purpose :
Rentage
Eligible persons :
- Physical persons/ « SCI » for family
- Physical persons/ « SCI » for family
Duration :
- Physical persons : 300 months (25 years)
- Moral persons: 360 months (30 years)
Interest rate :
5,870 % HT or 7 % TTC .
Grace period :
From 3 to 36 months
Minimum deposit :
- Personnes physiques/SCI à caractère familial : 20% minimum du coût du projet, sous réserve de son équilibre financier
- Personnes morales : 25% minimum du coût du projet, sous réserve de son équilibre financier
Sources of re-imbursement :
Rents to be deposited in an COP opened in CFC
Means of re-imbursment :
- Payment Order from the COP
Financed operatuions :
- Construction
- Upgrading and finishing
- Renovation
- Acquiring + completion works
Guarantee :
- First mortgage
- Insurance :
- Life and Incapacity insurance during 60 months on the main borrower
- Fire insurance
- Comprehensive home insurance during the duration of the loan
- Comprehensive insurance on the construction site
- Signing the lease agreement by all the parties (CFC/borrower/lodger)
- Nantissement des loyers au profit du CFC
Additional Documents :