Credit immo in online banks

ING Direct, Boursorama Bank Fortuneo, BforBank and Hello bank! – via its parent company BNP Paribas – are currently on-line banks are able to make you a proposal for funding to your real estate project. Then an appointment with an agency is often needed to take out a mortgage in a traditional bank, online banks differ by a course entirely paperless. Suddenly, they can afford to be more transparent than traditional banks by posting such on their websites APR of the home loans that they distribute. Apart from this common point, in which the offers of the online banks in terms of credit immo are they similar or rather different ? ticket bank responds.

Credit immo in ligneConditions to sign up for a credit immo in an online bank

Hello bank! distributes the supply of credit to real estate of its parent company BNP Paribas.
Common Points of credits immo by online banks

On the amounts funded as on the duration of the credit, online banks offer a very similar. Call rates tend to intersect. Be careful, however, at ING Direct, the call rate is calculated over a period of 10 years – unlike other online banks, which provide for a term of 15 years.

Thus, to be able to really compare the offerings between them, it is necessary to undertake a simulation on each of the sites, using similar conditions (same amount borrowed over the same term of refund). As an example, here is a simulation of monthly payments for a credit immo of € 200,000 over 20 years, carried out in may 2017 :

The coupon rate is fixed (excluding insurance) Monthly payment (excluding insurance) Amount Duration 1,55 % 970 approximately € 200 000 € 20 years and 1.65 % 979 approximately € 200 000 € 20 years 1,60 % 974 approximately € 200 000 € 20-year – 1,59 % 876 approximately € 200 000 € 20 years old /* Here you can add custom CSS for the current table */ /* Lean more about CSS: */ /* To prevent the use of styles to other tables use “#supsystic-table-308” as a basis selector for example: #supsystic-table-308 { … } #supsystic-table-308 tbody { … } #supsystic-table-308 tbody tr { … } */
Profile : 2 borrowers of 33 and 35 years, winning 4 500 € per month to 2. It comes to monthly payments indicative, which does not constitute an offer of loan.

Compare real estate loans

You have a real estate project and you want to know if it is fundable in the state ? Compare free of charge real estate loans on Panorabanques and send your application to several banks at the same time. Maximise your chances of get your credit by comparing the offers !

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Not to GO except in the event of redemption of credit by the competition

With the exception of Hello bank! that does not give info on it, other online banks provide the borrowers prepayment penalties except in case of redemption of credit immo by the competition. As a reminder, in the framework of a prepayment of the mortgage, the law provides that the lending bank may charge a compensation for early repayment. These may not exceed :

  • is 6 months of interest on the capital repaid
  • 3% of the outstanding principal balance prior to the refund


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Application fee

In the area of online banking, the fees for the real estate credit are generally available, with the exception of ING Direct, which charges 750 €. Note, however, that the online bank regularly offers the ” offer “. For example, in this moment, the fees are offered until June 20, 2017 with ING Direct.

Funding, incorporating a PTZ

Apart from Hello bank!, no online bank positioned itself on the market of the real estate loan, no offers to fund a project that incorporates an interest-free loan or any other loan regulated.

Account opening, personal contribution : the main differences

Considered by the commission of unfair contract terms as an unfair term if it is not accompanied by consideration for the borrower (lower interest rates, a cancellation fee…), the provision of domiciliation of salaries is imposed by any of the online banks with the exception of Hello bank!. ING Direct is the only online bank to offer a reduction of 0.10 % on the interest rate if the borrower residing his wages in the bank.

On the other hand, as regards the opening of a bank account, the practices diverge : Boursorama Bank and Hello bank! make it mandatory when BforBank, Fortuneo and ING Direct, recommend simply.

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Does it take a credit in the real estate line ?

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Intake staff

In regard to the personal contribution – that is to say, the amount of money which the borrower has to them personally and that will therefore not be borrowed – Boursorama Bank and BforBank don’t require. On the other hand, these two online banks ask that the borrower is able to cover personally the costs of a notary and warranty.

The sound of a bell, in case of Fortuneo and ING Direct, which required a contribution equal to 10 % of the amount of the property, covering expenses of notary, agency, and warranty.

In terms of advantages, the online banks in excess of the rate displayed in black and white on their sites – you can do a simulation online and learn more about the conditions under which you will be able to borrow from them. Transparency and timeliness of the process because the banks online committed to providing you with a response usually immediate !




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