Credit immo : les bons plans ING Direct


Domiciliez your income at ING Direct and earn 0.10 for point-of-rate credit immo !

The arrival of Fortuneo on the market of the real estate credit would have motivated ING Direct to reduce its nominal interest rate ? Or so would this be one of BforBank ? For € 200,000 borrowed over 10 years, ING Direct offers a rate to 1.67 %… Not bad ! And it is far from being finished ! ING Direct makes you + receive a discount of 0.10 point rate ! Only condition : domiciliation of your income. The icing on the cake : until 20 June, the application fee of € 750 you are provided free of charge ! Zoom in on this offer not to be missed !

Competitive rates with ING Direct !

For a loan amount of € 200,000 over 10 years with ING Direct, the call rate is 1.67 %.

Concretely it would mean to you to have to pay 120 monthly payments of 1 787,44 €, insurance, death and disability mandatory and guarantee fees, excluding notary fees. For a total cost of credit of 16 993,19 € and a total amount due of 216 993,19 €.

As a reminder, according to the latest figures released by the Observatoire Credit Logement/CSA, the rate real estate loans are climbing back up ! They are set on average to 1.55% in April 2017 all durations combined.
Opening an ING Direct account + debit revenue = a 0.10 point reduction on the interest rate

The other (very) good news is that the online bank has decided to offer their new customers a discount of 0.10 points on the rate of interest – since 13 march 2017.

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Real estate loan : the rate continued to rise in march

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The only condition to benefit : open an ING Direct account and domiciliation of income, it is paying his salary each month on the account.

Of course, to take advantage of this offer, it is necessary for the bank to accept your file…

Suddenly, between Fortuneo, ING Direct, Boursorama Bank and now BforBank it will be increasingly difficult to resolve as the monthly payments are close :

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: https://en.wikipedia.org/wiki/Cascading_Style_Sheets */ /* 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 { … } */
To obtain this table, and it has a fast simulation on each of the sites. Our 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.

But as long as it is for the benefit of the borrower and its portfolio, we are not going to complain !

Neil Bensouda

 

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