Nowadays, there are many solutions to apply for credit, regardless of its type. Among the different banks and institutions specializing in credit, not to mention the various methods of comparing loans, it is not necessarily easy to find the best rate. However, there are some tips that can help you get there.
What is the best interest rate?
The interest rate of a loan, expressed as a percentage of the loaned capital, sets up a remuneration that will be paid to the lender by the borrower. It mainly depends on elements such as the duration of the contract, the various risks that may be incurred by the lender as well as the guarantees. The conclusion of the credit contract makes it possible to fix this interest rate but also the payment terms to which the borrower must adhere. The interest rate may vary depending on the different banks or institutions specializing in credit, some may offer a better rate than others. Likewise, it varies according to the type of loan (mortgage or consumer credit for example) but also according to many other criteria ranging from the personal and professional situation of the borrower, to the particularities related to the chosen loan (duration of the contract, amount of monthly payments etc.). Thus, finding the best rate is not necessarily easy and requires an in-depth study of the different offers, of your own situation and of the loan you want to obtain.
Best nominal and real rate
To find the best rate, you should know that there are several types of interest rates. First, we'll look at the nominal interest rate and the real interest rate. The nominal interest rate is defined at the time of the creation of a loan and it is the one that will be entered in the loan contract. The borrower will then have to pay it to the lender. The nominal interest rate is conventionally annual. However, to have a real vision of the cost of the loan, it is the real interest rate that must first be taken into account. The real interest rate is the nominal rate after deducting the effects of inflation as well as the risk premium. Thus, when inflation is not very high and the risk is not to be taken into account, the nominal interest rate is almost the same as the real interest rate.
In order to get an idea of the real rate, it is important to take into account the expected inflation over the term of the loan and perform this calculation before signing the contract. Generally, inflation is good for the borrower and disadvantageous for the lender who can charge a higher nominal interest rate in order to ward off rising prices. Likewise, it can ensure that the total amount to be repaid by the borrower is revalued according to the evolution of prices. At the end of 2016, inflation was very low and that is why interest rates were historically low.
Best fixed and variable rate
When looking for the best rate, take into account the fact that banks as well as institutions specializing in credit can offer fixed rate loans but also variable rate. The rate for a fixed rate loan will be calculated based on the repayment term as well as the amount of the amount borrowed. On the other hand, with regard to the variable rate loan (or revisable), the rate will differ depending on the period during which the borrower will use his loan as well as the repayment period (in the context of a credit renewable for example). This can make it difficult to get the best rate.
Regarding the fixed rate, we can take the example of the personal loan. This type of credit is not allocated to the purchase of a specific good or service. It consists in making available to the borrower a sum of money that he will then be free to spend as he wishes, without having to provide proof of its use (you should know, however, that it is often easier get a better rate with an affected loan).
The lender must communicate certain information to the borrower before signing the credit agreement. Among this information we find the credit rate, fixed, that is to say that it will not change during the term of the contract, but also the amount of monthly payments (that the borrower can request to modify), the duration reimbursement (which may not be less than 3 months) as well as the total cost of the credit. It can be noted that by reducing the repayment period, it is often easier to obtain a better rate.
It is a loan for which the borrower has the right to make an early repayment. The latter can also be refused by the lender if the repayment has not yet reached 3 monthly payments. With some lenders, this can also generate certain indemnities which must also be mentioned in the credit agreement. However, these indemnities cannot be greater than the interest that the borrower would have had to pay if he had not decided to repay his loan early. You should also know that if the early repayment is partial, the monthly payments will remain unchanged and the borrower will have to continue with his usual repayments.
Regarding the variable rate, we can take the example of revolving credit. The latter is a loan which consists in making available to a borrower a sum of money which will be reconstituted over the course of its repayments. He can then reuse this capital and dispose of it as he sees fit, without justifying its use, just as in the context of a personal loan. When signing the credit agreement, the borrower must know the maximum authorized amount of credit (this is the maximum amount that he can use and that he will not have the right to exceed), the minimum amount a monthly repayment as well as the rate applicable at the time of subscription to the credit contract. This rate can then change over time, whether it is upwards or downwards. It is possible that this will become a better rate over time. Every month, the borrower can either repay the entire amount borrowed, or make an additional payment of the amount of his choice, while respecting the minimum amount of a due date, as agreed in the contract.
If ever there is a revision of the rates (whether it is a better rate or, on the contrary, a higher rate), the lender must inform the borrower, who then has the right to refuse this review for a period of thirty days from receipt of the information. If the borrower actually decides to refuse this modification, this will terminate the credit agreement but he will still have to repay the capital already used. It should be noted that the lender must imperatively inform the borrower of a revision before the effective implementation of the change in the rate. Usually, this is information that will appear on the borrower's monthly account statement. It is a statement that includes the amount of repayments made previously, the portion of the capital available, all of the amounts payable, the rate applicable to the period, the amount of the monthly payment with the portion corresponding to the interest, the date of the statement, the date of payment of the monthly payment, as well as the number of remaining installments in order to arrive at the total repayment of the amount borrowed taking into account the minimum amount of a monthly payment.
Ultimately, the total cost of credit cannot be known to the borrower since it depends on the rate applied which may vary depending on the periods as well as the actual repayment term. Even if you have the best rate, it is more advantageous to repay your revolving credit as quickly as possible in order to reduce the cost. You should know that a fixed rate loan can be more advantageous for people who will have more difficulty repaying a loan quickly while the variable rate loan may be more expensive for them, even if it has a better rate.
The choice of a fixed rate or a variable rate often arises on long-term loans for borrowers (such as, for example, mortgage). A fixed rate loan allows the borrower the insurance to be protected in the event of a rise in the interest rate but at the same time, it is higher than a variable rate loan when signing the contract. In addition, there remains a risk, that of the evolution of the borrower's income during the repayment period.
However, if a fall in interest rates can be anticipated, it will be more judicious for the borrower to choose a variable rate loan even if this remains a considerable risk taking in the event that interest rates rise.
It should also be added that the maturities of an adjustable rate loan remain mostly unchanged the first year of the contract, sometimes even the second. The first two years each maturity is composed of 60% interest, so it may be advantageous to choose an adjustable rate rather than a fixed rate because this can represent considerable savings and allow to obtain a better rate, at least for a certain time. However, keep in mind that rates often rise after the first two years.
A capped rate loan to get the best rate
If you wish to subscribe to a credit at an adjustable rate, in order to maintain the best possible rate, it is strongly recommended to take out a loan at a capped rate (capped rate). This means that even if the rate can be changed, it cannot exceed a certain percentage, defined by the "cap". For example, on a loan at a rate of 2%, a cap of 1 ensures that this rate can never exceed 3%. This reduces the risk incurred by households when subscribing to a revisable rate loan and thus makes it possible to know the maximum possible amount of monthly payments. This allows borrowers to be able to properly assess their repayment capacity so that they are sure of being able to pay the maximum monthly payment if ever the situation requires it.
The APR and the best rate
If you want to find the best rate for your credit, it is important to take an interest in the annual percentage rate of charge (APR) which expresses the total cost of a loan and which is the best tool for comparing the different offers of credits. The Scrivener law, which is part of the consumer code, stipulates that banks and establishments specializing in credit must mention the APR in all written documents concerning credits as well as on advertising media.
The term "effective rate" corresponds to the fact that the APR includes not only the nominal interest rate of a loan but also the various costs (application fees, commissions, insurance premiums, guarantee costs, etc.) linked to this credit. This is why it allows a better comparison of the different offers on the market, comparing the nominal interest rates not being sufficient to have a real estimate of the cost of a loan.
The APR is also an actuarial rate which is calculated using the equivalence method and corresponds to the interest rate actually received by the lender. To calculate the actuarial rate, all the terms of the issue must be taken into account (total cost of credit, amount of interest, term of credit, etc.). It makes it possible to determine the total cost of a loan, also taking into account the terms of interest payment (at the start or at the end of the contract). It is the annual rate which, at a certain date, makes it possible to equalize the present values of the amounts payable and the amounts receivable.
Thus, the overall effective annual rate corresponds to the actuarial rate for loans and makes it possible to compare the different offers on the market. For example, if we compare only the interest rate, one offer could appear more advantageous by offering a better rate than another while if the administration fees of this same offer are higher than those of the other , the difference in rate could be compensated. The annual percentage rate of charge incorporates everything the borrower might have to pay, in addition to interest, so it is a very good indicator of the total price of a loan and can help find the best rate by comparing competing offers. . The APR is calculated in the same way by all lending organizations so that consumers are able to find the best rate by making comparisons between different loan offers.
The annual percentage rate of charge has been used as the effective rate for consumer loans since 2002 but it is only since October 2016 that it has also become the legal indicator of the effective rate for mortgage loans to private borrowers, thus replacing the TEG (overall effective rate).
The rate of wear
If you are looking for the best rate, it may be beneficial to know the rate of credit wear and tear you want to purchase. The usury rate corresponds to the legal maximum that the annual percentage rate of a loan can reach. If ever the rate of a loan exceeds this ceiling, it is considered that there is usury, which corresponds to a loan at an abusive rate and constitutes a criminal offense. Wear rates may vary depending on the type of credit. You can view them on the Bank of United States website. At the end of each quarter, they are published in the Official Journal and are set at 133% of the average rates charged by institutions offering loans during the previous quarter. The usury rate protects individuals against abusive rates on certain loan offers.
Knowing the wear rates on different loans can be advantageous when trying to find the best rate. On the Bank of United States website, the usury rate applying in the 1st quarter of 2017 for cash loans (consumer loans) is 19.96% for loans of a lower amount or equal to 3,000 US dollars, 13.25% for those between 3,000 and 6,000 US dollars and 6.65% for loans over 6,000 US dollars.
With regard to mortgage loans, the usury rate is 3.40% for fixed rate loans for a period of less than 10 years, to 3.35% for those for a period of between 10 years and less than 30 years, 3.37% for a term of 20 years and more, 2.83% for variable rate loans and 3.43% for bridging loans.
Thus, be aware that if you ever come across an offer that exceeds the usury rate corresponding to the type of credit in question, this means that the establishment offering this offer is not doing it within a legal framework.
The Bank of United States website also offers to find out about the average rates charged by different credit institutions, which can also be useful when looking for the best rate. Thus, in the 4th quarter of 2016, consumer loans of an amount less than or equal to 3000 US dollars had an average rate of 14.97%, those between 3000 and 6000 US dollars had an average rate of 9.94 % and those over US $ 6,000 had an average rate of 4.99%.
For mortgage loans, the average rate for fixed-rate loans with a term of less than 10 years was 2.55%, it was 2.51% for loans with a term of between 10 and less than 20 years, 2.53% for those with a term of 20 years and more, 2.12% for variable rate loans and finally, 2.57% for bridging loans.
So, it may be worth reading this information if you want to find the best rate for your credit. However, the usury rate should not be confused with the legal interest rate in United States which corresponds to the interest rate that can be applied in certain legal decisions.
The legal interest rate
Legal interest corresponds to a sum of money owed to the lender by the borrower if the latter ever presents a delay in the execution of his repayments. The legal interest rate thus designates, in a way, damages and it can be applied to a loan for which there has been no establishment of a conventional rate between the parties.
When a conviction is pronounced by a court, the borrower will have to pay this legal interest rate within two months of the execution of the court decision.
There are two legal interest rates. The first is applicable to sums due to natural persons who do not act for professional needs and is calculated according to the average effective rates of loans to individuals. It is set at 4.16% for the 1st quarter of 2017.
The second rate is applicable to the remaining cases and amounts to 0.90% in the 1st quarter of 2017.
These rates are now updated every six months.
How to get the best rate for a mortgage?
The subscription to a mortgage represents a very important commitment which is carried out over a long period. So getting the best rate is important. It is then necessary above all, to have a good file, which is the key to obtaining the best rate since the lender firstly assesses the personal and professional situation of the borrower in order to be able to estimate his capacity. reimbursement. The more it is favorable to him, the more the lender will be inclined to offer him a better rate. The proposed rate thus often evolves according to the risk of non-repayment incurred by the lender. Therefore, you must first make sure you have a balanced family and professional situation. If you have a stable job (in CDI for example) and this for several years and your salary is high enough to cover all your fixed monthly expenses while leaving you a considerable remainder to live , this will clearly work in your favor and will offer you more chances of getting the best rate for your mortgage.
You also have to make sure that your debt ratio does not exceed 33% because if this is the case, obtaining a mortgage will be almost impossible for you. Very few banks or other credit institutions could accept a loan application if the debt ratio is higher than this percentage. In addition, make sure you are not registered with the FICP (personal credit payment incidents file) and that you do not have a banking history that would work against you because once again, this would make your credit application very unattractive for lending organizations.
If you want to get the best rate, consider first of all to check if you are eligible for the zero rate loan which would allow you to borrow part of the sum you need to buy your property, without paying 'interests. The zero-rate loan is a credit aided by the State and intended for the purchase of housing for individuals who have not owned their main residence during the past two years, depending on their resources. The amount of the zero rate loan that can be granted depends on where the individual wishes to purchase their home. It is a loan that does not fully finance the purchase but only a part. The borrower must thus supplement it with a personal contribution, or by one or more credits.
In addition, even if you cannot benefit from the PTZ (zero interest loan), a personal contribution can be very useful if you want to obtain the best rate. By financing part of the purchase of your home yourself, you will reduce the risk taken by the lender granting you the mortgage, which will make them more inclined to offer you a better rate.
It is also important not to have too many outstanding loans if you want to get the best rate because an accumulation of loans increases your debt ratio and thus, the risk of non-repayment incurred by the lender. This will give you a better chance of getting the best rate if you are not already in debt. Likewise, having a large amount of left over to live (after deducting your fixed monthly charges from your income) will greatly increase the possibility of getting a better rate.
A stable financial situation is one of the most important assets when you want to obtain a mortgage at the best rate. So, be careful not to have been overdrawn the few months preceding your loan application. A lender will more easily give you a better rate if they feel you can manage your finances without falling into the red.
Also remember to do it early enough to apply for a mortgage. Indeed, it is better that the repayment of your credit be made before your transition to retirement. So if you are young and able to work for a long time, it will be easier for you to get a better rate.
Play the competition! There are many mortgage offers, whether from banks or other establishments. So, comparing the different proposals in the market can help you get the best rate for your loan.
Try to hire a broker. This will generate some additional costs, of course, but it can be a good solution to find the best rate.
Finally, keep in mind that if you shorten the length of your credit agreement, it will reduce the total cost of the loan and thus allow you to obtain a better rate. Therefore, if you are able to pay higher monthly payments, do not hesitate to reduce this repayment period.
It should be noted that these tips can also apply to other types of loans, especially consumer loans for which you can use these same tips in order to get the best rate.
How and on what criteria to negotiate to have a better rate on a mortgage?
If you want to get the best rate on a mortgage and want to go through a bank, it may be worthwhile to create a long-term business relationship with this establishment. Indeed, a banker will be more inclined to offer a better rate to a loyal customer who will carry out most of his future financial actions with his bank. It should be noted that if you want to negotiate with your banker, you will have to make him understand that the fact of offering you a better rate and thus reducing the cost of credit, will be caught up by your future activity in partnership with this bank. This will be the case, for example, if you agree to take out home insurance with it. This is the kind of action that can significantly help get a better rate on a mortgage since it can bring some profitability for the lender.
In order for the negotiation to go smoothly and for you to be able to get the best rate for your mortgage, you will need to be prepared to talk about offsets during the negotiation. This will make the deal for a better rate more beneficial to the lender. For example, if your salary is domiciled in the establishment where you are applying for credit, or if you agree to domiciliate it there (while subscribing to a means of payment such as a credit card for example), this will facilitate consequently negotiations for a better rate.
To this can be added the subscription to a home insurance with the same establishment to obtain a better rate. The acquisition of a new home implies the need to subscribe to such insurance. You can do this with the organization of your choice, however, if you agree to subscribe to it at the establishment with which you are applying for a mortgage, this will make the lender more inclined to negotiations for a better rate. You should know that you can change insurance 12 months after signing the contract, so it may be a good idea to purchase it from your lender in order to get a better rate. In addition, faced with the cost of mortgage loan, the choice of the establishment to take out home insurance will often not change much for you financially speaking, but it may encourage your banker to grant you a better rate.
Then, you can also offer the promise to the establishment with which you subscribe to a mortgage, to transfer your family's bank savings (Livret A, LEP, PEA…). This will provide some guarantee and security for the lender by creating a lasting bond with you. It is compensation that will cost you nothing but can allow you to obtain a better rate for your mortgage.
Finally, if you want to get the best rate, you can simply sign up with the institution you are applying for a mortgage with and give them a promise that it will become your main bank. In the end, it won't cost you much, and you are sure to get a better rate on your mortgage.
When you want to get a better rate for a mortgage, you can negotiate mainly on two points: the rate and credit insurance. Besides that, you can also negotiate on early repayment indemnities as well as on administrative fees.
What is the best mortgage rate?
By researching the various online comparators, it is possible to find the best rate. The best rate obtained by the main online brokers over the period of January 2017 varies between 0.60% and 0.80% for a mortgage over a period of 10 years, between 0.90% and 1.15% over a period of 10 years. 15-year term, between 1.10% and 1.35% over 20 years, between 1.25% and 1.55% over 25 years and between 1.95% and 2.35% over a period of 30 years.
The average rates over this same period and obtained by the same brokers are between 0.90% and 1.20% for a mortgage over a period of 10 years, between 1.35% and 1.45% over a period of 10 years. 15-year term, between 1.40% and 1.65% over 20 years, between 1.66% and 1.90% over 25 years and between 2.30% and 2.77% over a period of 30 years.
It should be noted that the end of 2016 was marked by the rise in mortgage rates, whereas their drop had reached records throughout the year. This recent increase took place in December 2016.
How to get the best rate for a student loan?
When you are a student, if you do not have access to a scholarship or a sufficiently remunerative job, it can sometimes become difficult to finance your studies as well as to cover the expenses related to everyday life. A bank loan can be a good financing solution, but many may be reluctant to make such a commitment. Thus, finding the best rate is essential for this type of credit to be advantageous for the borrower.
First of all, as with all credits, it is essential to compare the different offers on the market. Indeed, banks and institutions specializing in credit often offer very different rates, services and advantages as well as disadvantages. So it is important to have a global view of the different proposals in order to find the best rate. The APR (annual percentage rate of charge) is a very good tool for comparing the various offers and it is the most important criterion to take into account when subscribing to a loan because it helps protect consumers from hidden costs and their offer the possibility of finding the best rate.
There are many sites offering to compare student loans online which can give you an overview of the different offers. You can use them for free and without obligation, making it one of the easiest solutions to find the best rate. In addition, some of these sites make it possible to support the borrower in his procedures by putting together a file which can then be sent to banks or credit institutions with the best rate.
You should also know that some banks or institutions specializing in credit have established partnerships with certain universities or schools which can allow students to obtain loans at a better rate.
It is also important to choose the right borrower insurance. Il n'est pas obligatoire d'y souscrire auprès de l'organisme auprès duquel vous souscrivez à un prêt étudiant. Ainsi, pensez à comparer les différents organismes ainsi que leurs offres d'assurance afin d'obtenir le meilleur taux. C'est aussi valable pour les autres crédits à la consommation.
Opter pour un courtier pour trouver le meilleur taux
Trouver le meilleur taux soi-même n'est pas forcément chose facile, c'est pourquoi, une certaine aide peut être la bienvenue. Vous pouvez alors, si vous le souhaitez, vous tourner vers un courtier qui pourra vous aider à trouver le meilleur taux. Il faut savoir qu'environ 40 % des crédits immobiliers ont été souscrits par le biais d'un courtier. Ce dernier a pour mission de trouver le crédit le plus avantageux pour son client et ainsi, le meilleur taux. Son travail consiste à interroger les banques et les établissements de crédit à la place du consommateur afin de trouver le prêt qui correspondra le mieux à son projet personnel. Normalement, il doit réunir ses informations auprès de plusieurs dizaines d'établissements afin de trouver le meilleur taux ainsi que les meilleures conditions pour le contrat de crédit.
Toutefois, les courtiers ne font pas tous leur travail de cette manière, certains ne se renseignent qu'auprès un nombre limité de banques et en fin de compte, ne vous permettent pas de trouver le meilleur taux. Ainsi, si vous souhaitez faire appel à un courtier professionnel, il serait conseillé de bien vous renseigner au préalable afin de tomber sur quelqu'un qui répondra réellement à vos attentes. De plus, notez bien que c'est un service qui engendre des frais. De ce fait, faire appel à un courtier ne représente un avantage que si celui-ci est prêt à faire de nombreuses recherches afin de vous dénicher le meilleur taux.
Si vous ne souhaitez pas faire appel à un courtier professionnel,vous pouvez tout aussi bien profiter des services d'un comparateur en ligne. Il existe de nombreux comparateurs de crédits sur internet et l'avantage c'est que leur utilisation est entièrement gratuite et sans engagement (il est conseillé de se méfier si jamais la comparaison des offres ou la demande de prêt est payante). Ainsi, cela peut vous permettre d'effectuer vos recherches et de trouver le meilleur taux sans que cela n'engendre de frais supplémentaires et sans bouger de chez vous. En effet, si vous souhaitez faire vos recherches vous-même, il est bien plus pratique de passer par un comparateur en ligne car cela vous évite de vous déplacer d'une banque à une autre, sans parler des diverses procédures et du temps d'attente dans les établissements de crédit. Cela représente, de ce fait, une praticité et un gain de temps considérable. Vous pouvez ainsi avoir une vision globale des différentes offres du marché afin d'avoir la possibilité de trouver le meilleur taux pour votre prêt. Vous pouvez même, si vous le souhaitez, avoir recours à plusieurs comparateurs en ligne afin de pouvoir prendre connaissance des offres qui vous correspondent le mieux et proposant le meilleur taux. Il faut ajouter à cela que les offres de crédit proposées en ligne sont souvent plus avantageuses et ont taux plus intéressants que celles que vous pourriez trouver sur place, en vous rendant auprès de votre banque par exemple.
Avoir l'ensemble des offres du marché sous les yeux et pouvoir les comparer tranquillement chez vous, peut vous permettre de trouver plus facilement le meilleur taux pour le crédit auquel vous souhaitez souscrire, quel que soit son type.
De plus, la plupart des comparateurs en ligne vous permettent aussi de créer un dossier qui vous est propre et qu'il sera possible d'envoyer automatiquement aux banques ou établissements de crédit proposant les offres qui vous sont les plus avantageuses. Ainsi, après avoir trouvé le meilleur taux, vous pouvez faire votre demande de prêt en ligne, sans bouger de chez vous. Cela représente un gain de temps conséquent étant donné que ce type de procédure se fait généralement en l'espace de quelques minutes. De plus, toutes les données que l'on vous demande de communiquer sont sécurisées et confidentielles.
Afin de trouver le meilleur taux, il vous faudra commencer par faire une simulation de votre crédit. Certains comparateurs de crédits vous demanderont seulement certains critères concernant le prêt que vous souhaitez obtenir, comme par exemple, le montant que vous souhaitez emprunter, la durée du prêt ou le montant des mensualités. Vous pouvez faire varier ces critères comme bon vous semble et les ajuster en faisant, si vous le voulez, plusieurs simulations afin de trouver le meilleur taux. Modifier la durée du prêt peut avoir un grand impact sur le coût total du crédit. En effet, pour un crédit s'étendant sur une durée plus longue, le taux sera généralement plus élevé, tandis que les mensualités que vous aurez à payer seront plus faibles. En revanche, si vous souhaitez obtenir un meilleur taux, il vous faudra réduire cette durée, ce qui augmentera en contrepartie vos mensualités. C'est pour cette raison qu'il vous faut avant tout avoir conscience de votre situation et de vos capacités de remboursement afin de définir le montant des mensualités qui vous sera le plus adapté. Il ne faut surtout pas que vous vous retrouviez par la suite dans une situation où vous seriez en difficulté pour effectuer vos remboursements. A ce niveau-là, il est tout de même plus important de payer des échéances que vous êtes capable de vous permettre plutôt que d'avoir un meilleur taux.
L'avantage des comparateurs en ligne c'est que vous pouvez effectuer autant de simulations que vous le souhaitez pour trouver le meilleur taux ainsi que l'offre qui correspond le mieux à vos besoins.
Il faut tout de même noter que même s'ils peuvent permettre de trouver le meilleur taux, les comparateurs en ligne représentent tout de même un inconvénient pour certaines personnes qui trouvent que le fait de ne pas avoir de contact direct avec un conseiller est un frein dans le processus de leur demande de crédit.
Pour trouver le meilleur taux, certains comparateurs de crédits peuvent vous proposer d'entrer vos données en ligne, directement sur leur site, afin de vous trouver les offres qui ne correspondent pas seulement à vos attentes mais aussi à votre situation. Parmi ces données on retrouve notamment des informations sur votre situation personnelle et votre situation professionnelle qui permettront de déterminer si votre situation est stable et si elle est assez avantageuse pour que vous puissiez prétendre au meilleur taux. Ensuite, l'on vous proposera souvent d'entrer vos coordonnées, ce qui permettra d'établir un dossier qui pourra par la suite, être envoyé aux établissements proposant des offres qui vous correspondent et qui ont le meilleur taux.
Vous recevrez alors une réponse de principe pour chaque proposition. Si elle est positive, l'on vous enverra une offre de prêt au meilleur taux, qu'il vous faudra compléter et renvoyer à l'établissement en question, en l'accompagnant des pièces justificatives nécessaires afin que le prêteur puisse finaliser l'étude de votre dossier et vous communiquer sa réponse définitive. Si celle-ci est positive, les fonds du crédit au meilleur taux seront alors débloqués sur votre compte après un certain délai.