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ALPESVENTE SAINT-JEAN-D'AULPS VILLAGE
1852 Route des Grandes Alpes
74430 Saint-Jean-D'aulps


06 79 02 03 62
ALPESVENTE ALLINGES
1200 route de Noyer
74200 ALLINGES


06 79 02 03 62
ALPESVENTE SAINT JEAN D'AULPS STATION
2932 route de la Moussière d' en haut
74430 SAINT JEAN D'AULPS


06 79 02 03 62

The duration of a mortgage depends primarily on the amount you borrow, but above all on your borrowing capacity. The more money you make, the faster you can pay off your mortgage. We explain how to choose the duration of your loan in this article!

1. The duration of a loan depends on the amount you borrow!

The choice of the duration of your credit will obviously depend on the amount you borrow! In most cases, the longer you borrow a large amount of money, the longer it will take to pay off the principal. This is why large mortgage loans generally pay off in 20 or 25 years.

2. Does property loan insurance have an impact on the term of the loan?

The insurance of a property loan has no impact on the duration of the credit! The property loan insurance rate is mandatory and is in addition to the interest you pay monthly. If insurance has no impact on the duration of your monthly payments, it is in your interest to choose the best mortgage loan insurance to reduce the overall cost of your credit.

3. Mandate a real estate broker to negotiate a loan

If you want to take out a loan at the best rate, and for the duration of your choice, you can mandate a real estate broker to help you negotiate your loan as well as possible! Real estate brokers are professionals in the banking sector and will help you find the best loan offer to finance your project.

There are paid real estate brokers, but also free real estate brokers if you decide to go through an online broker!

4. The duration of a loan also depends on your borrowing capacity

Finally, the duration of your loan will be influenced by your ability to borrow, regardless of the amount you decide to borrow to finance your project. The bank generally considers that you cannot go into debt more than 33% of your monthly net salary.

Borrowing capacity at maximum debt ratio:

It is this maximum debt ratio that will determine the duration of your loan! The more money you earn, the higher your repayment capacity, and the faster you can repay your credit. Hence the interest in better negotiating your loan to benefit from a lower interest rate, and therefore lower monthly payments. This will help reduce the duration of your credit. To find out more, visit here.

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