Real estate credit: renegotiate your rate without cost thanks to this bank, on mobile

Boursobank launches this Thursday, May 15, a feature allowing its customers holding a mortgage to lower their rate from their smartphone. This, without renegotiation costs. “A first,” says this subsidiary of the SG group.

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You bought your accommodation in full swing for mortgage rates, whenThey exceeded 4%in the fall of 2023. You had no choice, pressed by the arrival of a baby and by a professional change. Credit rates have since been considerably established, to stagnate for two months at 3.20% on average over 20 yearsthe most common credit duration, according to data from broker You are. Or a credit renegotiation is interesting from the moment the difference between the initial rate of your loan and the average market rate is of the order of a pointaccording to its besttaux competitor. The current period therefore seems conducive to first rate renegotiations.

This is why Boursobank launches, this Thursday, May 15, “Free and 100% online renegotiation of real estate credits”. This subsidiary of the SG group (ex-general company) claims to be “The first bank to offer holders of a mortgage the possibility of Review their monthly payment (of reimbursement) in a few clicks and for free “. Until now, renegotiating a mortgage rate required several telephone calls to the banking advisor and the exchange of various documents.

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No credit renegotiation fees

Now, Boursobank customers will be warned of the opportunity to renegotiate their mortgage rate via a “Push” notification On their smartphone. In addition to the rate difference, “It is necessary that 100,000 euros of credit remains due and that it was subscribed at least a year ago“, Specifies Capital Xavier Prin, director of marketing and communication at Boursobank.

By clicking on the “Credit Details” tab in its personal space on the mobile application Boursobank, or on the bank’s website, the borrower sees the reduction of his reimbursement monthly payment allowed by the drop in the rate. It is then enough for him to click to accept the renegotiation. About ten days later, at the end of the legal period to accept a mortgage offer, he will then be able to electronically sign an addendum to his loan contract. A completely free process, insists Boursobank, with zero file of case fees and no renegotiation fees. “Until now, we billed 700 euros in renegotiation fees. They disappear with the launch of this functionality »specifies Xavier prin. Which adds that such a renegotiation “Is only possible once a year”.