Real estate credit: with AI, a colossal time saving to get your loan

Between the moment you mandate a broker to find you a mortgage and send your file to banks, it usually flows at least a week. Find out how AI is accelerating the processing of your credit request.

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If there is a stressful phase in a real estate purchase, it is the Credit search. Will a bank agree to finance you? If yes, will the loan offer come within the time required by the notary to sign the act of authentic purchase? This last question has a number of borrowers at the beginning of July. “Banks with less staff during the long holidays, I advise buyers with a loan offer to accept it, even if the rate is a little higher than what they would like, so as not to risk, while negotiating, to find themselves out of time to sign at the notary ”entrusted recently to Capital Pascal Courtois, manager of banking relations at Artémis Courage.

“”Our customers are often frustrated by processing times of their credit requests, as well as by the opacity of the process. Unless they call the broker, they ignore where their file is ”recognizes Renaud Pestre, co -founder of the Pretto broker. In the broker discharge, the number of documents to provide to obtain a mortgage is enormous, so that they devote “70% of their time for administrative tasks and 30% to customer relations”explains the manager. But AI (artificial intelligence) now makes it possible to reverse these proportions, he assures. Not only does the broker have more time to keep the borrower because of the evolution of his request, but above all, the processing of this is shorten “Colossal»»underlines Renaud Pestre.

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With AI, a few seconds to decipher 150 pages

In order not to depend on a single IA language editor, and to play on their complementarity, Pretto uses four: Open AI (Chatgpt), Mistral AI, Google and Anthropic. The latter “Is very strong to write well, while Google is stronger to analyze documents”illustrious Renaud Pestre. The analysis of documents, precisely, is the bulk of the work of the broker and it is very time -consuming. However, in your salary slip, for example, AI knows how to perfectly identify the data that your broker needs to set up your financing file, provided that it has written an effective prompt (instructions). Name of the borrower, Net income taxable monthly, month of editing the salary slip … In a few seconds, the AI ​​spots all of this.

Ditto for your bank account statements: AI identifies the name of the bank, that of the account owner, the start and end of the statement, as well as the final balance. Again in a few seconds, when several minutes are necessary for a human being. Analysis of the sales compromise, a 150 -page document, does not pose no more problem at AI. In no time, she is able to tell the broker what is the famous deadline to send the loan offer to the notary. AI is also Very useful when sending the file to banks : In two stages three movements, she writes a synthesis of the profile of the borrower capable of making the banker want to look at the demand. Please note, do not have fun improving the note of the energy performance diagnosis of your accommodation in the hope of winning a better rate, the AI ​​will perfectly cross it with the DPE directory of the Ecological Transition Agency (ADEME)!

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Thanks to AI, ultra reduced processing deadlines

Result of the races, a period of processing of the file by the broker divided by approximately five! Between the moment when a borrower mandates a broker to find him a mortgage offer and the moment when the broker sends the file to the banks, “It is usually sold for a week. With AI, you can complete a file in less than a day»»says Renaud Pestre.

The rest of the process is no longer the responsibility of the broker, but the banks, too, resort to AI in order to accelerate the processing of real estate financing requests. At BNP Paribas, since June, the period between the customer’s agreement on the loan offer and the electronic publishing of this fell to 6 days, against 12 previously, thanks to the delegation of document management at AI. The objective: still shorten this period, 3 daysin January 2026, for the simplest files.