You have just signed a sales agreement and are now looking for the best possible financing for your real estate purchase. Which bank will offer the best mortgage rate? Or more precisely the lowest APR (Annual Global Effective Rate)?
This tool put forward by all the banks in their offers includes all the costs incurred by the subscription of a mortgage. The nominal rate, used to calculate the interest on the loan, the application fees, the fees paid or owed to intermediaries, borrower insurance, the costs of guarantees (mortgage or surety bond) etc. It is expressed as an annual percentage of the amount borrowed.
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