Discover the different mortgage loan guarantees.

 

 

The four groups of different mortgage loan guarantees

The four groups of different mortgage loan guarantees

The various mortgage loan guarantees can be categorized according to the type of organization that dispenses them.

  • Mortgage and priory lien registration
  • Bank guarantees
  • Mutual guarantees
  • The pledge

Mortgage and lien registration of money lender

Mortgage and lien registration of money lender

Mortgage and lien registration (IPPD) are at the initiative of the state. The IPPD allows to guarantee already built goods, goods for which there can be a transfer of ownership, while the mortgage makes it possible to guarantee the non-tangible goods (sales in the future state of completion, construction of a home or renovation work,)

The bank guarantee

The bank guarantee

Bank guarantees are real estate loan guarantees from surety companies. These companies were set up by the banks themselves, financial institutions or groupings of banks in order to reduce the costs of government guarantees paid by individuals. The best known sureties are:

    • The Crédit Logement guarantee from a group of major French banks
    • The SACEF bond of Groupe Caisse d’Epargne
    • The MHC bond of the Mutual Credit Group
    • The CAMCA guarantee of Crédit Agricole
    • The SOCAMI deposit of Banques Populaires

The mutual guarantee of official

These are the guarantees of the mutual guarantee societies called “mutual guarantee” or “mutual guarantee of civil servant”. Officials in certain occupational categories may have access to it, including:

    • National Education and the Ministry of Research and Culture, through the bail Casden (Bank of Education, Research and Culture) or the bond MGEN (Mutual General of National Education)
    • From the French Atomic Energy Commission (CEA)
    • Military Military Provident Group (GMPA)
    • Mutuality of the Public Service (MFP)
    • From the RATP
    • From the SNCF

The pledge

The pledge

The collateral which is a guarantee made by the borrower himself. The collateral is based on a sum of money blocked in the form of life insurance for example.

To receive information on the various mortgage loan guarantees from one of our experts, submit your mortgage application.