Le GUIDE ULTIME du crédit immobilier (explications simples + astuces de pro)

Understanding everything about mortgages is what I offer in this comprehensive video. Fixed or variable rate? Borrower's insurance? Borrowing capacity? Early repayment? Refinancing? In this highly informative guide, I explain everything you need to know before taking out a mortgage, whether it's to buy your primary residence, make a rental investment, or simply better understand the rules of the banking system. 🎯 Goal: to help you borrow with confidence and avoid common pitfalls. 🕒 CHAPTERS 00:00 – Introduction 00:23 – What is a mortgage? 01:12 – Fixed vs. variable rate 03:10 – The APR and the usury rate 05:11 – The different types of mortgages 10:06 – How does repayment work? 13:43 – Can you renegotiate or refinance your loan? 15:40 – How to calculate your borrowing capacity? 22:45 – Borrower's insurance: role, laws, optimization 25:28 – Application fees: how much and how to negotiate them? 26:53 – Mortgage guarantees (surety, mortgage, PPD…) 29:42 – Where to apply for a loan: bank, broker, online? 32:38 – Conclusion and advice 💡 Feel free to ask your questions in the comments, I answer everyone 👇 📩 To be put in touch with a broker or for a personalized simulator: contact me on Instagram or LinkedIn (links below)! 📞 Free Coaching — 20 minutes to unlock your situation You want to invest but: you don't know where to start you're stuck on financing you're afraid of making a mistake 👉 I'm offering you a free 20-minute call to assess your situation and help you take action. Book your slot here ➜ https://calendly.com/loic-madhani/20min 🛠️ My tools & recommendations (tried and tested) To go further, here are the tools I personally use and recommend. By using these links, you support the channel (at no cost to you 🙌) Mortgage insurance: 🔗 Kidonk — Stop paying through the nose for your loan insurance 👉 https://www.kidonk.fr/loic 💸 Code: Loic30 Non-occupant owner insurance: 🔗 Keyni — insurance dedicated to investors 👉 https://keyni.eu/?utm_medium=LOIC5 Real estate accountant (LMNP, SCI…): 🔗 Amarris Immo 👉 Send me your contact information (name, surname, phone number, email) and I'll connect you Property management: 🔗 Horiz.io — profitability calculation + property management 👉 https://bit.ly/3NiFZ63 📲 Join me here 💬 Instagram:   / loicmadhani   💬 TikTok:   / loicmadhani   💬 LinkedIn:   / lo%c3%afc-madhani-16883644   ⚠️ Disclaimer Some links may be affiliate links. If you use these links, I may earn a commission, at no extra cost to you. This allows me to continue creating free, high-quality content 🙏 New real estate, off-plan sales, real estate investment, buying new, mortgage, zero-interest loan 2026, rental profitability, furnished rental property (LMNP), rental investment for beginners #mortgage #mortgageloan #realestate #realestateinvestment #bank #mortgagebroker #mortgageinsurance #APR #usuryrate #mortgage #borrowingcapacity #fixedrate #variablerate #applicationfees #mortgageguarantee #cmadhanilaw