Crédit Immo : Ce que vous pouvez négocier avec votre banquier (et comment faire)

How do banks (really) decide whether to grant you a loan? 🏦 A banker from one of France's largest banking groups breaks banking secrecy and gives you the keys to securing your application. When you submit a mortgage application, what happens once the office door closes? What criteria turn a "maybe" into a definitive "yes"? In this exclusive interview with Sans Compromis, Philippe de Pretto speaks with a financing expert to decipher the inner workings of loan committees. Speaking frankly, she reveals what banks look at first, the deal-breakers to avoid in your accounts, and above all, everything you can negotiate (and that they never tell you about). 🔥 What you'll learn in this video: The Secret Checklist: The strict criteria banks use to assess your profile. The Power of Negotiation: Interest rates, application fees, mortgage insurance... how far can you go? Trade-offs: What the bank expects from you in exchange for an excellent rate. 📍 CHAPTERS: 00:00 - Behind the scenes at a bank: what they never tell you 05:00 - BPCE's ambition 10:00 - When should you see your bank advisor? 11:10 - Can you get help from the bank when buying an energy-inefficient home? 15:35 - The profile preferred by Caisse d'Epargne 23:00 - The red flags that will get your application rejected 25:00 - A tip for getting your non-standard application approved 31:15 - The strategies of the different Caisse d'Epargne banks 36:17 - How are mortgage rates set? 45:00 - Should you be afraid of your banker? 48:00 - The Bank/Broker Relationship 50:00 - Advice for a Prospective First-Time Home Buyer WHO ARE WE? Pretto is your online mortgage broker. Our mission? To make mortgages simple, transparent, and accessible to everyone thanks to cutting-edge technology and dedicated experts. The Pretto website ► https://www.pretto.fr/ JOIN THE COMMUNITY: 🔔 Subscribe so you don't miss the May rate update: https://www.youtube.com/@prettofr?sub... 💬 Have a question about your loan offer? Ask it in the comments, and our experts will answer! #mortgage #banker #realestatepurchase #housing #pretto