Customer journey
If you're here, it's because you've already chosen our brokerage firm and an advisor who will support you throughout the financing process.
Within the framework of our activities, we have an obligation of loyalty, information and transparency with regard to the procedures and means implemented by Alsace Conseil Courtage within the framework of the customer relationship.
That's why the timeline below takes you step-by-step through the entire process.
Contact us
Whether you contact us directly via the contact form on our site, a professional partner, through a recommendation or Google reviews, etc., this is the first step on the road we are going to travel together with the same objective: get you the best possible financing for your property project.
Now is the time to set the date of our first appointment within 7 days according to your availability.
You will receive confirmation of this appointment by e-mail or text message, as well as a confirmation of your appointment. contact form to be validated by us before taking any steps or gathering more information about your project.
Choice of service type
Alsace Conseil Courtage can offer you 2 options types of support :
- Renegotiating your loan insurance contractThis may or may not have been underwritten by us as part of a previous project carried out with us;
- The mandate to seek funding, for any property project: property purchases for private individuals or professionals, debt consolidation, loan repurchase, rental investment, works financing, balance repurchase.
And, of course, theloan insurance if you like!
Don't hesitate to talk to your advisor about your plans!
Entering into a relationship
This stage formalises the start of collaboration between you (the customer) and us (your broker).
This DocumentEntry in Relation (DER) is designed to introduce you to professional references necessary to carry out our :
- Banking and payment services intermediary
- Insurance intermediary
The document is available online and you can validate it with a code sent by SMS.
This stage also enables us to make sure that you (prospect or customer) have a valid valid email address which you will use for the rest of our discussions.
This is also an opportunity, if you wish, to tell us about your interests. preferences for communicating your case (preferred days and times, whether or not to open a customer area, etc.)
Gathering information
It is essential that you provide us with a certain amount of information, and that this information is always accurate and up-to-date.
There are several ways of sending them to us:
- Your e-alto borrower's area (if you opted to open it when you first contacted us)
- Online information form
- Information sheet PDF
First appointment
Duration: 1 hour minimum
Methods: telephone, video, in person, at your home or at our offices, depending on your preferences and your advisor's availability.
This first meeting will be an opportunity for us to confirm together the type of support you would like to receive.
It's also an opportunity to :
- assess your borrower profile and specify your financing plan
- to explain to you once again the approach that we apply and the successive stages of this financing path
- from answer your initial questions
- to present and sign the mandate to seek financing which will enable us to represent our partner banks or the performance contract which will missions and thesupport from which you wish to benefit.
Simulation or envelope calculation
Carried out during this first meeting, on the basis of the information requested by your advisor, this initial study will enable you to :
- to find out if your project is viable and whether it's the right time for you to borrow given your current situation
- if this is the case, toestimate the financial envelope for your project
All depending on your borrower profile (income, savings and assets, outstanding loans, etc.)of your project (monthly payment required, type of property required, etc.), and knowledge of our customers' needs. partners and banking agreements.
Attestation de faisabilité (facultatif)
À la demande de votre agent immobilier, votre conseiller peut établir une attestation de faisabilité, avant même d’organiser une visite.
Ce document vient en appui du calcul d’enveloppe réalisé lors de votre rendez-vous suite à l’analyse des documents et de votre situation personnelle. Il permet de rassurer le vendeur ou l’agence sur votre capacité à emprunter.
⚠️ Cette attestation n’est pas un accord de principe bancaire : elle constitue un élément de confort, mais ne remplace pas l’instruction complète de votre dossier de financement par la banque.
👉 Demandez à votre conseiller si cette étape est pertinente dans votre situation.
Contractualisation of the assignment
This document formalises in writing the contractual relationship between Alsace Conseil Courtage and you in respect of the mission ofintermediation (mandate to seek financing) or advice (independent advisory mandate).
Unless explicitly requested by our customers, contracts are signed electronically by the various stakeholders.
To pre-fill the mandate, we will ask you to answer the following questions a few questions about your knowledge of mortgages. This can be done in person with your representative or electronically. via this short MCQ.
Document collection and completeness of information
You have completed a information form and provided information to your authorised representative, but you may not yet have sent the corresponding supporting documents.
If so, now's the time to do it! You can still send documents to your advisor from your borrower's area (if you have opted for this option) or the deposit form for your advisor.
It is essential that you submit all the documents requested so that your application can be processed.
A missing or out-of-date document can cause your application to fall behind schedule. So be vigilant!
Insurance quote (optional)
Depending on what was agreed with your agent when the mandate was signed, his or her remit may include finding the best insurance for your mortgage.
This can be taken out directly with the bank granting you the loan, or under a delegated arrangement with one of our insurance partners. Your borrower profile and the negotiations with the bank will determine whether or not the insurance can be taken out on a delegated basis.
To make these estimates, we will ask you to answer a few questions.
Find out more about our insurance partners.
Submission of funding applications
Your advisor forwards loan applications to banking partners for which Alsace Conseil Courtage has an agreement that most closely matches your borrower profile. The advantages of your file are highlighted by your agent in order to obtain the best possible terms for you.
You will also be informed of the quid pro quos expected by the bank if the loan application is accepted.
Banks' response
Within an average of 7 days, you will be informed of the bank's decision, the terms and conditions of the loan and the terms and conditions of the loan. conditions obtained in the event ofagreement or the motif in the event of refusal.
This agreement in principle constitutes pre-acceptance. It is a first encouraging sign for borrowers wishing to obtain financing. However, an agreement in principle has no value under the Civil Code; it is simply an expression of good faith on the part of the bank.
Your broker will follow up with the bank if necessary and act as an intermediary if any updates or additional information is required.
Choosing the best financing solution
If you have received several positive repliesyour advisor will take care of analyse them with you during a second appointment (physical or telephone) to validate the proposal that best meets your expectations and criteria.
File info updates
It may take some time between the first submission of the supporting documents and your decision on the proposal. If certain documents (payslips, bank statements, etc.) are no longer sufficiently up-to-date, the bank may ask us for updated documents.
It is also important and mandatory from notify us of any changes in your situation which may or may not have a positive impact on your application.
Presenting the risk and awaiting approval from the surety company
The bank assesses the risk of your application. The riskier the loan, the longer it will take to get a response.
It asks you for a guarantee on the property purchased on credit. The purpose of this guarantee is to protect the lending institution against credit risks.
If the borrower fails to repay all or part of the loan, the bank can draw on this guarantee to recover what remains of the sum due.
There are different forms of guarantees whose surety bond which will be explained to you by your adviser depending on the type of case you have.
Bank appointment
As well as being the first meeting with your new/future bank adviser, it's also a time to introduce yourself. the terms and conditions of the loan offer you will soon be signing : the terms of the contract, a reminder of the quid pro quos expected by the bank, early repayment indemnities, the possibility of modulating or postponing the maturity date, loan insurance, etc.
Unless there is a case of force majeure, your advisor will always accompany you. He or she is the guarantor of compliance with the conditions and quid pro quos agreed together.
The banking appointment is sometimes also an opportunity to discuss other banking services that the bank can provide.
Submission of mission report/confirmation of mandate
This is an important step, enabling validate together that the conditions obtained with our banking partner meet your expectations.
This is a document which includes main terms and conditions of your financing as well as the our fees. It is electronically signed in just a few minutes.
Insurance comparison: rates and cover (optional)
Validating your loan insurance contract is important because it can have an impact on the granting of your mortgage.
Your broker will help you choose the best insurance policy for your needs, based on what you said (illness, high-risk sport, etc.) and terms and conditions offered by insurance companies (monthly instalments, guarantees, instalments, any exclusions and additional premiums).
Renegotiate your loan insurance to save money
Don't forget that, thanks to the Hamon and Lemoine laws, you have the right and the opportunity to cancel your insurance contract and take advantage of the competition.
Editing the loan insurance contract
Le choosing and signing the insurance contract are carried out after the loan application has been made, except in the case of insurance only (underwriting or renegotiation).
If it is not taken out with the lending bank, the contract will have to be sent to the bank before the loan offer can be issued.
Editing the loan offer
Once validated by the bank, your application is sent to the loan offer publishing service. This stage can take from a few days to 1 or 2 weeks depending on the bank.
It can even be extended during school holidays or public holidays. Make sure you include this stage in your planning.
Signing the loan offer
Your bank gives you a mortgage offer (by post or electronic signature). A mandatory 11-day cooling-off period (loi Scrivener) must be respected in order to return the signed offer.
Now is the time to send a copy to your broker and notary for verification.
Release of funds
Le release of funds is the final stage in the mortgage application process. It takes place just after the borrower has accepted the offer of a mortgage and you to finalise the purchase of your property.
This may require a time to anticipate to predict signature in the notary.
It is best to send your request to release funds to your banker at least 5 days before the date of signing at your notaire's office.
Receipt of your invoice for our handling fee
Once the funds released and the mission accomplishedYou will receive an invoice for our brokerage fees.
Our handling fees can be part of the call for funds to the notary and be paid directly to us by the latter.
If this is not the case, you will have to pay the invoice in making a transfer yourself or by us sending a cheque.
Bank advisers increasingly rarely make transfers, even at the explicit request of the customer, and will sometimes charge you a fee for doing so.
You're better off doing it yourself.
Notary signature (optional)
Depending on your project (acquisition in particular), you will sign the final deed at a notary's office.
It is the practice of some of our agents (if this is also your wish) to accompany you and/or take part in part of this meeting.
Find out more from the agent you have chosen.
Leaving us a review on the networks will help us a lot
Payment of sponsorship to your sponsor
If you have been referred to us, your referral is eligible for our referral offer.
To do this, you need to be registered and your loan application finalised (loan offer signed and funds released).
The amount of sponsorship paid is determined in advance with your representative and can range from up to 300 euros.
It is only paid once the finalised file and the fee invoice paid.
It's your turn to sponsor!
Sponsor your friends and family too (family, friends, work colleagues, associations) and take advantage of our sponsorship offer.
Follow us also on the networks:
End of the financing process
This is the end of your financing route but not necessarily the end of our collaboration.
We remain open to your questions and available for accompany you on other upcoming projects :
- a question on the credit or theloan insurance subscribed through us (deferment of maturity, modulation, early repayment, accidents of life, sick leave, disability, death and help with managing your insurance contract, etc.)
- a group of credits
- a purchase of an equitable settlement (in the event of separation)
- a renegotiation of your credit or loan insurance in the near future.
- ainvestment rental and/or tax exemption
- the preparing for your retirement
Some of our agents are also asset managers and can help you make the most of your savings and assets. Think about it!
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