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> BY PHONE <
"Agence en Ligne" at
33.1.76.61.49.92, from Monday to Friday, from 8:30 a.m to 6:00 p.m. Saturday
8:30 a.m. to 4:30 p.m.
From FRANCE: 0892.892.777 (0,34€/min)
Online banking services (phone and e-mail) are only reserved for Agence en ligne customers and new customers who have an interest in our department . |
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 Financing your french property -> How to respond to the mortgage offer
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1 - You receive our Mortgage offer by post
The letter will include:
2 copies of the mortgage offer with 2 acceptation forms
2 copies of the theoretical repayment chart
An envelope to return the signed mortgage offer
2 - Reading the mortgage offer
Read all the documents very carefull, if you have any questions your branch office will be ready to take your calls.
3 - Wait 10 days
In France, there is a cooling-off period of 10 days, which is enforced by law, and must be strictly respected.
So in fact you must not reply to the bank before these 10 days have passed, and the date frank from the post office is proof that this delay has been correctly respected.
Example :
| You receive the mortgage offercooling-off period |
1st date of reception at bank |
| 3rd of April(4..5..6..7..8..9..10..11..12..13) |
= 14th of April |
You have between 11 and 30 days to return the accepted offer, from the date of reception.
4 - Each borrower to complete and sign the mortgage offer
A) Sign your initials at the bottom of each page (in the box provided). You must also sign your initials on the repayment chart.
B) Sign the mortgage offer and write the phrase ‘lu et approuvé’ (which means ‘Read and approved’).
C) On the ‘récépissé de la remise de l’offre’; write the date of reception and sign.
D) On the ‘bordereau d’acceptation’ (mortgage acceptance form); put the acceptance date (beware of the legal delay of 10 days), followed by your signature(s) and add the phrase: ‘Bon pour la somme de……..’
5 - Return a copy of each document in the prepaid envelope
Return a copy of each of the signed documents (the mortgage proposition, the acceptance form, and the repayment schedule), in the envelope provided, together with the original envelope which we used to send you the paperwork. if this is unclead, please don't hesitate to ask!
It is very important that you also return the envelope in which we sent you the proposition.
6 - Keep your copy safe
You are required to keep the second copy safe during the term of the mortgage.
Please take great care to respect the above procedures and formalities, otherwise your project can be delayed.
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