Crédit Mutuel Alliance fédérale donne un Coup de Pouce au lendement immobilier

First-time entrants will now be able to count on a new offer to accompany them on their journey towards the Real estate credit. While access conditions have become more stringent and rates have increased in recent years, Credit Mutuel Federal Alliance today launches a supplementary loan called Lance Coup de Pouce to facilitate the journey of first-time graduates.

FACTS

• Crédit Mutuel Alliance Fédérale has just lifted the veil on its brand new home loan offer. Baptised the Lance Coup de Pouce, this new real estate credit is distinguished by its rate fixed at 0.99% without insurance, and capable of financing up to 10% of the amount of loans granted, up to the limit of 30 000 euros, over 10 years.

• The offer is available to all first-time applicants regardless of age. First and foremost, it should allow access to real estate loans by reducing the monthly credit for the first real estate purchases of new or old property in principal residence.

• The Lance Coup de Pouce will be proposed by the Caisses de Crédit Mutuel of the 14 federations allied to the Crédit Mutuel Alliance Federale, by those of the Ocean Mutual Credit and by all agencies CIC.

ISSUES

• Palliate hardening of conditions The conditions for access and granting of real estate loans have been tightened in recent years in France, while the requirements for personal contributions have been revised upwards as well as the borrowing rates. Lately, it's also end of the system the review of requests for denied appropriations which has further worsened the situation. According to the Fédération bancaire française (FBF), the scheme involved only a few dozen cases out of 2024 and this failure led to its abandonment for 2025.

• Respecting its status : Credit Mutuel Federal Alliance highlights its status from enterprise to mission to justify the launch of this new initiative aimed at participating in the revival of real estate activity in France but also and above all, to support home ownership. This new offer also follows the group's efforts as Crédit Mutuel Arkéa launched For its part, in July 2024, an innovative co-investment scheme aimed at facilitating access to property for first-time dealers. CIC open in September 2024.

• Offer an offer package : The launch of this new offer also represents, for Crédit Mutuel Alliance Federale, a means of revitalising the marketing of all its offers around housing, in terms of insurance, of protection of the home or other Box.

PERSPECTIVE

• Crédit Mutuel Alliance Fédérale is not the only actor who has stood in favour of home ownership support in recent months in France. In order to cope with the tightening of borrowing conditions, banks, FinTechs and real estate developers have indeed mobilized.

• The real estate developer Cogedim deployed a new financial aid scheme to support its clients in the purchase of a new property in February 2023. Since then, BPCE has also chosen to mobilize itself by offering, through its Banque Populaire and Caisse d'Epargne entities, a financing solution for the exclusive use of first-time applicants under 36 years of age, and wishing to finance the purchase of their principal residence. This offer was presented last October.

• More recently, the FinTechs Yomoni and Pretto have made the choice of the association in order to help the French to better prepare their real estate projects, by relying on savings and the creation of personal contributions.

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