Yomoni and Pretto join forces to better prepare real estate projects
FinTech Yomoni, leader in online savings management, and FinTech specialized in real estate loan brokerage Pretto recently formalized their strategic partnership to facilitate access to property for the French. How? By combining their expertise to put long-term savings at the service of real estate projects and their financing.
FACTS
The FinTech specializing in real estate loan brokerage Pretto has just integrated Yomoni's investment offers into its customer experience.
The stated objective of this rapprochement between the two FinTechs is clear: to help the French finance their property. The two partners believe that the reconciliation of their services should allow future borrowers to optimize their savings and ultimately their borrowing capacity.
Yomoni thus highlights its investment solutions adapted to future borrowers, based on boosted euro funds and portfolios managed according to client risk profiles (and promoting prudent and diversified management).
Pretto allows its customers to access Yomoni's savings offers, directly from their loan simulation page. The idea is to help future borrowers consolidate their contribution to increase their borrowing capacity.
To ensure the launch of this new partnership, Yomoni and Pretto will allow all new life insurance policyholders via Pretto to receive a premium of up to €2,000. The offer is valid until March 31.
ISSUES
- An association of experts Pretto and Yomoni highlight their expertise and status as leaders in their respective markets. Pretto estimates that it has accompanied more than 300,000 clients in their search for real estate financing since its creation. Yomoni has over 1.5 billion euros under management and 60,000 customers.
- Preparation upstream of projects : The two new partners rely on the upstream preparation of personal finances and savings for future borrowers. The real estate projects representing for a majority of French people the project of a life, Yomoni and Pretto propose to accompany them together and on the long run towards their realization.
PERSPECTIVE
- The real estate lending market has seen notable developments in recent years in France. After historically low rates, interest rates rose to 4.47% by the end of 2023. In 2024, a downward trend began, reducing the average rate to 3.38% for a 25-year loan on December 1, 2024, and to 3.24% in January 2025.
- But it is above all the conditions for granting real estate loans that have been tightened. This is due in particular to the completion of the review mechanism for rejected applications, but also to the increase in the requirements for personal contributions, now set at at at least 10 % of the amount of assets financed.
- The new joint offer proposed today by Yomoni and Pretto therefore makes sense in this context.
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