French types

[bobleponge]

Do any of you Frenchies have any idea of a bank that does a flexi style mortgage like we have in the UK.
I whinge often about the dinosaurus system of French banking, and this is another one.
Ta.

[Patchninja]

This looks like what you could be looking for. Don't have one any more. Oh bliss!
Crédit immobilier Facilimmo - Crédit Agricole

[bobleponge]

Hmmm, I'm with CA and I went to see them and was told I couldnt do it. Because my mortgage is more than 4 years old its impossible to change. My parting shot as I left was that my account would be moving, and when asked why I replied "parce que le monde bouge." For those that watch French TV, you will understand the look I received.

Something like the Virgin 1 account or along those lines is what I'm really looking for. I'm earning decent cash at the mo, and I want to be able to chuck some more against my mortgage, as I could if I was in the UK without even thinking about it.

[Patchninja]

But it says this :
combiné à d’autres crédits immobiliers (types prêts aidés ou épargne logement (1))
Perhaps you have a "responsable d'agence" who's a bit thick?

[bobleponge]

I was incredulous when he told me it couldnt be changed, so I demanded he phone le siege for assistance.
They gave him exactly the same reply, I've had my mortgage for more than 4 years so it cant be changed.

CA, for all the support and assistance they have given me over the last 15 years just havent moved with the times. I cant even pay a cheque into my account if I'm outside my department. Incredible.

I have been trying to find something similar, and Mme P went to her bank yesterday and asked on my behalf if they did such a thing, but it appears not. I may have to resort to getting a UK mortgage on my place to pay it off quicker, which I really dont want to do, but money is money and all that.

[Jardiniere]

exchange rate is improving at least............

[Nicos]

I may be wrong- but don't the French actually make you a loan as opposed to a mortgage????


...and yes- the rate is improving...just after we transfered a pile of dosh!

[Patchninja]

I'm pretty sure mine was a mortgage......I'm with the CA