Have you been planning to renovate for some time and now want to take action? The important thing is to find the right loan for your renovation work . The canmp offers loans for the renovation of housing on attractive terms.
WHY TAKE OUT A LOAN FOR ITS RENOVATION?
Loans for renovation have the advantage of being perfectly adapted to the profile and budget of the beneficiary of the loan. The amount, the repayment period and the interest rate of the renovation loan are determined according to the needs and the repayment capacity of the applicant.
In the case of unallocated loans, no specific accompanying document is required for the granting of work loans . In the case of an assigned loan, an estimate or an invoice from the craftsman is sufficient. In general, this amount is released immediately.
In practice, a work loan can help you get the work done quickly without depleting your savings. In the case of energy renovation works, this is very interesting because the renovation works can provide a certain return on investment.
WHAT POSSIBILITIES DOES CANMP OFFER?
The camp can support you in your renovation and energy improvement projects for your home. Crédit Agricole offers work loans adapted to each project.
HOW TO ESTIMATE THE AMOUNT NEEDED FOR ITS RENOVATION?
If you want the work to be done by a professional, you can choose one or more craftsmen and then request a quote. You can either hire a company that offers all the services you need, or hire a professional for each type of work.
By using a general contractor, you can benefit from a discount after price negotiation . However, make sure that the company’s insurance is valid at the time of the conclusion of the contract. On the other hand, choosing different trades allows you to negotiate several quotes and choose the best offer.
The longest part is finding a technician. Whichever option you choose, be sure to get at least three different quotes and compare them. This will give you an idea of the average cost of renovations .
For do-it-yourself jobs, check the prices of the materials and tools used. You can do it in store or directly online.
To successfully estimate the price of the renovation work to be done in your home, you must take into account several parameters because they affect the cost of the project. These include in particular:
HOW TO OBTAIN A LOAN WITH CANMP FOR ITS RENOVATION?
a development work loan which is a consumer credit;
a loan for energy renovation This loan allows you to benefit from aid schemes for carrying out work, such as the zero-interest loan and the tax credit for energy conversion.
In addition to the works loan , you can take out optional borrower insurance directly with the canmp.
A FLEXIBLE OFFER
The canmp offers are set up to adapt to your project. Flexibility options can be enabled as needed:
You can stop monthly repayments once a year from the 13th month of repayment ;You can increase or decrease your monthly payments. This change will change the term and cost of your mortgage;
Work loans can be repaid in whole or in part in advance. In this case, compensation is necessary.
APPLY FOR A WORK LOAN FROM CRÉDIT AGRICOLE
If you are satisfied with the simulation, you can apply for a loan online.
If you are already a customer, log in to the customer area and send your request to your adviser.
To receive an answer online.
If you receive a positive response from the canmp , your bank adviser will send you a loan agreement to sign. This can be done by mail or online. If necessary, the counselor will request additional information and documents to finalize your application.
WHERE TO FIND THE CANMP AGENCY?
Crédit Agricole Nord Midi-Pyrénées or CANMP is present in four departments, has 2,134 employees and 180 branches, 156 permanent branches and 7 corporate branches. It serves 654,000 customers in the departments of Aveyron (12), Lot (46), Tarn (81) and Tarn-et-Garonne (82). www.ca-nmp.fr and recorded 2010 million visitors.