-
© Copyright 2021 GSI Conseils Finances & Assurances Sàrl
All rights reserved.
- info@g-si.ch
- Genève
- 022 512 20 20
- Vaud
- 021 512 01 01
Menu
Whether you want to :
All this can sometimes be a source of concern and questioning. Giovanni Singarella,financial advisor and real estate broker in Geneva and Vaud, is the professional you need for all your real estate financing needs.
The various stages of obtaining real estate financing require a lot of time and energy. A real estate finance professional has a real understanding of financing policies, complex and changing finance laws, and pricing practices. Thus, a real estate financing broker will be your ally in the search for your financing.
Giovanni Singarella will accompany you throughout your real estate financing project:
Do you want to buy a property? Perhaps you are hesitating between a house and a flat? In order to make the right decisions and realise your dream of real estate financing in Geneva and in the canton of Vaud, trust Giovanni Singarella is a financial advisor in French-speaking Switzerland.
We are committed to providing simple, fast and efficient real estate financing advice. We help all individuals and families who wish to do so to find the most appropriate property financing in a transparent manner. We offer our real estate financing services in Geneva and the canton of Vaud.
Trade and financial flows are becoming increasingly complex. That’s why Giovanni Singarella, Swiss financial advisor, simplifies the process by providing you with useful and precise solutions for your property financing.
With many years of experience in real estate financing, Giovanni Singarella uses a unique contact with each of his interlocutors for the real estate financing services offered.
A mortgage is a right of pledge on real estate: it is a right that gives its beneficiary (the lender) the possibility of selling the real estate to be repaid. Except in cases where a person can finance the entire project with his or her own funds, the mortgage is concluded when :
By abuse of language, mortgage often refers to a credit granted by the lender. To be precise, this is referred to as a mortgage loan.
In order to obtain a mortgage loan from a bank or insurer, two main criteria must be met: the loan-to-value ratio and the debt ratio, which is the basis on which the lender agrees to grant a loan.
A mortgage can be taken out with a bank, an insurer or a pension fund in Switzerland. However, the bank remains the first point of contact for property financing. The large number of institutions that can assist you in your project allows you to compete for the best conditions. However, the offers on offer can vary greatly, so it is a good idea to get advice from a broker for your home financing project.