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Certaines mentions doivent obligatoirement figurer dans l’offre de pret immobilier. Tout d’abord celles concernant les deux parties :
Nom et adresse de l’organisme prêteur
Identité et coordonnées de chaque co-emprunteur
Nom et adresse des cautions, le cas échéant
Les caractéristiques et les modalités du crédit ainsi que les conditions d’assurance, ensuite :
Nature de l’emprunt (in fine, amortissable) et type (PTZ pour les primo accédants, prêt aidé ou classique)
Détail des souplesse en cas d’emprunt modulable
Montant
Taux d’intérêt (fixe ou variable, taux nominal et TEG).
Durée
Détail des frais (pénalités de remboursement anticipé et frais de dossier) et le coût global
Nom et adresse de la compagnie d’assurance ainsi que le montant des cotisations et la nature des garanties souscrites
Garanties (hypothèque, IPPD, caution mutuelle, nantissement)
Mise à disposition des fonds qui ne peut intervenir avant l’acceptation
Gérée par FICP FINANCE
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