Banks and Insurance France

Considered today as a - very - small bank, the IPO is specialized in real estate acquisition and management. In a classic offer of loans, for example, the triple, particularly effective triple-security rate loan. Banking advisors are also experts in terms of mortgage financing. A complete and satisfactory range that makes a relatively poor customer service more acceptable.

You dream of becoming owner of your accommodation, you want to carry out work,
to change your interior decoration, change your car or simply make fun? At the Caisse d'Epargne, you will find a financing solution tailored to each of your projects. Above all, it asks you to evaluate your budget before embarking on any purchase project, because it is this evaluation that determines your project. Then comes the questions of the savings I can have, the personal contribution and otherwise the investment possible to carry out its project! Set up an ELP (Plan of Accommodation) and a CEL (Epargne Logement Account), which are investments specially designed to allow you to make a personal contribution and to be able to benefit from a mortgage loan on preferential terms. These investments benefit from an advantageous rate of pay in addition to a State premium if you purchase a real estate loan under the ELP or the CEL. With a CEL, you can borrow up to € 23 000, after 18 months of savings, and with an ELP, up to 92 000 € after 4 years. If you earn the 2, you can borrow a maximum of 92 000 €.

Expert in private property financing and development, Banque Patrimoine & Immobilier puts its Know-How at Your Service to help you achieve your real estate projects in the best conditions of security and profitability. Indeed, if you want to acquire a principal or secondary residence, in the old or in the old, make the building… the bank helps you and brings you the solution most suited to your situation.

Owned by Caisse d'Epargne, the Palatine Bank specializes in heritage management. With its 52 agencies in France, it is still one of the few human-sized banks, and can offer its customers prestige relations and quality service. Moreover, its heritage advisors make the loyalty of their high-end customers one of their priorities. Côté offers a full range of products at all rates (fixed, semi-fixed, adjustable, in fine, etc.) as well as efficient real estate credits backed up by tax exempt products. Despite sometimes long responses, the service is impeccable and the competent advisers.

The Casden Banque Populaire is a bank with a little extra soul. It has a particular relationship to ethics. A company of the social economy, it participates in the defence of strong values such as solidarity, equality, mutual trust… You will say, as it is the cooperative bank of education, culture and research professionals. That is not your case? But maybe you have one of your relatives (ascendants or descendants) who can put you in the loop?

Crédit Agricole du Languedoc, led by Jacques Boyer and Véronique Flachaire, has almost thirty agencies in Montpellier alone. Each and every quarter has its own Crédit Agricole, an exemplary proximity service. For real estate loans and "comfort" loans, the bank offers several types of credit to its clients: Loan Work to renovate part of your habitat space, regardless of whether you are a tenant or owner; Real Estate Loan Flexibility, to become owner… After a series of credit proposals according to everyone's needs, Crédit Agricole du Languedoc suggests to its borrowers to secure their loan by subscribing to insurance, a common sense precaution that will put your family away from the imprévisibilités of life.

Truly open to all, Credit Mutual welcomes both individuals, entrepreneurs and associations. The Regional Federation of the Mediterranean Mutual Credit, the group's Mediterranean branch, is both banking and insurance. With over points of sale in the region, including five addresses in Montpellier, the group's accessibility is no longer challenging. A strength claimed by over 300 000 clients who already trust them. With Credit Mutual, even young assets have the chance to start their life of self-government in serenity. Real estate loans and insurance, which are adapted to their situation and are specially studied for them alone. The bank also conducts social and solidarity actions through its foundation, with great participation as a sponsor actor.

CIC is the oldest deposit bank in France. He developed internationally and in France before associating the insurance professions with those of the bank. Redeemed by Crédit Mutuel in 1998, the bank divided geographically into 6 poles on French territory. Its main occupations are: life and casualty insurance, furniture and real estate leasing, factoring, collective management for third parties, wage savings and real estate.

BNP Paribas welcomes you in its offices located in Montpellier centre and its north and west districts. With BNP Paribas in Languedoc-Roussillon, your projects to acquire real estate, work and even your habitat insurance have a great regional ally. You have the choice between several real estate loan contracts BNP Paribas, to choose with the help of your banking advisor the type of rate that best suits your situation, fixed or variable. Note, the size of the bank's size over the loan period, such as suspension of repayments for a quarter up to a full year.

Société Générale offers classic real estate loans: fixed, revisable or mixed rates, regulated loans (Plan Epargne housing or social accession), at zero rate More… But where society differs most, it is in the field of rental investment. In-fine loans associated with a life insurance contract and "unpaid rent" guarantees will be of interest to investors through the formula to deduct from their land income interest due on borrowed capital (for the entire duration of the loan). Repayment of capital proceeds at the end of repayment of credit with payments made on the life insurance contract. Finally, many boards (rental rules, SCI creation…) are released to future borrowers. Getting to know each other can set the foot to those who already have ideas and allow them to go into an active phase of their project!

As its name indicates, this bank is one of France's real estate specialists for over a century! This is the experience gained over the years! The small independent group (one of the last ones today) assures its customers of very interesting credit rates (fixed or not) and flexibility. One can only hope that France's Crédit immobilier de France will not disappear under the weight of surveillance of rating agencies, after having resisted the crisis.

The HSBC Group (Hong Kong & Shanghai Banking Corporation) is, according to Forbes Global 2000, the sixth world company! The appeal for aesthetics and the style of this multinational (reception, campaigns, art foundation…) would sometimes forget that you are in a bank! In Marseille you will find several agencies, including the one on the Prado avenue and its head office. The staff were friendly and helpful. With regard to real estate, the group focuses on fixed, fixed or flexible loans and stresses the need for appropriate insurance. The most can be found on the "home insurance" side where the level of protection is high enough (€ 50 000 for a 3-coins, 100 000 € beyond).

The group has about fifty agencies for the Hérault alone, and some for the regional capital of Languedoc-Roussillon, a very valuable proximity model. This cooperative and generalist financial centre is accessible to all. Their services cover property and people insurance, financial management, savings and credit operations. For your purchase or renovation desires, come and meet these bankers, to evaluate your financial situation and to discover their programs in real estate and loan loans. It follows you even in your search for ecological equipment such as the purchase and installation of solar panels. A bank rooted in its region and close to the concerns of its public is necessarily the southern bank of the South!

Formerly called Monts de Piété, municipal credits developed in France from the th century to find a new impulse at the beginning of the xxth century. The emblem of Marseille is a griffin, a mythological animal chosen by reference to the symbol of the first Mont de Piety, opened in La Pérouse in Italy in 1462. Sometimes called "the lifeguard", this griffon should give you a chance! Indeed, the main activity of the Municipal Credit is the loan loan: you agree to lend one or more objects (jewellery, furniture, table…) in exchange for a sum of money assessed according to the estimated value of the objects. The contraction is immediate, from the time you justify a home and an identity card. After 6 months, you have the choice between resuming your item by reimbursing the amount loaned plus interest, or extending your contract by settling only interest. The Municipal Credit may also grant you personal loans under certain conditions. A special telephone line has been set up with advisers to inform you.

The Palatine Bank has been in finance for over two centuries, an experience that derives great expertise and a unique banking approach. It targets small and medium-sized enterprises, without ever forgetting private customers. With only about fifty agencies in France, we are sure to rely on their capital'human relations ', as in a small family business. Moreover, each person enjoys professional reception and listening. Six real estate loans for individuals await you in your Palatine Montpellier agency. Soon, make an appointment.

Open Monday to Friday from a. m. to p. m. and from p. m. to p. m.

At Crédit Municipal, you can bring in a valuable object (jewelry, artwork, silverware, antiques) and instantly obtain a pawnbroker's loan after appraisal. Either the loan is repaid and the deposited object recovered. Or the money is not returned, and the item in question is auctioned off after three months. The "mont de piété" is also a micro-credit organization, financing professional and personal projects. This establishment therefore has an important social mission in Strasbourg. If the need arises, don't hesitate to drop in. You'll be warmly welcomed, and your property will be appraised at its fair value.

New in ethical placement! On January 22, 2014, the co-operative credit launched a paid booklet whose funds will be fully allocated to the financing of northern corporations in the sectors of the green revolution. Deposits (not packaged at the opening of a current account) can start at € 15 and reach € 100 000. The funds are constantly available and the remuneration is attractive (€ 1,75 gross per year up to € 1 500, then € 0,80 beyond). In short, good action for the regional economy and reporting!

The Sol-Violette is the alternative and citizen currency of the pink city. Named after Toulouse's emblematic little flower, it was created in 2011. The network relies on about fifteen exchange counters, hosted by committed businesses (the Vélo Sentimental, Biocoop, etc...) and nearly 150 signs - all sectors combined well-being, food, animals, restaurants, culture and leisure... that accept payments in Sol. In 2019, the Sol-Violette has gone digital via a dematerialized payment platform.

The Caisse d'Epargne Bourges Val d'Auron is a bank located in the Val d'Auron shopping center in Bourges. It offers a range of banking services for individuals, professionals, businesses and associations. In the event of a complaint or disagreement, customers can first contact their Caisse d'Epargne branch. If after two months no solution has been found, customers can appeal to a competent mediator. Mediators are available for disputes relating to consumer affairs, financial markets and insurance.

Aréas Insurance offers a range of insurance to individuals and professionals alike. On particular side, offers relate to the family, future projects, and of course property, real property. 

IN&FI Crédits, the leading national network of 125 franchised credit brokers, has developed in Burgundy-Franche-Comté in Dôle, Lons-le-Saunier and Dijon under the management of Philippe and Catherine Letelu. A regional network of more than 20 employees that responds to the growing demand of individuals to find them the best loan solutions for their projects. Brokers and experts in real estate loans and credit consolidation, your contacts can, from your first meeting, according to your profile, begin to draw up the possible strategies for financing your project. At a time when interest rates are low and banks are more strict in granting loans, IN&FI Crédits' advice is essential to help you frame your budget and obtain loan agreements very quickly. The advice also concerns the mandatory insurance solutions for your loans. IN&FI's advice also covers obtaining personal loans and even studying solutions for business investments and obtaining leases, a strength that other brokers do not have. In this age of distance, appointments can be made by videoconference with full document digitisation, thus preserving your advisor's ability to listen to you. And for more proximity, the Dijon branch now has two addresses!

This branch offers banking services for professionals.

Société Générale is a bank located in Paris, at 134 Rue Réaumur, in the 2nd arrondissement. The bank offers a range of services, including account opening, savings account management, project financing and insurance. Before visiting the branch, it is advisable to prepare the documents required for the purpose of the appointment, such as proof of identity, address and income. Société Générale also has other branches in Niort, at the following addresses: 38 Rue Ricard, 27 Rue Brisson, 37 Rue Jean Couzinet and 215 Avenue de Paris.

Crédit Mutual Arkea, a cooperative and co-operative group born of the alliance of mutual credit associations of Brittany, the South-West and the Massif Central, accompanying the actors in the promotion of real estate, has created the subsidiary Arkea Bank Enterprises and Institutional in order to multiply the opportunities of the players in this sector. Arkea Banque Entreprises et Institutionnels is grouped within a specific cluster with Arkea Capital Investment, Arkea Crédit Lease, Leasecom and Arkea Factoring which offers complete factoring and management solutions for the client position. The ambition of Arkea Banque Entreprises et Institutionnels is to partner with local economic development actors by offering them a wide range of benefits as well for financing as flow management, savings, means of payment, credits, asset management, insurance, retirement savings or wage savings… Teams present in the field, in 19 business centres, can create a personalized relationship and ensure long-term follow-up, with a limited number of clients in the portfolio of client managers.

This complementary health insurance for families allows everyone to benefit from a wide range of guarantees, particularly for expatriates. La Mutuelle Verte offers a free quote to individuals and companies. Advisors are available by phone and in branch to direct you towards a personalized offer. They take into account your specific needs, your budget, the coverage that is best suited to your situation and your age. In addition, you can take advantage of negotiated rates and special services for optical, dental and hearing aids from partner healthcare professionals. In the event of hospitalisation or unexpected immobilisation, home help or educational support is included in all cover at no extra cost. Finally, there is no age limit for membership and lifetime health coverage. La Mutuelle Verte has an agency in Arras.

More than 110 years of existence for this mutual bank created in 1904 in Strasbourg. Credit Mutual for many years of prices as varied as the customer relationship (No. 1 since 2007), also No. 1 to stress tests, is the preferred bank of the French… A bank that is well known to individuals, but also to professionals. In the Loire-Atlantique and in the West Centre, Crédit Mutuel has more than 2 000 employees distributed between the bank's headquarters, located in Nantes, and over 170 agencies in six departments (44, 79, 86, 87, 23 and 19). Credit Mutual is therefore a mutual bank owned by its shareholders who hold and control the group and its subsidiaries. Whatever your profile and problem, Credit Mutual has solutions: you are young and want to manage your money, the VIP formula is made for you; you start in life, it's the formula 3 F that may apply. You want to assign, create or resume a business, install your account, the Mutual Credit Box is there to accompany you. Finally, whether it's consumer credit, insurance or savings, Credit Mutual is the bank to talk to.

Sacicap Bourgogne Nord, a player in the implementation of public housing policies and part of the Procivis network, is back in the spotlight for financing solutions for the benefit of modest populations often excluded from traditional banking channels. Its atypical model does not allow it to seek profitability in order to remunerate shareholders as much as possible, but to reinvest its profits in its social missions. Sacicap Bourgogne Nord thus offers adapted financing solutions, without interest, without administrative or management fees, for the benefit of:

Owner-occupiers for the pre-financing of subsidies, granted by the ANAH and local authorities, dedicated to energy renovation or adaptation of housing for the elderly or disabled persons as well as the financing of the rest to be paid for

Syndicates of co-owners for the financing of subsidies granted by the ANAH to co-owners' associations benefiting from the "Living Better" scheme or to co-owners' associations of co-owners in difficulty (energy renovation, emergency or security works).

The MGEN Côte d'Or team has more than 30 000 members. The team welcomes you and accompanies you in your steps related to your health, your real estate investments, your savings projects or your travel insurance. Open to students, civil servants, private sector employees, retirees and associations, a wide range of offers and services is available at inclusive rates. Get a quote online on the website or call 3676. Good plan: members can benefit from the MGEN Avantages card.

What if paying became a gesture of solidarity? The doume is a complementary citizen currency circulating in a "closed" network, irrigating the whole territory of Puy-de-Dôme. Thus, you are sure that your currency remains in a virtuous network made up of local professionals guaranteeing fair prices for a healthy and quality production (doume charter). Since September 2018, this local currency is also available on smartphones in its dematerialized version. So change your habits and discover a currency that makes (good) sense.

Domofinance is a credit company created by BNP Paribas and EDF. It specializes in financing home renovation projects, particularly those aimed at improving energy efficiency, and its offer is aimed at both private individuals and condominiums. Working in close collaboration with property managers, local authority housing departments and engineering firms, our condominium loans enable condominium owners' associations to finance collective work on their properties. The loan is approved by the general meeting and remains optional for co-owners. The interest rates offered are repayable over 15 years, and co-owners are not jointly liable in the event of non-payment, thanks to a surety bond. Combined with a collective eco-PTZ and other possible advantages, a condominium renovation project becomes conceivable and acceptable. The benefits also apply to work to bring communal areas up to standard, or even to renovate them. You can use the Domofinance website to find out how much your repayments will be, depending on your situation. Domofinance advisors are also available by telephone for further information.

By golly, my daughter is going on a trip to England, I have no more pounds in my piggy bank and there is no more exchange office at the Ouistreham ferry terminal. Oh oh... Don't panic! The exchange office Caen Change, located in rue Saint-Jean, in the city center, will solve my little problem. Very practical to leave with a wallet full of English currencies. Moreover, more than 30 foreign currencies are available... all the more reason to consider a few future stays.

The establishment proposes other services like the purchase and the sale of Gold.

Through an extensive network in Europe, North America and Asia, CACEIS, a Crédit Agricole company group dedicated to institutional and corporate clients, provides a full range of products and services:

Bank depository-custodian

Administration of funds

Issuer Services

First actor in the French market, CACEIS is also one of the world leaders of « asset servicing » (Customers' investments managment).

A bank with a strong presence in the Franche-Comté region, with no fewer than 118 local branches in both rural and urban areas. In addition to providing services to individuals, for over 60 years the bank has been supporting initiatives to promote tourism through the installation of cultural, leisure, sports and nature protection facilities. This policy is reflected in a number of major and minor projects that have enhanced the attractiveness of this corner of France.

As its name clearly indicates, Crédit Foncier has been a real estate loan specialist since 1852. Whether it be accession, principal residence or secondary residence, or rental, the national bank proposes a full range of loans to all types of rates: in fine (best for rent with high taxation), mixed or fixed (however to take tweezers and much caution). Crédit Foncier is particularly valuable for its flexibility, since it takes into account allocations and APL in particular and thus promotes social accession to the most modest.

Joubert has been on Vivienne Street for over a century. This family business, created in 1909, has a well-established reputation. Precious metals represent a large part of their activities, especially stock exchange gold in the form of bars and coins. The purchase of physical gold is now available on the latest version of their website. The web version contains a newsletter dedicated to this particular and constantly evolving market. It is also a currency exchange office.

They offer a wide range of services, including currency exchange and the purchase of investment gold. Merson Bureau de Change is a member of the Syndicat des Changeurs and the Groupement des Professionnels de l'Or. They are also members of the Syndicat National des Experts Numismates et Numismates Professionnels. In addition to their foreign exchange services, they also offer investment products such as gold bars and coins. For numismatic enthusiasts, they have a selection of antique coins available for purchase.

Located next to the stock exchange, this small shop can bring you up to you! It proposes you to investigation your jewellery and redeem them (like any other gold object). By logging in to the website, you can also make a quick online expertise. Note: free travel is also possible at home or in the suburbs. Make an appointment by telephone.

Aviva is a global insurer in 28 countries worldwide. Its three main occupations are life and long-term savings, asset management and damage insurance. With 300 years of experience, Aviva is the oldest insurance company in the world. It has a full range of insurance that is characterized by increased personalization of its offer and an increasing willingness to meet the French's expectations of sustainable development. The Hazard home house insurance consists of four formulas (basic, essential, comfort and serenity) with a wide range of complementary guarantees. In fact, more than 17 solutions are offered to individuals. Domifacil includes guarantees that reflect Aviva's environmental responsibility and its concern for prevention.

In order to enable you to carry out all your projects, from a simple coup to real estate investment, AXA Bank offers you a full range of credits. Specialists are always at your side and offer solutions tailored to your budget and needs. Do not hesitate to consult them for the purchase of your property!

The Gan Assurances network offers you a range of contracts that allow you to benefit from comprehensive and customizable protection solutions, with guarantees specifically tailored to your situation and lifestyle. This human-sized agency located in Balma is composed of a team with multiple and complementary skills to move you towards the most relevant insurance choice, whatever your case: looking for insurance for your accommodation or for good, complementary health, savings solution, supplementary retirement… A nearby agency under a proven sign.

In each situation, the Macif offers you its contract. If you have real estate to ensure, in this case, it is the home contract. Whether it's your main or secondary residence, Macif offers you solid guarantees and many options to adapt to the changing lifestyle. Thus your insurer is required to insure your property against all the basic risks (fire, water damage, theft, climatic events…) and protect yourself in the context of civil liability and protection of your rights.

MMA Toulouse has 11 agencies spread across the city to help you insure your real estate. Agents receive you from Monday to Friday, from a. m. to p. m. and from 14 p. m. to 18 p. m., to offer you mutual insurance products for both individuals and businesses, but also associations or local authorities.

Swiss Life offers several solutions to insure its property. Multirisques Home Insurance offers options on the map: legal protection, swimming pool insurance and even insurance for the wine cellar. Furthermore, Swiss Life offers a guarantee guarantee, 24 hours a day and 7 days a week, in the event of a loss or accident at home: cash advance, household help, babysitting…

First acquisition, student accommodation, secondary residence, formulas adapt to different cases: eco or comfort, with options for choice. To protect its equipment on the map, packs exist, such as the renewable energy pack, to be covered in case of flooding or hail, for example, for photovoltaic installations or heat pumps. Note that after 5 years without any loss, the franchise becomes free!

Because traveling around the world exposes you to many risks and it would be a shame to miss your holidays, Le Petit Smart has created a complete range of travel insurance at smart prices for you. Whether you are travelling alone, as a couple, with family, with friends, with sports or with a great traveller, there are for everyone. Everyone's smart solution!

Groupama d'Oc is the head office of all Groupama agencies located in southwest France, particularly in the Midi-Pyrénées region. It covers 14 departments and brings together 297 customer care facilities. No matter where you are, you will always have a nearby advisor to find out about your home insurance! In particular the Toulouse Saint-Georges agency in the recent shopping centre, located at 51 bis rue du Rempart Saint-Etienne.

Do you like travel, breathtaking and discovery in general? So welcome to HSBC, the bank with collaborators around the world, the bank that makes you travel! To serve French clients, the group established itself in France under the name of HSBC France, with close to 400 agencies. Professionals as individuals will find in their HSBC offices proposals for loans and insurance specially studied for them as management solutions for their business, for a calm and comfortable future.

The Maritime Credit agency Montpellier-Pompignane has a private car park and disabled access. Insurance and the loan to protect or buy a pleasure craft is at the heart of their business. If you are a lover of waves and navigation, you'll find your happiness with those bankers who have the wind on their feet. The group is naturally located around the Hexagon, on the different oceans and seas bordering France. In addition to reliable advice and suitable financial services, such as real estate loans, our sailors-bankers inform you all the news about the sea, the tides included!

Macif Insurance offers protection to individuals and professionals to insure their vehicle, health and home. For this last proposal, the Macif combines housing and people insurance, for blanket coverage, from roof to portal, through the private civil responsibility of the entire family. For even greater protection, interesting options exist at the Macif, to insure your musical instruments, your sports equipment, your swimming pool…