Banks and Insurance Rhône-Alpes

You realise that you do not make any more to refund at the bank the money you had taken to buy your accommodation, because of a job loss, a separation, a serious accident, a disease or anything else. You are perhaps in location of surrendettement. You can contact fees of over-indebtedness, in Banque de France. It is a public agency that has the role of seeking solutions to problems encountered by individuals who incurred excessive debt. The deposit of a file is free.

The real estate loans offered by LCL (formerly Crédit Lyonnais) are, in the banking market, in a good medium, not cheap or too expensive! The rates set up are generally correct and competitive, for example, fixed rates at 4,80%. Also offered are loans specially designed for young people as well as a full range of home insurance. The service side, unfortunately, is a little below. Since the transformation of Crédit Lyonnais-LCL, the customer often seems dissatisfied with his support, the fault of the absence of stable advisers. Each one considers its priorities.

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.

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.

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.

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.

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.

It is difficult to find it in the jungle of insurance present on the market today, and which of course proposes all products better than those of competitors! The MAAF may not be the one that offers the lowest rates, but it is certainly the one that offers the best service to its customers. In particular, it allows you to receive assistance 24 hours a day and 7 days a week, not negligible in the event of a big problem! It should also be noted that the "Tempo" contract obtained the Excellence label awarded by the "Epargne Files" in 2012. There are many good reasons to engage with them, and to count on their effectiveness.

Habitation's home insurance is probably the cheapest in the market. This explains the fact that the agency is in the first position in the ranking of the best home insurance made by the site linternaute. fr. An "Trust" contract costs an average of € 135 per year for an apartment in Paris and € 214 for a house in Tours. For a "Performance" contract, it will instead be worth € 182 on average for the same apartment and € 226 for a house. The proposed insurance covers principal residences, secondary residences and non-occupants. However, even if low costs attract, it remains necessary to read his insurance contract well and to note the services included so as not to have a bad surprise…

This intermediary in mandated banking operations has been working in Clermont-Ferrand for more than 20 years in credit repurchase. He is independent and is part of the Hexafi network. His activity is not limited geographically. He is the agent of the largest groups operating in the restructuring. It enables its clients to meet their commitments and start again from scratch by practicing acceptable debt standards (reduction of monthly payments by 30 to 60%). CO.RE.FI is only paid if it obtains the release of funds. If not, clients do not have to pay any fees. The great kindness of the reception, the thorough study of each situation make it a precious address.

Banque Populaire is a local cooperative bank. It offers a comprehensive range of loans and insurance products for both home purchases and home improvements (fixed rates, capped variable rates, flexible monthly payments, etc.). It regularly works with Socami, which enables borrowers to avoid mortgage charges, and works in partnership with Casden Banque Populaire for national education staff.

Crédit Municipal de Lyon operates in all the departments of the Aura region, including Isère. It is a public credit and social aid institution. In short, a social bank that can lend you money. It offers a pawnbroking service, i.e. money against the deposit of one or more valuables, but also more traditional banking services. It is not well known that Crédit Municipal offers personal loans, even for senior citizens refused by traditional banks, at attractive rates. In another genre, auctions of objects whose loan contracts have not been extended are also interesting.

He is one of the specialists and market leaders. This insurer based in Lyon only handles pets. This is to say if he knows his subject. The house was founded by Jérôme Naveta in 2003, and has since shown his seriousness. A guarantee for owners of dogs and @ cats. You can choose between five formulas from soft to optimal cat or dog version, with options where you can refund from 50% to 100% of veterinary costs and far beyond since dietary nutrition can be cared for in a veterinary prescription.

Banque Chalus has the distinction of being one of the oldest banks in France, and the oldest in the region... Present in Auvergne since 1797, it has been in business for over 200 years. And yet, it has kept up with the times, offering all kinds of savings, insurance and credit products in its branches or via its website. Whether you're an individual or a professional, our advisors will guide you towards the product that meets your needs, whether for borrowing or protection.

The Caisse d'Epargne is one of France's oldest banks. With a dozen branches in Clermont-Ferrand, it has been able to meet the expectations of its customers. From loans to insurance, the services offered are entirely tailored to the needs of its customers, who include companies, associations and individuals... Students also have their own special offers, to help them finance their studies, their driving license, their first car...

Crédit Municipal is a public credit and welfare institution that has been present in Lyon since 1810. It offers a pawnbroking service, i.e. money against the deposit of one or more valuables, as well as more traditional banking services. What's more, it's not widely known that Crédit Municipal offers personal loans for senior citizens who are often turned down by traditional banks, and a Green Loan to finance projects that help protect the environment (insulation, clean cars, etc.). Auctions of items whose loan contracts have not been extended are also of interest (catalogs on the site).

The Caisse d'Epargne Loire-Drôme-Ardèche offers a wide range of services to individuals and businesses. For people wishing to become homeowners, including for their first purchase, the bank with the squirrel logo offers support. The Caisse d'Epargne also has a range of insurance products and, of course, consumer credit. Whatever your project, an adviser will be able to provide you with many clarifications and answer your questions. Entrepreneurs and young people will find specific solutions for their banking needs.