Banks and Insurance Dijon

Crédimmo boasts the skills of a team of a dozen brokers led by Sébastien Coquillet and Michael Nicolas, who have backgrounds in brokerage and credit repurchasing respectively. Our offices in Valmy are the perfect place to express your needs and let your advisor optimize a loan package tailored to your situation. Crédimmo's growing reputation with regional banking and insurance partners means that you have access to the best possibilities for financing your home purchase or renovation project, with or without credit consolidation. The Crédimmo team expands regularly in response to new requests, to keep pace with the tightening of conditions for access to bank loans, for which there will always be a solution.

Need help or advice to buy, rent, build or renovate? Action Logement, which collects the Participation des Employeurs à l'Effort de Construction (PEEC, formerly 1% logement) from companies with more than 10 employees, offers a whole range of services and assistance to facilitate access to housing, and thus help students, work-study students and employees of non-agricultural private-sector companies to find a job. Specific offers exist for employees in the agricultural sector, consult Action Logement. Around 8 out of 10 French people are eligible for at least one form of assistance offered by Action Logement.

CIL-PASS ASSISTANCE® : assistance for employees in the private sector (including the agricultural sector) facing personal and/or professional difficulties that are creating a financial imbalance or making it more difficult to maintain or gain access to housing. This assistance is free and confidential (conditions in branch).

MOBILI-JEUNE aid: Action Logement provides a subsidy of up to €100 per month for the duration of a training contract for people under 30 on a professionalization or apprenticeship contract. The application must be renewed every year, conditions in agency.

Home improvement loan: also available subject to conditions, this loan finances all or part of home improvement projects (conditions and list of eligible projects available from the branch).

Accession loan: issued subject to conditions, this contributes to the acquisition or construction of a new home, or the purchase of an existing HLM home. The maximum amount is 40,000 euros at a reduced rate of 0.5% (excluding compulsory insurance) over a maximum repayment period of 25 years.

LOCA-PASS® advance: interest-free repayment of the security deposit required on moving in.

VISALE: rent and service charge guarantee for private housing. It covers unpaid rent for the duration of the lease for private-sector housing. Visale is open to all young people under the age of 31 and employees aged 31 and over, subject to a means test and depending on the type of employment contract. Visale also covers all young people under the age of 31 living in collective structures, as well as students and work-study students living in social housing.

Work-study scheme: https://alternant.actionlogement.fr/. This site, set up in conjunction with the Regional Councils, provides an exhaustive list of all the assistance available to work-study students (housing, transport, sport, culture, etc.).

In addition Action Logement can support you throughout your career.

Action Logement has a reserved housing stock in Côte-d'Or, and especially in the Dijon area, for employees of non-agricultural private sector companies.

Action Logement offers employees a real estate brokerage service, which searches through its financial partners for the solution best suited to your situation when purchasing a property. This service is personalized and free of charge.

The Crédit Municipal is a public communal credit and social aid establishment through pawnbroking for individuals, associations and public establishments. Do you need cash? An object to be appraised? Jewellery, watches, bottles of wine, fashion accessories: discover pawnbroking and auctions. The profits of the Crédit Municipal go to the Centre Communal d'Action Sociale (CCAS) of the City of Dijon, with which it offers a personal micro-credit for the most disadvantaged. Based on solidarity and ethics, Crédit Municipal de Dijon welcomes all profiles and all incomes.

Crédit Mutuel, France's ^2nd largest retail bank, combines the strength of a cooperative and genuinely mutualist bank with that of a major commercial bank. Crédit Mutuel helps you to finance your real estate project, whether you are buying for housing, investing, tax exemption, reselling or transferring a property. Crédit Mutuel can also carry out a complete audit of your tax situation and guide you in choosing the tax system best suited to your investor profile. Thanks to the expertise of its subsidiary, Agence Immobilière du Crédit Mutuel, your bank is able to offer you a wide choice of new apartments throughout the country.

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!

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.

Established in Dijon since 2010, the independent Expert Crédits brand is well established in the region. Backed by a wealth of experience, this 100% local company negotiates the best terms and conditions for you, and helps you make the right decision in terms of mortgages, credit consolidation and loan insurance. In order to certify your solvency to sellers, your broker will issue you with a certificate of feasibility. The analysis of your situation has guaranteed access to your financing package. Our expertise and collaboration with a large network of banks and special lending institutions guarantee that your financing package will be arranged quickly and at attractive rates. And for even greater proximity, Expert Crédits has opened a second Dijon branch on Avenue du Drapeau. From now on, there will be two branches to accompany you throughout your project, right up to the move, with an ^11m3 truck at your disposal free of charge.

Ymanci was founded by a group of bankers and brokers, including BNP and Crédit Foncier, who wanted to combine their skills to offer mortgage brokerage and credit consolidation services. The gamble paid off, as the network now boasts 80 agents. A network that boasts the largest number of bank mandates. So many opportunities to secure the loan best suited to your situation. Fabienne Sombstay, head of the Dijon branch, is supported by a team of 6 advisers, all of whom are well versed in the subject of mortgages. The branch on boulevard Thiers is very friendly, and you're quickly reassured that you can find a quick financing solution. Ymanci's procedures are well-honed. From presentation of your project to signature at the notary's, you can count on Fabienne's team to be at your side every step of the way.

Crédit Agricole de Champagne-Bourgogne is one of the leading regional banks in the housing sector, especially as it offers a global service, from finding a property to loan and insurance packages.

Solutions to find accommodation. The Square Habitat branch network is at your disposal to help you find the property of your dreams and advise you, sell your property, invest in new property or even ensure the rental management of your assets.

Adapted financing formulas. Flexible solutions to make your life easier is Crédit Agricole's brand. With the Facilimmo loan, you can adjust your monthly payments. For an immediate policy response on a loan, go to http://e-immobilier.credit-agricole.fr/ to perform a simulation and save it. You will then be called back within 24 hours by an advisor. If you wish to carry out work in your home, there are also solutions available, do not hesitate to consult your advisor to find the appropriate financing.

Insurance solutions adapted to your situation: loan insurance, home insurance, customised remote monitoring systems, or Crédit Agricole's rental guarantee for your tenants' unpaid rents.

While you can already easily meet with a La Banque Postale advisor to study the financing of your project, a team of real estate solutions experts is available to the network of advisors for technical support. This service is now available to reinforce its ability to optimize the speed of responses. As soon as you are in contact with your advisor, a real estate solutions expert can join you by phone during your appointment. Everything can be handled directly, no waiting, immediate answers to choose and have the documents to complete.

You have even easier access to La Banque Postale real estate loans: conventional loans, fixed or adjustable rate loans, PTZ, Eco PTZ, PAS loan... allowing all buyer profiles: young people, investors, family-owned real estate companies to finance their real estate project.

The Guide to buying real estate online is a good prerequisite to prepare your questions!

Insurance brokers have taken an important place when it comes to saving money: home loan insurance is compulsory, but you are free to choose your insurer. Created in 2011 by Florence Decaudain, who has been an insurance broker for nearly 15 years, Librassur allows you to reduce the cost of this insurance. Equipped with its own loan insurance comparator, it allows you to obtain about twenty quotes in a few seconds. This company also extends its action to resale guarantee insurance, insurance that covers the loss of value suffered in the event of the precipitous resale of a property for up to 5 years (for a principal residence), or even longer for a rental investment (for very specific reasons: redundancy, transfer, etc.). Librassur works in partnership with many insurance companies and therefore finds the most economical solutions adapted to your personal situation.

MMA ASSURANCES CHAMPION in Dijon warmly welcomes you Monday to Friday from 9am to 6pm without interruption. Ideally located 100 metres from the Godrans tramway stop in the town center, the agency has two distinct areas, one dedicated to private customers, the other to professionals. The team of advisors, concerned with the well-being of their customers, will do everything in their power to provide you with the best possible advice and meet your insurance needs. Their slogan "Ici, nos conseillers aiment vous voir" ("Here, our advisors like to see you") reflects the team spirit and commitment of this agency at your service.