The broker is paid for the result. But you owe him nothing until you have accepted a loan offer. In general, it requires 1% of the amount borrowed, but the amounts are capped . Some, like PGFinanz, exempt individuals from fees and charge all their fees to banking institutions decryption done by the daily METRONEWS.
How does PGFinanz offer a 100% FREE service.
The simplification of the procedures at PGFinanz does not imply a lower quality, on the contrary, it reflects rather an optimization of the means implemented, to obtain the best real estate loans from the largest banks. This reduced cost policy allows PGFinanz’s customers to benefit from brokerage fees and a 0 Euro bank account.
Our offer includes the services of a traditional broker but 100% free. We are remunerated like other brokers, thanks to the bank commission which represents 1% of the loan amount capped. Unlike other brokers, PGFinanz is ONLY paid with the bank commission and does not charge any brokerage and bank fees. In the case of fees in the bank, PGFinanz agrees to refund the customer in full.
PGFinanz cheaper because there is no service.
FALSE! All of our financial advisors are highly qualified specialists, there are no remote advisors at PGFinanz . Loan files are studied, analyzed and negotiated with banks by a “single” interlocutor throughout the process. Our advisors are trained to optimize the loan application, especially for the mounting of loans with smoothing, landing, Loan 1% employer, loan relay, 0% loan or Paris Housing Loan …
Thanks to a department dedicated to insurance , PGFinanz is able to obtain a delegation of insurance, up to 60% * less expensive than a group insurance and with equal guarantees because adapted to the profiles of the customers, while being better covered in some cases. Borrowers benefit from “tailor-made” rates that are more competitive.
Free file fees, there must be a trap.
FALSE ! PGFinanz’s intervention (analysis, editing and negotiation) is TOTALLY FREE and is ONLY remunerated by the bank that will make the most advantageous credit offer for the client. To date, PGFinanz is the ONLY national-size broker to offer a real estate credit with no fees: neither at PGFinanz nor at the Bank **. The customer pays nothing, the service will not cost him a cent at home and at the bank! An advantage that allows for additional savings on the total cost of the loan.
PGFinanz accompanies, for 14 years, individuals in their search for mortgage. Since PGFinanz’s inception, we’ve funded more than 1 billion credits, and 40% of our clients come by recommendation. The relevance of our advice, our transparency, our speed of treatment and our overall follow-up of the files allow us today to benefit from an excellent word of mouth.
The fees are reflected in the rate.
FALSE! All real estate finance brokers , whether “No. 1”, “leader” or “specialist”, work with the same banks. The only difference, PGFinanz has negotiated the exemption of fees from all its partner banks. It is totally transparent for the client (the TEG includes a file fee of € 0) and contractually written on the loan offers.
Thanks to this offer (lowest credit rate, cheaper insurance delegation and 0 € bank and brokerage fees), PGFinanz is at the top of the national ranking of a large consumer association, like the broker who ” Offers the cheapest credit through a delegation of insurance negotiated by him and the absence of brokerage fees “.