CourtImmo
Borrower compliance

Borrower protection, built into every file

Mortgage credit and borrower insurance are among the most regulated products under French law. CourtImmo embeds these protections directly into your clients' journey: every document, deadline and choice is traced.

Broker comparing borrower insurance guarantees with a homeowner couple

A credit journey protected at every step

From the first simulation to the signed offer, regulation protects your client. The platform materializes each of these protections inside the file.

Pre-contractual information (ESIS)
The European Standardised Information Sheet presents the total cost, APRC and guarantees of the loan. Generated and timestamped in the file, its delivery to the client is traceable.
APRC and usury rate
The annual percentage rate of charge is computed, displayed and checked against the usury thresholds published by the Banque de France before any proposal.
10-day cooling-off period
The borrower has a mandatory 10-day reflection period after receiving the loan offer. The platform tracks this delay automatically and prevents any rush.
Loan condition precedent
In a property purchase, the sale agreement is protected by the loan-obtainment condition precedent. Key deadlines are tracked in the file.

Borrower insurance: the client's free choice

Four successive laws have established the borrower's right to choose and then switch their insurance. CourtImmo equips insurance delegation end to end.

2010
Lagarde law
Free choice of insurance from loan subscription: the bank cannot refuse a delegation when guarantees are equivalent to its group contract.
2014
Hamon law
Cancellation and substitution possible at any time during the first 12 months after signing the loan.
2017
Bourquin amendment
Annual cancellation at each contract anniversary date, beyond the first year.
2022
Lemoine law
Cancellation at any time, free of charge, removal of the medical questionnaire under conditions and a strengthened right to be forgotten.

Guarantee equivalence, documented

Every substitution relies on the CCSF equivalence criteria. The platform documents the guarantee-by-guarantee comparison, for solid, well-grounded requests.

What the platform materializes for your clients

Legal protections turned into concrete features, visible in every file.

Documents generated, timestamped and archived
ESIS, mandates and offers are produced from the file and kept with a full audit trail, with 10-year legal archiving.
Regulatory deadlines tracked
Reflection, withdrawal, insurance anniversary dates: automatic alerts prevent any overrun.
Consents and deliveries traced
Every document handed to the client is traced: you can prove the information given, at any time.
Cost transparency
APRC, brokerage fees and remuneration are presented clearly to the borrower before any commitment.

Who is responsible for what?

CourtImmo is a software vendor. The duty to advise, intermediation and the borrower relationship are your responsibility as a broker (IOBSP). The platform gives you the tools to fulfil these obligations in a flawless, traceable and demonstrable way.

Give your clients a compliant, transparent journey

See in a demo how CourtImmo traces every regulatory step of your files.

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Compliance and security team reviewing financial data protection in a French office

Verifiable trust

Data protection is built into every detail

Traceability, hosting, encryption and governance support the platform’s daily operations.