Financing plan
A table setting the operation's total cost, price, notary fees, works, guarantee, against all the resources mobilized: contribution, main loan, subsidized loans. It checks the balance of the structure and underpins the bank negotiation. It is the centerpiece the broker builds.
Key points
- Table balancing the total cost of the operation (uses) and all resources mobilised.
- Includes purchase price, notary fees, guarantee, any works, brokerage fees.
- Lists resources: personal contribution, main loan, zero-rate loan, employer loans, local grants.
- Serves as the central support for presenting the file to all banks approached.
Frequently asked questions
Why is the financing plan the cornerstone of the credit file?
It synthesises in one document the coherence of the project: the amount borrowed is justified by a real need, the contribution is genuine and traceable, and no item of expenditure is overlooked. An unbalanced plan, where uses exceed resources, signals an incomplete file or an overstated contribution. It is the first document the credit analyst checks.
What common errors are found in financing plans?
The most frequent errors are forgetting guarantee fees (often underestimated), underestimating notary fees for new builds (VAT, reservation contract fees), and not including brokerage fees in the uses. An incomplete plan forces the bank to request additional information and delays file processing.
How should subsidised loans (zero-rate loan, employer loan) be integrated into the financing plan?
Each subsidised loan is entered under resources with its amount, term and repayment conditions. The broker checks that their total with the main loan does not exceed the operation's total cost. Eligibility conditions (geographic zone, income, first-time buyer status) must be verified upfront to avoid building a plan on an unconfirmed subsidised loan.
In practice
For a €280,000 purchase of existing property with €15,000 of works, the broker builds a €316,000 plan on the uses side (price + €20,000 notary fees + €15,000 works + €1,000 guarantee). On the resources side: €40,000 contribution + €276,000 main loan. The balance is perfect and the bank has no questions about the coherence of the structure.
Put it into practice with CourtImmo
See how CourtImmo software helps brokers on this topic:
Official sources
- Obtaining a mortgage loan · Service-Public.gouv.fr
- Mortgage credit (official guide) · Service-Public.gouv.fr