Do brokerage fees always enter the APR?

They enter the APR whenever they condition access to the credit, which is the general case for intermediated loans. They must therefore be known and included before the offer is issued. IOBSP reminder: they may only be collected after funds are actually released (art. L.519-6 of the French monetary code).

What to do when a file exceeds the usury ceiling?

Work the components one by one: switch insurance to delegation (often the most powerful lever), negotiate or reduce file and guarantee fees, adjust the term to change usury category, or revisit the fees. If nothing works, the file is not financeable as is and the client must be told, computation in hand.

Is this calculator enough for a binding simulation?

It gives a reliable actuarial APR for steering a structure, but a binding client simulation requires traceability: usury referential version, computation date, flow details. The CourtImmo platform stamps every computation with the scale version used, making it replayable as of a date: ask for a demo.

Indicative estimateBroker tool

APR and usury ceiling calculator

A tool built for credit professionals: enter principal, nominal rate, term, insurance and all mandatory costs (file fees, guarantee, brokerage fees) to get the financing plan’s actuarial APR and its margin to the category’s usury ceiling. Essential before issuing a client simulation or submitting a file to a bank.

Referential : Indicative usury ceilings Q3 2026

Your situation

Loan amount (€)

€

Annual nominal rate (%)

Excluding insurance and file fees.

Term (years)

Annual insurance rate (%)

Upfront costs excluding brokerage (€)

€

File fees + guarantee + other mandatory costs.

Brokerage fees (€)

€

Actuarial APR

4.08%

Category usury ceiling

6.40%

Available margin

2.32%

Under the usury ceiling: financeable

Total monthly payment : €1,482/month

What the APR must contain

The annual percentage rate aggregates every cost required to obtain the credit: interest at the nominal rate, required borrower insurance, bank file fees, guarantee cost (surety or mortgage lien) and intermediation fees when using the broker conditions loan access. It is expressed as an annual actuarial rate: the computation equalizes the discounted value of the payments with the funds actually made available, net of upfront costs.

The usury ceiling, a public-order cap

Each quarter, the Banque de France publishes the usury rate per loan category: the maximum APR a lender may charge (previous quarter’s average rate plus one third). For mortgages, categories distinguish fixed-rate loans under 10 years, 10 to under 20 years, 20 years and over, variable-rate loans and bridge loans. Exceeding the ceiling is a criminal offence: a file whose APR flirts with usury must be reworked before submission (insurance, fees, term).

Why the usury margin must be managed

Brokerage fees and insurance enter the APR: on small capitals and short terms, a few hundred euros of fees are enough to cross the ceiling. The professional reflex: compute the full APR at structuring time, test sensitivity (term category, delegated insurance, reduced fees) and document the computation. That is exactly what CourtImmo’s versioned engines do on every file, with a dated usury referential replayable for ACPR audit purposes.

Frequently asked questions

The APR measures the overall credit cost. The TAEA (annual effective insurance rate) isolates the weight of insurance alone: it is the difference between the APR with insurance and the APR without. It must appear on any borrower insurance proposal and allows comparing group contracts with delegation.

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Indicative estimate. Results are provided for information only, based on dated scales, with no contractual value. They are neither a credit offer nor personalized advice. No entered data is stored or transmitted. A loan commits you and must be repaid: check your repayment capacity before committing.