Why this increase in mortgage rates?
ML: In the current economic context, the European Central Bank (ECB) adopts anti-inflation policy By increasing the rate of policy, which leads to a change in the amount of money circulating in the economy. This leverage has two important consequences for the borrower Significantly increases the cost of credit and reduces the borrowing capacity of households (…) Add to that Wear rate not appropriate for the current context and get a Flood of loan rejections »
Can brokers have an influence on these prices
ML: “Since the end of 2019, the world of banks and brokers has witnessed a broke down Unprecedented. While that 60% of loans in 2021 are processed by these brokerssome banks decided that dispense with their services (Crédit Agricole, CIC-Crédit Mutuel) and others to apply a drastic reduction in their commissions.
We can’t blame the banks, we have to understand them.
In fact, it’s been 5 years since then Permanent decline in credit rates Which affects its profitability on this product. Somewhere double penalty For these financial institutions on this type of product, which we must remember is a tool for qualitative prospecting, loyalty and An important moment in the relationship between a bank advisor and his client. »
How to reconcile these two major players in financing and have an impact on borrower rates
ML: “ After 15 years of experience in banking and through various commercial and management positions I held, I wanted to find a solution by creating The first real estate finance market. I surrounded myself with my co-founder, Kim Schott, Operations Manager, to get to see this client and user. We were keen on Revolutionizing the real estate finance market »
How is Ablemo revolutionizing this market?
LM: ” Our home finance market Offered to all players in the real estate market :
· digital platform So that applicants (real estate agent, borrower, broker, etc.) and banks can negotiate with each other directly.
· Reducing the use of intermediaries from the market
by presenting Free for the borrower and system Subscribe to brokers and banksAPLYMO Marketplace is revolutionizing the business model.
This financing market offers two different solutions:
· Aplymo . Market It is a B2B solution Which allows banks to access housing loan applications.
· Aplymo is a B2C solution Intended for real estate agents as well as borrowers who wish to submit one or more loan applications.
To do this, APLYMO . integrates combination of technology including strong algorithma artificial intelligencea Optical Character Recognition (OCR) Plus a KYC control Auto (know your customer)Knowing the customer. To ensure the security of these data flows, our solution uses technology Blockchain owner. »
APLYMO, HOW IT WORKS?
Find out how Aplymo works by watching this video, click here
ML: “Often, the search for a mortgage can be… source of tension. To avoid all forms of anxiety, aplymo Offering a 100% digital solution dedicated to financing your real estate project using A team of major banking groups and real estate experts.
Our goal is Save time and money for borrowers By offering them the best prices in the market.
Thanks to APLYMO, you can submit your funding application online Simple, fast and safe way for a modest amount of zero euro.
To do this, nothing is simpler. Simply :
1. Log in to the platform
2. Answer a few questions to select your borrower profile
3. Submit the required supporting documents
Hence, our technological tool Analyze your request In order to bring you Reliable instant response.
If your file is validated via our platform, it will be Available on the front on all our banking partners.
Our solution facilitates the study of your file by banks as well as obtaining your real estate financing.
With a simple notice, You receive different proposals in your client area.
Thanks to Aplymo, you have The success of your real estate project is at your fingertips. »
Will you deal with other intermediate markets:
LM: ” Yes, of course. We will be launching in September FINABOLT It is in production.
This financing market will be cured professional credit.
It is eagerly awaited by artisans, SMEs, SMEs as well as banking institutions because Business Banking is the product The most profitable in the industry.
This test will allow us to put ourselves on it All intermediate markets and merge Market solution adapted to the sector of activity. »
If you are keen on finding a simple and intuitive platform to implement your real estate project, then this is the essential app for you!
Feel free to contact them for more information. Professionals will be at your disposal and will not hesitate to give you all solutions to facilitate the study of your financing file.