Equity Release

Although relatively new to France, this method of finance has been proven in north Europe for several years and enables you to self-finance capital released from your property. A bank takes a mortgage on your estate. At the same time, an insurance company invests in a life insurance in your name based on part of the value of your home. The investment generate interest which covers all or part of the payments. You benefit from a lump sum to use as you wish and/or additional income with unbeatable conditions ! Ways of achieving this vary with each situation and objective, which is where an Axess Finances advisor can help you to put in place the solution best adapted to your personal situation. Call us now to arrange a meeting !
		So what will you do with the extra money ? Liz and Henry live in a beautiful villa in Mougins, estimated to be worth € 1.300.000. A loan on it was due to finish in tree years, but they wanted more money now for travelling and to help their grandchildren,. The Equity Release enabled them to achieve their objectibes. They have money at their disposal and the new loan charges are totally covered by the back-to-back investment. Helena needed € 650.000 to invest in a work projet and had envisaged taking out a standard mortgage. An Axess Finances advisor suggested "Equity Release" which better suited her needs and will be much more flexible when it comes to payments. "I understood that by borrowing in Swiss Francs and investing in Euros, I had at my disposal a powerfull tool to create weakth ! I didn't hesitate to do it because the scheme allows my children to inherit the villa as well as the interest generated by the investment." Jordan

For whom ?

Equity Release is realizable by any owner of a real estate having a minimum value of 500.000 € (not or slightly mortgaged)

Just like a traditional mortgage loan, an Equity Release enables you to benefit from liquidities without having to sell your real inheritance.

For what ?

Generally, it is set up to release cash. But it is also an excellent way to generate complementary incomes or quite simply to create a new financial capital.

How ?

A bank specialized in this type of operations, mortgages your real estate. In against part, it pours you a capital or a complement of incomes whose amount will be a mainly function of the value of expertise of your property. You use the funds in the way in which you wish it that it be on a purely personal or professional basis. In parallel, a placement is open (generally in insurance life) to your name in order to invest the capital equivalent to the part of the loan which was not used in cash release. The investment made interests which can cover the expiries of the loan. Thus, allow to "auto-finance" whole or part of the cash released and/or the complementary incomes.

Flexible criteria of obtaining

- the organization lender bases itself on the value and the structure of your real inheritance to return its agreement of loan without, most of the time, having requirements when with nature and the amount of your incomes.

Even null weak expiries

- If the capital which you need represents a small part of the value of your good, and you wish only to generate of the incomes or that you initiated the operation to diversify your inheritance, the operation will be financed and you will not have any expiry to have at the bank.

- If the capital which is placed at your disposal represents a strong proportion of the value of your good, the interests of the placement will not be enough to cover the expiries of the loan, nor to reconstitute the capital of. So it is necessary to set up the operation which your incomes enable you to deal with this load. With less than in the 2 or 3 years to come, you discount a re-entry of money or the sale of your good.

A provision of nonaffected liquidity

- The kind of use of the funds freed is very broad:

	You can:
	To carry out your personal projects
	To face a payment of back taxes
	To concretize your professional projects
	To generate complementary incomes
	To profit from an alternative to a loan relay
	To refund your debts personal or social
	To carry out the reorganization of your inheritance
	To have what to regulate a balance or a succesion
	To benefit from the protected placement appropriatenesses
	To honour your engagements without delay with payment
	To constitute a contribution for the purchase of a real estate
	To inject capital in your company or in currant account
	To decrease or extinguish the capital remaining due on a too heavy credit
	To finance the studies of your children
	To have liquidities while waiting for a sum which you will perceive
	To finance a good abroad for which you do not manage to have credit

Is Equity Release adapted for you?
The methods being different for each situation and each objective, best for you is meet a consultant Axess Finances! It will help you to find and set up an adapted and pesonnalized solution.