Home Presentation News Our offers Partners Sponsorship Our agencies - Subscribe to our newsletter - Contact You are here: Credit Rate Service / News Tweeter Can we still borrow over 30 years without a contribution? Yes of course ! Some banks offer fixed rate solutions with the possibility of modulating the maturity over time. Thus the purchaser borrows over a period of 30 years. In the event that it increases the amount of its due date by 10% (example excluding insurance: initial maturity of € 474.54 over 30 years. After 2 years, if the customer increases its maturity by € 47.20, ie 521, 74 €, its duration is reduced to less than 26 years). Thus the initial duration is reduced so the cost of credit is reduced (less monthly payments and insurance premiums paid by the customer) and the amortization of the capital is faster. To illustrate this reality: For 100,000 € borrowed (monthly payments excluding insurance) - Before modulation Amount borrowed term of the loan Loan rate Monthly payment 100,000 € 360 months 3.95% 474,54 € x 360 month Cost of credit: around € 72,200 For 100,000 € borrowed (monthly payments excluding insurance) - After modulation Amount borrowed term of the loan Loan rate Monthly payment 100,000 € 309 months 3.95% 474,54 € x 24 months 521,74 € x 285 month Cost of credit: around € 61,500 Either a reduction in the cost of credit of approximately € 10,700 + savings in insurance premiums Solution proposed for those under 35 and according to taxable income Previous Next News Financial calculator Amount of the loan : € Interest rate : % Number of monthly payments: month € / month Presentation Who are we? What is a broker? Customers and partners area. Our offer for professionals. Our offers. Real estate loan / credit. Loan insurance. Repurchase of credits. Loans to professionals. Tax exemption. Loan request / Free study within 48 hours Our agencies Our partners Sponsorship Financial calculator Our news Zero interest credit Legal Notice Realization: Mediapilote