A first step towards independence
At the age of 30, Tom, a young engineer with a 4-year permanent contract, decided to take the next big step : becoming a homeowner. Living in Frankfurt, he spotted a bright 52 m² apartment ideally located for a first purchase. Close to transport links, with balcony and parking, this T2 represents the perfect compromise between comfort, accessibility and a good investment.
The asking price is €185,000, including agency fees. Tom has a €25,000 down payment and would like to finance the remainder with a mortgage. Determined but inexperienced in this area, he turned to Garantia Credit for help.
Objective : obtain a loan quickly
Once the offer to purchase has been accepted, the countdown begins. The real estate agent reminds him that the preliminary sales agreement gives him 45 days to obtain financing. So he had to act fast.
Tom, anxious not to miss this opportunity, wants to obtain a loan :
With no administrative delays
With a competitive rate
And above all : adapted to his borrowing capacity.
He discovered Garantia Credit, simulated his loan online and received a proposal in just a few minutes. Seduced by the clarity of the information, he contacts an advisor the next day.
A smooth, efficient application process
An initial discussion with our team enables us to analyze your situation in detail :
Income : €2,900/month
Monthly expenses : €620 (rent + car loan)
Personal contribution : €25,000
Stable, permanent job
No banking incidents
Result : his debt ratio is reasonable, and he can qualify for a loan of up to €160,000 over 20 years.
Our advisor suggested a 20-year fixed-rate mortgage, with monthly payments of around €890/month (excluding insurance), corresponding to 30% of his income – an ideal balance.
The required documents are quickly forwarded by Tom :
Identification
Proof of address
3 pay slips
Tax returns
Bank statements
Sales agreement
Everything is sent within 48 hours, via our secure platform.
A loan offer validated in record time
Once we’ve received your complete application, our team gets to work. The in-depth creditworthiness study is launched on the third day. Thanks to our digitized process, with no unnecessary intermediaries, the agreement in principle is issued on the 7th day, barely a week after the first contact.
Tom then receives his official loan offer on the 11th day, after validation of the guarantees and financial package. He signs it electronically, then waits the mandatory 10 days (the statutory cooling-off period).
On the 15th day, the loan is definitively validated.
Transparent financing conditions
Tom’s mortgage is structured as follows :
Amount borrowed : €160,000
Term : 20 years (240 months)
Fixed APR : 3.95
Monthly payment : €890 (excluding insurance)
Our advisor takes the time to explain each line of the contract. No hidden fees, no surprises. Tom appreciates our educational approach and responsiveness.
Tom : “What reassured me was that everything was clear. I’d never taken out a mortgage before, and I was able to ask all my questions.”
Signature at the notary’s office with complete peace of mind
Thanks to this controlled timeframe, Tom was able to notify the estate agent and the notary quickly. The deed of sale was signed a month later. No stress, no reminders : the financing was in place.
The seller, reassured by the solidity of the file, maintained the sale without renegotiation. The purchase was completed on schedule, with the keys handed over on the agreed date.
A successful first acquisition
Today, Tom is settled into his apartment, fully satisfied. He has done some minor painting and decorating work with his remaining savings. He appreciates the peace of being at home, the stability that this property represents, and the future value of his assets.
Tom : “I didn’t think things would go so quickly. Within 15 days, I had a clear answer, a validated loan, and human support from start to finish.”
Why did this file work so quickly?
Several factors enabled Tom to obtain his mortgage in 15 days :
✅ A stable profile (regular income, CDI, no excessive debt)
✅ A complete file sent quickly
✅ A clear, realistic application
✅ A responsive credit organization with digital procedures
✅ Personalized support from a single advisor
It’s proof that even for a first purchase, it’s possible to act efficiently, without unnecessary complexity.
Real estate loans : instructions for use
As a reminder, a mortgage is a long-term commitment, governed by legislation. It can be used to finance the purchase of :
a new or existing property
Land + construction
a primary or secondary residence, or an investment property
It can be at a fixed or variable rate, amortizable or bullet, depending on the project.
Our mission is to provide every borrower with a solution :
Adapted to their situation
Easy to understand
Safe and controlled
Our advice to future buyers
If, like Tom, you are preparing your first purchase, here are a few useful tips :
Calculate your borrowing capacity before looking for a property.
Build up a deposit, even a modest one
Anticipate ancillary costs : notary, guarantee, insurance, etc.
Prepare your complete application in advance
Use a reliable organization capable of acting quickly.
Don’t hesitate to ask any questions you may have before signing.
Good financing is the key to a successful purchase. Our team is here to guide you every step of the way.
In conclusion
Thanks to our tailor-made support and unfailing responsiveness, Tom was able to complete his first property purchase in complete confidence, within a short timeframe and without stress. His example shows that it is possible, even without experience, to obtain a loan suited to your project and your ability.
Are you ready to become a homeowner? Contact us to discuss your project and simulate your loan free of charge.
