Ready for housing– LCEFCIAL
Your real estate project starts here, with simple and tailored financing.
Becoming a homeowner, buying land, building a house, or renovating a property: all these projects require solid and accessible financing. With LCEFCIAL, you benefit from a personalized home loan, designed to help you realize your real estate dream with complete peace of mind.
What is a housing loan?
A housing loan is a financing method intended for:
- Purchasing land or real estate (house, apartment)
- Building a house
- Extending or renovating an existing dwelling
- Purchasing a property through a life annuity or in a co-ownership arrangement
- Bringing a dwelling up to energy or technical standards
Features of the LCEFCIAL home loan:
- Loan amount: €5,000 to €100,000
- Repayment term: 2 to 20 years
- Interest rate: from 5.2% fixed APR
- Stable monthly payments, tailored to your income
- Option to defer payments (up to 6 months)
- No upfront payment required before disbursement
Eligibility requirements:
- Be between 21 and 65 years old
- Have a regular income (employee, business owner, retiree, self-employed)
- Provide a recommended down payment (optional but advised)
- Present a clear project proposal with supporting documents (quotes, preliminary sales agreement, plans, etc.)
Documents to provide:
- Proof of identity (national identity card or passport)
- Pay slips or proof of income
- Proof of address
- Quote or construction plan / preliminary sales agreement
- Bank statements (optional depending on the amount)
Client example:
« Thanks to LCEFCIAL, I was able to obtain a €25,000 loan to build my house on my family land. The financing was quick and straightforward. Today, I repay €205 per month and I finally have a roof over my head. »
End-to-end support
Our advisors will guide you every step of the way:
- Free feasibility study
- Application preparation
- Detailed, no-obligation simulation
- Fast disbursement after approval
- Personalized follow-up until the end of repayment