Credit & Loan Solutions | SOFIES

Loan amount : From €50,000 to €1,000,000. Residential or investment.

Repayment period : 5 to 30 years based on your financial situation.

Down payment : 10% down payment recommended, notary fees included.

Borrower insurance : Full borrower insurance: death, disability, incapacity.

Available credit line : From €20,000 to €500,000 — up to 80% of property value.

Flexible term : 5 to 25 years based on your situation.

Mortgage security : Mortgage security — preferential rates guaranteed.

Free use : Completely free use. No proof required.

Renovation financing : From €1,000 to €150,000 for all works.

Adaptable term : 6 months to 15 years based on project scale.

No guarantee required : No mortgage or joint guarantor required.

Progressive drawdown : Progressive drawdown as work progresses.

Eco-friendly amount : From €500 to €75,000 for energy works.

Flexible term : 6 months to 10 years.

Green loan compatible : Combinable with green loan programmes.

Tax benefits : Tax credits available.

Large financing : From €50,000 to €2,000,000 — up to 80% of current value.

Short-term solution : 6 to 24 months until sale.

Bullet repayment : Interest only — capital repaid at sale.

Security on property being sold : Current property as security.

Vehicle financing : From €5,000 to €100,000 — accessories and insurance included.

Adapted term : 12 to 96 months based on budget.

Financing up to 100% : Up to 100% of purchase price, with or without deposit.

New and used vehicles : Cars, motorbikes, motorhomes, vans — trade-in included.

Leasing : From €10,000 to €80,000 — access premium vehicles.

Flexible contract : 24 to 60 months.

No down payment required : Deposit from 0% to 30% based on profile.

Purchase or return option : Buy at residual value or return at end of term.

Loan with no proof required : From €1,000 to €75,000 for all projects.

Flexible repayment : 12 to 84 months based on your preferences.

No proof of use required : No proof of use required.

Funds released in 48h : Answer in 24h, funds released after signing.

Equipment financing : From €500 to €35,000 for equipment.

Modular term : 6 to 60 months based on purchase.

Specific use : Appliances, tech, furniture, garden.

Partner network : 500+ partner stores with exclusive offers.

Travel financing : From €500 to €25,000 for your travels.

Extended repayment : 6 to 60 months for relaxed repayment.

Travel insurance included : Cancellation, repatriation, 24/7 assistance included.

Agency partnerships : Preferential offers with our travel partners.

Debt consolidation : From €3,000 to €200,000 — all loans consolidated.

Long term : 12 to 180 months to reduce your burden.

Savings through consolidation : Monthly payment reduction up to 60%.

Additional liquidity : Additional cash possible at the same time.

Credit reserve : Permanent reserve from €500 to €6,000.

Automatic renewal : Automatic renewal with each repayment.

Free use : Completely free use, no justification.

Multiple fund access : Dedicated card, transfer or cash withdrawal.

Business financing : From €5,000 to €500,000 for your business.

Business term : 12 to 84 months based on your sector.

Versatile use : Equipment, vehicles, furniture, working capital.

All business sectors : All sectors: trades, retail, professionals, SMEs.

Education financing : From €1,000 to €60,000 — tuition, housing, living costs.

Extended repayment : 12 months to 10 years based on your studies.

Repayment deferral : Deferral up to 7 years — repay after graduation.

Parental guarantee : Parental guarantee or state guarantee accepted.

Small amounts : From €100 to €5,000 for essential projects.

Short term : 6 to 48 months for quick repayment.

Simplified access conditions : Criteria adapted to specific situations.

Financial inclusion : Open to all, including vulnerable profiles.