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Local contacts

France: +33 (0)1 53 43 87 00 (9am - 6pm)

Luxembourg: +352 47 93 11 1 (8:30am - 5:30pm)

Monaco: +377 97 97 58 00 (9/12am - 2/5pm)

Switzerland: Geneva +41 22 819 02 02 & Zurich +41 44 218 56 11 (8:30am - 5:30pm)

Claims

Financing my real estate projects

Understand your needs

Societe Generale Private Banking assists you with all these projects by providing you with financing through a real-estate loan based upon your current net worth, a borrowing and repayment ability.

You can choose a medium or long-term loan:

  • Fixed interest rates, variable interest rates or a combination of both.
  • Loans amortisable, repayable at maturity or a combination of both.
  • Financing in EUR, USD, CHF, GBP.

The financing rate depends on the quality and location of the underlying property.

Property located in the following countries are potentially eligible for mortgage finance  : Spain, France, Guernsey, Gibraltar, Jersey, Luxembourg, Monaco, the UK, Switzerland, etc.

Why us ?

Societe Generale Private Banking entities have significant credit expertise available to our clients.

We have an in-depth knowledge of the European market with local expertise in many countries.

Leader in the financing of luxury properties in the Alpes – Côte d’Azur region of France.

Ability to pledge financial assets held under a discretionary managed investment portfolio.

Loans can be with recourse to the assets pleadged as security only.

Step by step

#1

Mobilisation of the credit advisory team if necessary.

#2

Possibility of client support regarding a bridging loan.

 

 

#3

Financing of all types of real estate, including luxury and exceptional properties.

 

#4

The loan amount and guarantees depend on the country, financial assets and client strategy.

Did you know ?

Real-estate in various regions can be used as collateral:

  • France - Paris, Côte d’Azur, Alps, Bordeaux, Lyon, Deauville
  • United Kingdom - London, Liverpool, Edinburgh, south-east England
  • Gibraltar
  • Guernsey
  • Jersey
  • Luxembourg
  • Monaco
  • Switzerland – Cantons of Geneva, Valais and Vaud, Crans-Montana, Verbier, Saint-Moritz, Gstaad
  • Spain - Madrid, Marbella, the Balearics

Questions/Answers

No, the loan can also be taken out via a structure such as a property investment company.

Yes, in compliance with each country’s regulations. The mortgage can also be supplemented with other financial assets as collateral.

Yes, we are financing the hotel building. If you also want to finance the business, we can put you in contact with the appropriate Corporate Financing department.

No, not necessarily; it depends on the level of level of debt coverage and nature of the structure.

What are the risks ?

 

If the market value of the assets used as collateral falls, additional funds may be requested to be pledged as additional security. Should you fail to repay your credit, assets used as collateral (financial assets or real-estate assets) may be sold to facilitate repayment of the debt.

Important information

The content provided on this page is for informational purposes only and is not contractually binding. It is not intended to provide investment advice or any other investment service and does not constitute a personal recommendation, advice, or an offer from Societe Generale Private Banking to purchase, sell or subscribe to investment services and/or financial products.

The information contained on this page shall not be considered legal, tax or accounting advice. The materials contained therein are for illustrative purposes only and designed to provide the reader with information that may be of use in making decisions. Under no circumstances should it be construed as a personalised recommendation. Readers should consider it neither as an investment recommendation, nor as legal, accounting, or tax advice. All wealth management strategies under consideration will need to be approved by your usual legal and tax advisers before implementation.

This document is prepared using sources that Societe Generale Private Banking considers to be reliable and accurate at the time of its creation. Any and all information contained in this document may be amended without prior notice. In no event shall any Societe Generale Private Banking entity be held liable for any decision made by an investor on the basis of this information.

The contents of this page may not be reproduced, in whole or in part, without Societe Generale Private Banking's prior written consent. This document may not be disseminated in the US or to a US resident in any form whatsoever.

Before subscribing to any investment service or financial product, potential investors must read all of the information contained in the detailed documentation on the service or product being considered (prospectus, regulations, "Key Investor Information Document", Term Sheet, and contractual terms of the investment service), paying particular attention to that concerning the risks associated with the service or product.