A source of significant stress for the borrower, a real estate purchase can be made with greater serenity, by calling on a credit broker . The eCredit company has many arguments to convince . Focus on a network in the making.
A 100% Free Service
In the broker market, there are two traditional ways of doing business: on the one hand, the paying experts, who build their fees by a payment from their client and another from the bank chosen; on the other hand, free brokers, who get paid only from the commission paid by the lending institution. The eCredit network has chosen not to charge fees to its customers (except for professional credits). Attention, the free does not induce any lower service, only a very competitive cost for the borrower !
The quality of the accompaniment
In the broker market, two major organizations cohabit: experts available only on the web and those who prefer the physical relationship. If the former can thus optimize their price, they can not handle more “subtle” files. For example, entrepreneurs borrowers require more attention than an employee on permanent contracts. At eCredit, brokers systematically carry out telephone and physical interviews, to properly manage the file: a rigorous follow-up, which ensures an optimal service to each customer. Enriched with the information thus exchanged, they can better help them, guide them and advise them, according to their desires, their needs and their financial situation.
The professionalism of brokers
The profession of broker is highly regulated: to be able to exercise it, legally, each expert must register for ORIAS (Organization for the single register of intermediaries in insurance, banking and finance): a number he can communicate to its customers on request, to guarantee its seriousness and expertise. eCredit brokers also benefit from ongoing credit broker training , which is mandatory every year.
The eCredit Partners
On this point, eCredit can well make a difference : the company can rely on a real local presence (franchises), while enhancing the power of its organization (network). With these arguments, each broker eCredit can get the best price conditions : in fact, the said company has many serious partners, both bankers and insurers, established throughout the Hexagon.
Another specificity of this company, she also set up a partnership with the real estate agency GH Credit – its expertise used to validate the financing, at the beginning of the research of the good, even to optimize it if the future purchaser needs to extend his budget.
A powerful tool for brokers
eCredit also offers its franchisees, its Fox Credit Pro software package with multiple benefits . Indeed, this powerful computer tool allows, among others, to:
- Optimize credit applications from banks and credit institutions;
- Solicit banks at one time;
- Follow up the file with the different actors (client, notary, bank …);
- Facilitate transversal written communication and make it faster;
- Lift the suspensive loan clause and confirm the transaction;
- Know the commercial margin made on each of the accepted files.
The company eCredit advocates transparency vis-à-vis its professional partners real estate and its customers: from the first exchanges, it establishes an offer as clear as precise. With it, no bad surprises are waiting for the borrowers, insofar as the conditions relating to the brokerage service are well detailed from the outset . Side partners, same observation: the fees are clearly defined!
The word to the franchisees of eCredit
Present at the show of the Franchise Expo Paris 2018, eCredit draws up the balance sheet : it brings together today 45 experts, able to accompany, from the discovery of the project to the final rendering, by way of the development of the financing plan and the negotiation with lending institutions. The company is taking the opportunity to post its development goals – ie, 70 franchisees for 2018 and 100 for 2019, with, as today, a sponsorship system, to carry newcomers.
To meet these multiple objectives, eCredit has built a new formula, called “M +” , offering 0 € network entrance fees , instead of the usual 10 000 €. In this way, the company wants to attract candidates to the franchise, with a good appetite for the broker trade, but not necessarily this contribution to integrate the network. In exchange, the newcomer will pay a higher fee (20% instead of 4%), the time to raise funds, to switch to the classic formula.