Banque Patrimoine et Immobilier

Saphir is a flexible, attractive and secure financing solution with duration up to 25 years (excluding a possible extension). It is suitable for all type of investments such as primary, secondary or a buy to let property whether it be newly built or existing property.

Saphir combines the triple advantage of a monthly payment with a variable capped rate as set out in the loan offer and a capped period.

          • Partial or total deferral period
          • Postponement of 3 monthly repayments, renewal if the previously postponed payments have been fully reimbursed

Soleil is designed for clients who wish to opt for maximum flexibility while ensuring a secure mortgage solution at the lowest market rate. The monthly repayments are fixed for 12 months and reviewed annually, the increase if applicable will be calculated on the rate of inflation in order to maintain constant repayments throughout the term of the loan*.

          • Change to a fixed rate at any time
          • Partial or total deferral up to 24 months
          • Possibility to increase or decrease the monthly repayments
             > maximum extenstion 5 or 7 years depending on the initial term of the loan.



For loans that are governed by Article L312-1 et seq. of the French Consumer Code (Code de la Consommation), the borrower has a 10-day cooling-off period. In such event, the sale is contingent on the loan being granted; if the loan is refused, the vendor must reimburse the sums paid.