Housing loan

The housing loan is intended for the purchase, construction, renovation or alteration of a property, located anywhere in the world, as well as for the purchase of a motor home, the construction of a swimming pool, the repayment of a mortgage or housing loan (granted only by a financial institution), etc.

Interest rates

The annual interest rate of 3.50% corresponds to the monthly rate of 0.29%.

It includes death/disability insurance, subject to rate changes in the meantime and is fixed for the first 48 months, then variable according to the prevailing interest rate for new housing loans.

Monthly interest is degressive, as the interest rate is applied monthly to the outstanding capital.

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Housing loan conditions

To find out which conditions apply to active and retired members, please consult the regulatory brochure on housing loans.

Documents to submit

The following documents must be submitted at the same time as the regular loan application:

1. the loan application form, duly completed and signed (handwritten signature only);
2. the medical questionnaire, duly completed and signed (handwritten signature only);
3. information sheet for home loans;
4. a copy of your last salary;
5. a copy of your last Pension Fund statement;
6. the last statements of your other credits/debts/credit cards, including UNFCU.

If you are not yet a member of La Mutuelle, please apply for membership. At the end of the process, you will be asked to send some documents to La Mutuelle by e-mail. Please add all relevant documents of your loan application and send them at the same time.

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