Financing
Financing an investor or family SCI
Buying through a société civile immobilière is common for joint investment, estate planning or structuring assets. The financing file then has its own specifics.
What lenders look at
The SCI borrows, but the analysis also covers its partners: situation, income, assets and, very often, personal guarantees. Also reviewed: deposit, expected rent, the property and the articles of association.
- Articles, partners and share split
- Deposit from the SCI or partners
- Expected rent and type of property
- Security requested (partner guarantees, mortgage…)
Income-tax or corporate-tax SCI?
The SCI’s tax regime is a matter for your legal and tax advisers. We help present a clear file whichever you choose.
A project?
Tell us in a few clicks what you want to finance.
Frequently asked questions
Does the SCI need a deposit?
Expectations vary by lender; the deposit remains an important element.
Are partners personally committed?
Lenders often ask for partner guarantees. Terms can be negotiated and depend on the file.
Let’s talk about your project
A few questions, a personalised review, a clear answer.