Welcome to Crédit Agricole Loire Haute-Loire
Day to day banking
Opening a French bank account, it's simple
Use Your cheque book throughout France. Withdraw cash and make payments in France and abroad with a Eurocard Mastercard. Pay your French property utility bills.
Our debit/credit Cards
We offer a wide range of cards, each with a confidential PIN code. Please note that these cards are not credit cards with a credit limit.
Making your life easier in France with our essential services
"Compte Service" is a package offering several necessary services :
- insurance system in case of loss/theft of your credit/debit card, and / or cheque book.
- Free On-line Banking.
- Overdraft at a lower rate for those special unaccounted purchases. Managing your account : any sum which exceeds an agreed amount is automatically transferred to a saving account.
Loans and Mortgages
Financing your projects and your French property.
purchasing a property in France, renovating your French property, or
building a property, we offer a full mortgage service with information
and an application form in English.
With Crédit Agricole Touraine and Poitou, you can discuss any matter concerning the purchase of your property as well as your mortgage. For instance, we will finance up to 100% of the property investments (purchase price and renovations) over a maximum of 25 years. There is a choice of fixed and variable interest rates. To obtain a mortgage your total monthly payments (existing loans + any rent paid + the new French loan) should not exceed 1/3 of your monthly net income.
Many possibilities are at your disposal. However, some investments are only possible if you are a permanent French resident.
- Saving when you feel like it;
- Getting a quarterly or a yearly income from your savings;
- Scheduled savings;
- Secured saving;
- Diversifying your investments through buying shares on the stock exchange.
Protecting your family, home and vehicle
We provide coverage for your main and secondary residence and as well as any rented properties.
You can benefit from a “replacement as new” condition for both your main and your secondary home. This is an unusual French insurance policy ; goods are more often insured on a wear and tear basis.
You can choose from any of the packages specially developed to suit your needs : comprehensive, all-in and third party insurance. You must provide a written declaration (in French) from your insurance company. We also offer health and life insurances.