Do you need a deposit to get a mortgage?

Verified 07 June 2022 - Directorate for Legal and Administrative Information (Prime Minister)

The deposit is one of the possible guarantees of a mortgage, with the conventional mortgage and the special legal mortgage of the lender of money.

The bank may require you to have a bond to give you a mortgage. Typically, it's a financial organization that commits to repaying the mortgage on your behalf, when you don't. This is called bank guarantee.


the guarantor may also be a natural person.


Generally, the bank will put you in touch with a financial organization that specializes in bonding and of which it is a partner.

But you can also ask your bank to contact another financial institution.

If you are a public servant, you have the opportunity to call on your public servant.

Cost and benefit

Choosing a surety involves higher underwriting costs than a conventional mortgage.

In return, you will not have release fee payable if you sell the property under loan. In addition, you will be able to recover part of the underwriting costs at the end of the loan term (i.e., at the end of the repayment of the credit), under certain conditions.

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