Sn a market that is nevertheless very competitive and in a tense economic context, the company is doing well. Meeting with Mickaël Perrotin, Managing Director of the Premista group, who explains why.
Openness to the field of possibilities
Ymanci was born from a clear conviction of its leaders: “Financing should not be a hindrance but a means to carry out your projects”. Real estate acquisition, work, car purchase, children’s studies, investment in SCPIs are all projects that we can have without having the ability to finance them. Ymanci’s multi-specialty and the expertise acquired over the past 20 years now enable it to offer loan consolidation, mortgage and insurance solutions for any customer profile.
“To finance a project, we think almost systematically of taking out a consumer loan or a mortgage. However, depending on the client’s situation, this is not always the best solution,” explains Mickaël Perrotin. Thanks to its access to a very wide range of traditional and alternative financing solutions, Ymanci and its teams seek the most suitable financing product for its client. Also, an investor customer will find, with the company’s experts, a financing product adapted to his expectations, in the same way as a customer looking for a solution to reduce his monthly payments.
As Mickaël Perrotin adds: “We can all be supported to be sure to make the right decisions for all our financial projects, from the simplest to the most atypical. »
Beyond financing solutions, Ymanci provides its customers with a loan insurance comparator. Whatever the customer’s profile, the tool identifies the insurance companies that could suit their situation. Customers with aggravated health risks, performing a job considered “dangerous”, seniors, non-residents for tax purposes or even customers with large capital, are generally difficult to insure on the market. With Ymanci, these customers find competitive solutions that meet their borrower insurance needs*.
The grouping of credits under the magnifying glass
Car loan, real estate loan, consumer loan… Nearly one household in two has at least one loan and more than 11% have several loans (source INSEE). But each with its own rate, so that there are strong disparities from one credit to another. So, to smooth repayments and benefit from a single and competitive rate, Ymanci offers credit consolidation at the heart of its business.
Contrary to popular belief, this solution is not only for people in bad debt. The spectrum of loan repurchase is much broader and also allows you to:
- Reduce your monthly payments and rebalance your budget
- Anticipate retirement and the drop in income inherent in this stage of life
- Finance a new project such as renovation work or the purchase of a vehicle without increasing your monthly payments*
- Invest in atypical products such as works of art, wine estates or SCPIs by generating new financing capacity.
By spreading the credit over a longer period with lower monthly payments and a secure rate, the grouping of credits becomes a real opportunity to concretize the projects of the borrowers. With very low and fixed credit rates and at times lower than inflation, it is not a bad strategy to borrow over a longer period, especially if the objective is to acquire or enhance capital. .
More flexible conditions
Most of the time, credit is granted only if the borrower meets very strict criteria. The 35% debt ratio (borrower insurance included) is the limit not to be exceeded to hope to obtain the bank loan. At Ymanci, we reason in rest to live. In other words, if the indebtedness is higher but the sum remaining available allows customers to bear their daily expenses, Ymanci can intervene and finance them.
Privileged access to offers from a large number of banking partners gives the company broader credit and insurance accessibility criteria than a traditional financial institution. By partnering with the most influential banks in the market, Ymanci ensures that it obtains the best conditions for its clients.
It is in this spirit that in 2020 it launched the Best Rate Guarantee**, a customer promise which involves reimbursement of the difference if the customer finds an offer better placed than his own after signing the contract. “If we allow ourselves to make this promise, it is because we want to assure our customers that by using our services they will be guaranteed to find the best solution on the market,” concludes Mickaël Perrotin.
To ensure its growth and development, Ymanci relies on the strength of the Premista group, a leader in banking intermediation. Composed of several agent companies, the Premista group is present throughout France through its 150 agencies and 1,150 employees, freelancers and agents.