tag:blogger.com,1999:blog-2394835278337306813.post2073751233571966448..comments2024-03-21T12:20:09.085+01:00Comments on Totally Frenched Out: Faire racheter son pret immobilier, part 1Ksamhttp://www.blogger.com/profile/05991667611234163617noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-2394835278337306813.post-38778588983645513822017-04-17T09:52:26.238+02:002017-04-17T09:52:26.238+02:00@Eileen - Interesting, I have never heard of the C...@Eileen - Interesting, I have never heard of the CASDEN! How do you earn the points? I'll have to try to google it to learn momre. Ksamhttps://www.blogger.com/profile/05991667611234163617noreply@blogger.comtag:blogger.com,1999:blog-2394835278337306813.post-23951526494977579322017-04-15T11:21:13.811+02:002017-04-15T11:21:13.811+02:00We've actually done this twice already since w...We've actually done this twice already since we bought our home in April 2014. But our loan is through the CASDEN, where you earn points that you can then use to lower your interest rate. The first time we shopped around and realized that it wasn't worth switching (it was a little cheaper to stick with the CASDEN and use our points, though I actually would have liked to leave the Banque Populaire!) and the second time we didn't bother, we just used our points and lowered it again. J has been gung ho about this from the beginning, so I haven't followed it much. I don't actually know what our interested rate is now---it was 3% in 2014. We reduced from 20 to 17 years the first time so our monthly payments didn't actually go down, but the second time they went down by 50€, which is nice!Eileenhttps://www.blogger.com/profile/01698619723127920555noreply@blogger.com