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Crédit Foncier"s financing solutions
Our key strengths

 

Crédit Foncier at a glance

Crédit Foncier de France, a subsidiary of Groupe Caisse d’Epargne, the leading French banking group, is a financial institution specializing in real-estate financing solutions. It was created in 1852 by the public authorities with a view to organizing mortgage lending in France along the same lines as the German mortgage banks. It has since become a key player in the different property markets and developed its financing activities with a wide spectrum of clientele ranging from private individuals to professional customers.

Crédit Foncier is present at every stage in the property market value chain and it boasts, in addition to the expertise of its specialized financing teams, a number of specialized subsidiaries such as :

  Compagnie de Financement Foncier, the largest private bond issuer after the French State (AAA-rated obligations foncières, or covered bonds)
  Foncier Expertise, the leader in property valuation services in France
  Keops Entreprises, a major player in commercial real estate

Some key figure

  1 million customers
  Outstanding loans: €45.5bn
  2005 new loan production: €10.5bn
  2005 new loan production with business customers and investors: €2.8bn
  Appraisal assignments per year: 35,000
  Deposits, savings and investments under management: €4bn
  Bond issues: €13.2bn

The Corporate Customers & Investors Department

Centralized at the bank’s head office, the staff of the Business Customers & Investors Department – comprised of teams specifically dedicated to real-estate professionals – takes charge of all the different specialized financing solutions requiring in-depth analysis. Their customers are chiefly real-estate companies, investment funds, private investors, corporate customers, private operators in the energy industry, public authorities working within the framework of public-private partnerships, property developers, real-estate management companies, etc. The Business Customers & Investors Department works closely with all these French or foreign customers.

  Crédit Foncier, the partner for all your operations back to top

Whether your aim is to finance the acquisition of real-estate assets, buy shares in real-estate companies or pursue restructuring or securitization operations, the Business Customers & Investors Department is your key partner for the successful completion of your projects. Our specialized personnel offer their services for your operations both in France and throughout Europe.

Crédit Foncier helps you to finance your projects for the acquisition of real-estate assets in the following areas :

Business Real Estate : Offices
    Shopping centers and other commercial premises
    Warehouses - Logistics platforms
    Business premises
Nursing homes for the elderly
Hotels
Tourist and recreational accommodation
Student accommodation and halls of residence

Crédit Foncier also offers you the full range of its expertise and support in highly specialized areas such as the energy sector (chiefly wind farms) and the financing of public-private partnerships.

  Specialized teams at your service back to top

You will be put in contact with a dedicated account manager, a specialist in your business area, depending on the precise nature of your project :

BUSINESS REAL ESTATE

Whether your project involves business or operating premises (hotels, homes for the elderly, private hospitals, etc.), the Business Real-Estate Market Department offers you the full benefit of its detailed understanding of the property markets and its financial expertise.

     
 


Manager
Jean-Michel BRUNET
email : jean-michel.brunet@creditfoncier.fr

 
     
 

Assistant Manager
Etienne PROCUREUR
email : etienne.procureur@creditfoncier.fr

 


STRUCTURED FINANCE

The Structured Finance Department adopts an approach that combines elements of traditional lending and money market activities. It sets out to develop relevant innovative solutions with a view to ensuring, at all times, the constant optimization of the financing package it recommends. The team will allow you to benefit from its wide-ranging expertise in both economic structuring and financial engineering.

 

Manager
Patrick VANHOUTTEGHEM
email : patrick.vanhoutteghem@creditfoncier.fr

 


For your Real-Estate Investments requiring a sophisticated financing solution

 

Manager Structured Real-Estate Finance
Maurice Boukobza
email : maurice.boukobza@creditfoncier.fr

 


For your more highly complex projects pursued within the framework of Private-Public partnerships, Crédit Foncier offers you the wealth of its expertise notably by taking part in partnership companies :

 

Manager Private-Public Partnerships
Jean-Michel PROUST
email : jean-michel.proust@creditfoncier.fr

 


For financing solutions related to the installation of wind farms :

 

Manager Energy
Benoît LUCAS
email : benoit.lucas@creditfoncier.fr

 


  Crédit Foncier's financing solutions back to top

Crédit Foncier offers you a comprehensive range of medium-, long- and very long-term financing solutions for the acquisition of your real-estate assets or the completion of other real-estate transactions :

Medium-/long-erm mortgage loans
Very long-term loans (30 years)
Real-estate lease financing
Customized structured finance solutions
Atypical amortization profiles

The minimum intervention threshold is fixed at one million euros; there is no maximum amount. For more significant operations, Crédit Foncier, allied with the different Groupe Caisse d’Epargne subsidiaries, can act as the lead manager of a banking pool.

  Our key strengths back to top

Expertise in every segment of the real-estate market
Substantial intervention capacity
Mastery of financing and refinancing techniques (with our AAA-rated refinancing capacity thanks to our refinancing subsidary : Compagnie de Financement Foncier )

  The French commercial real-estate market back to top

Keops, a Crédit Foncier subsidiary and major player in the marketing of business real estate, regularly publishes surveys produced by its market research & analysis department.

To give you an idea of the major trends currently noted in the French property market, we invite you to download the latest market survey.

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  A few customer references back to top




Head office
Acquisition by COLONY of the head quarter building of ALCATEL ESPAÑA in Madrid.
Involvement in the syndicated loan jointly arranged by Société Générale and
Natexis-BP





Business premises
Acquisition by CORTONA of three of the four buildings in the Médicis business park in Fresnes (94) (14,000 m²)


Minton Group

Logistics platform
Acquisition of 3 parcel service platforms let out to Frans Mass representing a total surface area of 5,000 m2 in Nantes, Orléans and Évreux



LBO
Acquisition of the Sérience Group by Batipart (Finagest), with the financial support of Morgan Stanley, with a view to creating the French leader in Residential Homes for the Dependent Elderly (co-arranger of the LBO)



Office building
Acquisition of a 6,100 m2
office building
in IVRY chiefly let out to Jet Tours





Hotel

Grand Hotel de Bordeaux (**** luxury hotel) comprising 150 bedrooms and suites, an upmarket shopping arcade, a spa, a gourmet restaurant, lease financing operation under Fortis lead



PPP : Financing of a gendarmerie
unit in Chalonnes-sur-Loire
(Maine et Loire).
Architect: Douesneau
Partners Groupe GTM construction






2005: arrangement of the senior-debt financing of the “Le Haut Des Ailes” project. Three wind farms representing a total generating capacity of 32 MW in the Lorraine (towns of Igney, Amenoncourt, Repaix and Foulcrey). The financing of 16 wind turbines, each representing a power of 2 MW, was arranged on behalf of the ERELIA Group, which involved a large number of local investors in the project


 

 

ADRESS :

  CREDIT FONCIER
  Business Custormers & Investors Department
  4 Quai de Bercy
  94224 CHARENTON Cedex
  France