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CAFPI, stylized as CAFPI (Conseil à l'accession et au financement en prêts immobiliers) is a commercial company, founded in 1971 in Sainte-Geneviève-des-Bois in the Essonne department, the French leader in real estate loan brokerage in 2009 and 2011.

History
Élie Assouline (born December 1948) founded the company in 1971. He wanted to make home loans simpler and more accessible through mortgage brokerage. In 1975, his brother Maurice Assouline (born December 1954) joined him. The company's legal structure changed, and it became a public limited company (SA) with a management board, registered in the Évry trade register on January 1, 2009. The Assouline family are the company's shareholders.

In its annual ranking, Challenges magazine estimates the professional fortune of Elie and Maurice Assouline at 130 million euros in 2018.

In 1975, the company set up its head office in Sainte-Geneviève-des-Bois, then in 1986 began to set up agencies, expanding in mainland France and the French overseas departments and territories (25 agencies in 2000, 150 in 2012). In 1993, Vitae Assurances Emprunteurs was created. 1999 saw the introduction of online brokerage via the Internet. In 2005, activities were extended to credit consolidation. In 2008, the company opens a subsidiary in Morocco.

Activity
CAFPI's customers are future buyers looking for financing. For potential buyers, the aim is to find the financing that best suits their needs: the broker is an intermediary between customers and banks, not the lender. Taking into account all the financing options available at any given time, CAFPI obtains advantageous terms from the banks, which it passes on to its customers. It's a bit like a "supermarket for mortgages".

The company's remuneration comes from the bank commission paid for the acquisition of a loan. This brokerage commission can also be referred to as a business introducer commission.

In addition, the company earns commission on the amount of loan proposals it makes on behalf of its customers.

The commission is between 0.8% and 1% of the loan amount.

In 2007, CAFPI joined forces with a Spanish bank to offer 50-year loans, with all the risks this entails.

In 2008, the daily newspaper Les Echos reported a "coup de théâtre" when CAFPI invited all the major banks to invest in its capital.

CAFPI brokered 5.2 billion euros of financing in 2011, in conjunction with over 110 banks, making it the leader in its field in 2011.

In 2009, CAFPI proposed a better framework for its business, advocating the registration of professionals in a file of banking intermediaries and the creation of a federation.

In 2010, CAFPI joined forces with online brokers Empruntis, Meilleurtaux and AB Courtage to create the Association professionnelle des intermédiaires en crédit (APIC). They are joined by the broker Credipro, with APIC (headed by the Chairman of CAFPI's Management Board) claiming a 35% share of the French credit brokerage market.

At the same time, CAFPI launches a loan insurance comparator. The simulator takes into account several variables: loan term, insured capital, cover offered (in particular work incapacity). The company also offers its customers assistance with credit restructuring, specific loan insurance and expertise in complex cases (job insecurity, life accident, insurance refusal, etc.).

In February 2011, a regional manager was indicted for fraud in the Appolonia case, in which CAFPI acted as a broker for the developer.

In 2011, contrary to certain analyses, such as that of the chief economist of the International Monetary Fund, published in the daily newspaper Le Monde on April 23, 2010, which refers to a real estate bubble in France, for CAFPI: there is no real estate bubble in France.

In 2012, CAFPI accounted for half the annual production of rental investment financing through the Scellier law alone.

In May 2021, the mortgage broker will come under the control of the BlackFin fund.