Devis de prêt hypothécaire : organigramme acheteurs UE

Real estate infographic titled "Mortgage Loan Estimate Flowchart for First-Time Buyers in Europe". MORTGAGE FLOWCHART archetype. Photorealistic modern desk scene with realistic paper textures, printed mortgage loan estimate documents, neatly arranged in a clean editorial real-estate magazine infographic layout. Minimal corporate design, professional blue and gold palette, sharp typography, elegant small icons, no people, no logos, no brand names. Include 7 numbered flowchart stages connected clearly across the layout, each with a short English heading, time estimate, illustrative cost example labeled example, and a small property or document icon: 1. Check Budget — time estimate: 1 day — example borrowing capacity: €250,000 example — house and calculator icon. 2. Compare Interest Rates — time estimate: 2–3 days — example fixed rate: 3.6% example, variable rate: 3.2% example — percentage and document icon. 3. Gather Required Documents — time estimate: 3–5 days — example papers: ID, payslips, tax return, bank statements — folder icon. 4. Review Monthly Payment — time estimate: 1 day — example monthly payment: €1,180 example — euro and calendar icon. 5. Add Insurance — time estimate: 1–2 days — example borrower insurance: €45/month example — shield and contract icon. 6. Submit Application — time estimate: 5–10 days — example application fees: €350 example — stamped document icon. 7. Approval Decision — time estimate: 1–3 weeks — example approved loan amount: €240,000 example — key and checkmark icon. Include side comparison boxes for loan estimate details, APR example, total repayment example, down payment example, and closing-related fees example in EUR (€). Emphasize borrowing capacity, approval steps, and insurance in a polished, easy-to-read flowchart composition. All text rendered cleanly in English, no spelling errors, no gibberish characters, illustrative numbers labeled "example", no specific real-bank or brokerage logos, no watermarks No real bank / brokerage / lender logos. Illustrative numbers labeled as example. No specific listing prices or city-specific guarantees.