OPTIMISATION DE PLANS DE FINANCEMENT IMMOBILIERS

Market finance has become a major application field ofoperations research. On the other hand, rare are the applications im-pacting the retail banking, turned toward general public. In this paper,a topical problem in the French banking sector is approached : the op-timization of real-estate financial plans. The present work was done inthe context of the development by the firm Experian-Prologia of a newmortgages processing application for an important French bank. Ouroptimization module, in the heart of this application, is now deployedin the 2200 branches of this bank and enables to simulate and assemblyseveral thousands of real-estate financial plans every month