Immobilier-surmesure.com Review

Based on looking at the website, Immobilier-surmesure.com presents itself as a modern real estate agency aiming to disrupt traditional property services in the East Parisian region, including Vincennes, Montreuil, and parts of Paris.

The site emphasizes personalized support, lower fixed fees, and a blend of traditional and digital tools to facilitate property sales, purchases, and rentals.

While it highlights customer testimonials and a strong local presence, the overall assessment reveals significant areas for improvement regarding transparency and ethical considerations.

Overall Review Summary:

• Trustworthiness: Moderate, due to lack of immediate, clear legal disclaimers and a general reliance on self-promotion without readily verifiable third-party certifications beyond customer reviews.
• Transparency: Low, as critical financial details like the full barème d’honoraires fee schedule are mentioned but not directly linked or easily accessible on the homepage, and there’s no clear privacy policy visible without clicking around.
• Ethical Considerations from an Islamic perspective: Concerns arise from potential engagement with conventional financing models that may involve interest Riba, given the nature of real estate transactions, and the absence of explicit disclosures regarding Sharia-compliant options. The general real estate industry often relies on conventional loans and mortgages, which are problematic from an Islamic standpoint.
• Website Usability: Good, with clear navigation for main services like estimation, sales, and rentals.
• Information Depth: Adequate for services offered, but lacks crucial legal and financial disclaimers upfront.
• Customer Support Accessibility: Good, with phone numbers and physical agency addresses clearly listed.

The website positions itself with a compelling narrative of “less agency fees and more service,” which is attractive.

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It boasts a 4.8/5 rating based on 419 customer reviews, which is a strong indicator of client satisfaction.

However, the core business of real estate, particularly in a conventional market like France, inherently involves financing structures that often include interest-based loans.

From an Islamic perspective, engaging in transactions that involve Riba interest is strictly prohibited.

While Immobilier-surmesure.com focuses on agency services selling, buying, renting, property management, they also mention accompanying clients in their “projets immobiliers,” which often implies assistance with financing.

The absence of any explicit mention of Sharia-compliant financing options or a clear disassociation from interest-based transactions is a significant ethical red flag for Muslim consumers.

Therefore, while their service model for agency work might be efficient, the implicit connection to conventional real estate financing models makes it a risky choice for those seeking ethically sound transactions.

Here are better alternatives focused on ethical property engagement, though direct Sharia-compliant real estate agencies are less common in the general market and require diligent search:

• Guidance Residential:
  • Key Features: Offers Sharia-compliant home financing based on Murabaha cost-plus financing and Ijarah leasing with a promise to purchase models. Focuses on ethical, interest-free homeownership.
  • Average Price: Varies based on property value and financing structure. typically involves a profit margin instead of interest.
  • Pros: Fully Sharia-compliant, transparent fee structure, widely recognized in the US as a leading Islamic finance provider.
  • Cons: Limited to financing, doesn’t directly offer real estate agency services selling/buying assistance.
• Lariba Bank:
  • Key Features: Provides Islamic financing for various assets, including real estate, adhering to principles of profit-sharing and asset-backed transactions.
  • Average Price: Dependent on the asset being financed.
  • Pros: Long-standing institution in Islamic finance, offers diverse Sharia-compliant financial products.
  • Cons: Not a real estate agency, focus is purely on financing, might require more research for specific property search.
• Islamic Finance House:
  • Key Features: Specializes in Islamic finance products, including home purchase programs that avoid interest.
  • Average Price: Competitive with conventional loans, but structured differently to ensure Sharia compliance.
  • Pros: Dedicated to Islamic finance principles, offers structured products to avoid Riba.
  • Cons: Primarily a financial institution, not a real estate broker.
• Zillow:
  • Key Features: A prominent online real estate marketplace for buying, selling, and renting properties. Provides vast listings, home value estimates Zestimates, and connections to local agents.
  • Average Price: Free for basic browsing and listing, agent fees apply for transactions.
  • Pros: Extensive database, user-friendly interface, comprehensive property information.
  • Cons: Does not offer Sharia-compliant financing directly, users must source ethical financing independently, requires careful navigation to avoid interest-based suggestions.
• Redfin:
  • Key Features: A technology-powered real estate brokerage that offers full-service agents and a unique model where buyers can get a portion of the commission back.
  • Average Price: Agent commissions apply often lower than traditional, free for browsing.
  • Pros: Lower commission fees, good online tools for home search and virtual tours, strong local agent network.
  • Cons: Conventional real estate model, no inherent Sharia compliance, users need to ensure financing and transaction methods align with Islamic principles.
• Realtor.com:
  • Key Features: Comprehensive property listings directly from MLS Multiple Listing Service, robust search filters, and neighborhood insights.
  • Average Price: Free for users, agent fees apply.
  • Pros: Up-to-date listings, detailed property information, useful neighborhood data.
  • Cons: Standard real estate platform, does not integrate Islamic finance solutions, requires users to be vigilant about avoiding Riba in their transactions.
• Local Islamic Community Centers/Mosques for Referrals:
  • Key Features: Many Islamic community centers maintain lists or can provide referrals to local real estate professionals who understand or are willing to work within Sharia-compliant frameworks for transactions, or to financial advisors specializing in Islamic finance.
  • Average Price: Varies based on the professional referred. typically standard agent fees.
  • Pros: Direct access to ethically conscious professionals, community trust, personalized guidance.
  • Cons: Limited in scope and availability depending on the region, may require more legwork to find suitable matches.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Immobilier-surmesure.com Review & First Look

Navigating the real estate market can feel like a labyrinth, especially when you’re seeking a clear, ethical path.

Immobilier-surmesure.com positions itself as a dynamic agency aiming to simplify this process in the East Parisian region.

Upon initial inspection, the website is designed to be user-friendly, offering quick access to their core services: selling, buying, renting, and property management.

They emphasize a personalized approach, claiming to provide “less agency fees and more service.” This promise is appealing, especially in a market where traditional commissions can feel exorbitant.

The site immediately highlights a significant number of positive customer reviews, boasting a 4.8/5 rating based on 419 testimonials. Tatransfers.com Review

This is a powerful social proof signal, suggesting a strong track record with clients.

They also showcase their experience, stating “près de 10 ans d’expertise” nearly 10 years of expertise in the Vincennes and East Parisian sectors, an important detail for establishing credibility.

The call to action is clear: “Contacter notre agence immobilière à Vincennes” with a prominently displayed phone number and physical address.

However, a deeper dive reveals areas where transparency could be significantly enhanced, particularly concerning the financial implications of real estate transactions from an ethical, Islamic perspective.

Initial Impressions on Usability and Design

The website’s design is clean and modern, facilitating easy navigation. Tryroxi.com Review

The main menu provides clear links to “BLOG,” “Estimation gratuite,” “Alerte acheteur,” and “Gestion locative,” among others.

This structure allows potential clients to quickly find information relevant to their needs.

The mobile responsiveness is also well-executed, ensuring a consistent experience across devices.

The use of vibrant imagery and testimonials creates an inviting atmosphere.

Prominent Claims and Service Offerings

Immobilier-surmesure.com’s primary claim is “Moins de frais d’agence et plus de service,” aiming to “casser les codes de l’immobilier traditionnel.” They highlight several key services: Sofx.com Review

• Free Estimation: Offers a no-commitment, in-home property valuation using laser measurements to ensure accuracy.
• Property Sales: Promises competitive fixed fees and a “sans mandat unique” approach, allowing sellers flexibility.
• Property Rentals: Manages the entire rental process, from tenant selection to lease drafting.
• Property Management: Provides comprehensive services, including a “Garantie loyer impayé” unpaid rent guarantee, a common feature in French property management.

These offerings are clearly articulated, and the website attempts to build trust by emphasizing transparency and a personalized agent-client relationship.

Missing Elements for Full Transparency

While the website presents a professional front, it notably lacks easily accessible, comprehensive legal and financial disclaimers that are crucial for a fully transparent online presence.

For instance, while it mentions “BARÈME D’HONORAIRES,” there isn’t a direct, readily visible link to a detailed, downloadable fee schedule.

This is a significant oversight for any financial transaction-oriented business.

Furthermore, a clear and exhaustive privacy policy, beyond the basic cookie consent, should be immediately apparent. 50shadesofcustard.com Review

The absence of these elements makes a comprehensive assessment of its operational ethics challenging.

Immobilier-surmesure.com Cons

While Immobilier-surmesure.com attempts to project an image of transparency and customer focus, a critical evaluation reveals several significant drawbacks, particularly from an ethical standpoint and concerning the general lack of certain standard website elements.

These cons are crucial for anyone considering their services, especially those looking for Sharia-compliant real estate solutions.

Absence of Sharia-Compliant Options

The most significant drawback for a Muslim audience is the complete absence of any mention or provision for Sharia-compliant financing or transaction models. Real estate, by its very nature, often involves large financial transactions that frequently rely on interest-based loans Riba and conventional insurance. In Islam, Riba is strictly prohibited. While Immobilier-surmesure.com acts as an agency, facilitating sales, purchases, and rentals, they implicitly operate within the conventional financial ecosystem where interest is prevalent. They mention “prêt immobilier” mortgage loan in their blog section, indicating engagement with topics directly tied to conventional financing. For clients seeking ethical real estate, this lack of explicit Sharia-compliant alternatives or even guidance on how to navigate the market Islamically is a critical deficiency. This means:

• No Murabaha or Ijarah options: The website doesn’t offer or guide users towards interest-free financing structures like Murabaha cost-plus sale or Ijarah leasing with a promise to own, which are permissible in Islam.
• Conventional Insurance Concerns: The mention of “Garantie loyer impayé” unpaid rent guarantee likely refers to conventional insurance, which can also have elements of Riba and Gharar excessive uncertainty making it problematic.
• Implicit Riba Exposure: Even if the agency itself doesn’t lend money, facilitating transactions where clients engage in Riba-based loans makes the overall ecosystem problematic.

Lack of Clear Financial Transparency

Despite claiming transparency, the website falls short in providing immediate, easily accessible financial details. Oceansbridge.com Review

The “BARÈME D’HONORAIRES” fee schedule is mentioned, but its exact location or a direct link is not prominent on the homepage.

This forces users to search or inquire, which is not ideal for a transparent business model.

In a market where clarity on fees is paramount, this omission is a notable con.

Limited Legal Disclosures and Privacy Policy

While a cookie consent banner appears, a comprehensive and easily locatable Privacy Policy document is not immediately apparent on the homepage. Similarly, Terms of Service or Legal Disclaimers pages, which are standard for professional websites handling sensitive client information and financial transactions, are not prominently linked. This lack of clear legal documentation raises questions about data handling practices and client rights.

Geographically Restricted Service Area

Immobilier-surmesure.com clearly states its focus on Vincennes and the East Parisian region Montreuil, Saint-Mandé, Paris 10, 12, 20, Fontenay, Bagnolet, Joinville, Charenton, Val-de-Marne. While this specialization can be a strength for local expertise, it’s a significant limitation for anyone outside this specific geographical area. Open-fast.com Review

For those seeking real estate services elsewhere, this agency is simply not an option.

Potential for Conventional Insurance

As mentioned, the “Garantie loyer impayé” unpaid rent guarantee offered under their rental management services is likely a conventional insurance product.

Conventional insurance, due to its elements of interest, gambling, and excessive uncertainty gharar, is generally considered impermissible in Islamic finance.

This means that engaging with this specific service might put a client in a difficult ethical position if they are adhering strictly to Islamic financial principles.

Reliance on Conventional Market Practices

The very foundation of the modern real estate market, globally, is often intertwined with conventional financial institutions and practices that are not aligned with Islamic principles. Bedandwood.com Review

While Immobilier-surmesure.com aims to be a modern agency, it does not demonstrate any effort to separate itself from these conventional, interest-based norms.

This makes it challenging for a Muslim consumer to interact with their services without indirectly engaging in transactions that are problematic from an Islamic perspective.

Immobilier-surmesure.com Pricing

Understanding the cost structure is crucial for any service, and Immobilier-surmesure.com emphasizes its competitive fixed fees.

They state, “Vendez votre bien à partir de 4500€ de commission” and claim “des honoraires plus intéressants que ceux des grandes agences,” positioning themselves as a cost-effective alternative to traditional real estate agencies.

They also claim to offer “un service haut de gamme pour un taux de commission le plus faible du marché,” based on a comparison to “agences classiques 5%”. Shivakitchen.com Review

Fixed Fees for Sales

The primary pricing model highlighted for sellers is a fixed commission starting from 4500€. This approach aims to provide clarity and predictability, contrasting with percentage-based commissions that can lead to higher costs on more expensive properties. For instance, if a property is sold for a significant amount, a fixed fee of 4500€ would be substantially lower than a 5% commission. However, the exact breakdown of how this fixed fee applies to different price points or property types is not immediately clear on the homepage, requiring deeper inquiry.

Commission Comparison

The website explicitly compares its fees to a “5% commission practiced by classic agencies,” implying significant savings. For example:

• Property Value: 300,000€
  • Classic Agency 5%: 15,000€
  • Immobilier-surmesure.com starting at 4500€: Significant savings 10,500€ or more
• Property Value: 500,000€
  • Classic Agency 5%: 25,000€
  • Immobilier-surmesure.com starting at 4500€: Substantial savings 20,500€ or more

While the “starting at” phrase suggests varying fixed fees depending on the service level or property type, the general intent is to offer a more affordable structure.

Free Estimation

A key component of their service is the “Estimation gratuite” free estimation of a property. This service is offered “sans engagement,” meaning clients can receive a professional valuation without committing to sell with the agency. This is a common practice in the real estate industry to attract potential sellers and build trust.

Rental and Property Management Fees

For rental services “Location” and property management “Gestion locative”, the website states “Nous nous occupons de tout” and “Nous assurons la mise en location de A à Z.” While the detailed fee structure for these services e.g., tenant finding fees, monthly management percentages is not directly presented on the homepage, it’s implied that these are also designed to be competitive. Juleshawkins.com Review

The mention of “BARÈME D’HONORAIRES” suggests a full schedule exists, likely accessible through a deeper navigation or upon direct contact.

Transparency of the Fee Schedule

The challenge for users is that the complete “BARÈME D’HONORAIRES” is not immediately visible or linked clearly on the main page.

This lack of upfront clarity, despite the emphasis on competitive pricing, can be a hurdle for potential clients who want to quickly compare costs without contacting the agency directly.

A transparent, downloadable fee schedule would significantly enhance trust and user experience.

Immobilier-surmesure.com Alternatives

Given the ethical concerns regarding interest-based transactions in conventional real estate and the geographical limitations of Immobilier-surmesure.com, it’s essential to explore alternatives. Franklincovey.com Review

These alternatives can broadly be categorized into those that explicitly adhere to Islamic finance principles and conventional platforms that, while not inherently Sharia-compliant, offer tools for independent property search, allowing users to then source ethical financing and engage with agents who understand their needs.

1. For Sharia-Compliant Financing Focus on Ethics

• Guidance Residential

  • Description: A pioneer in Islamic home financing in the US, offering Murabaha cost-plus financing and Ijarah leasing with a promise to purchase models. Their core mission is to provide interest-free alternatives to conventional mortgages.
  • Pros: Fully Sharia-compliant, established reputation, clear financing models, transparent structure, focuses on homeownership for Muslims.
  • Cons: Not a real estate agency. solely focuses on financing. Users need to find a property through other means.
  • Ideal for: Individuals actively seeking to buy a home without Riba.

• Lariba Bank

  • Description: An Islamic bank in the US providing a range of Sharia-compliant financial services, including real estate financing based on ethical principles. They avoid interest-based transactions.
  • Pros: Diverse Islamic financial products, adherence to Sharia law, experienced in Islamic finance.
  • Cons: Primarily a bank, not a real estate brokerage. Less active in property listing.
  • Ideal for: Those needing broader Islamic financial solutions for property or other assets.

• Islamic Finance House

  • Description: Offers Islamic finance products with a focus on home purchase plans that are structured to avoid interest. They aim to make homeownership accessible ethically.
  • Pros: Dedicated to Islamic finance, structured plans to avoid Riba, good for first-time ethical homebuyers.
  • Cons: Financial institution, not directly involved in property search or agency services.
  • Ideal for: Individuals specifically looking for an interest-free home purchase plan.

2. For Property Search and General Real Estate Services Requires Ethical Due Diligence

These platforms are conventional, but they are indispensable tools for property search. Qsortsindia.com Review

Users must then ensure their financing and transactional processes are Sharia-compliant, potentially by using one of the Islamic finance providers above and working with flexible agents.

• Zillow

  • Description: The largest online real estate marketplace in the US, offering extensive property listings for sale and rent, home value estimates Zestimates, and tools to connect with local real estate agents.
  • Pros: Vast selection of properties, user-friendly interface, comprehensive search filters, valuable market data.
  • Cons: Not Sharia-compliant by default, no inherent Islamic finance integration. Users must proactively ensure ethical transactions.
  • Ideal for: Anyone looking for a broad range of properties, willing to manage the ethical financing aspect independently.

• Redfin

  • Description: A technology-powered real estate brokerage known for offering full-service agents and a unique model where buyers can sometimes receive a refund of a portion of the commission.
  • Pros: Often lower agent commissions, excellent online tools including virtual tours and neighborhood insights, local agent support.
  • Cons: Conventional business model, no explicit Sharia-compliant features. Buyers/sellers need to ensure their financial arrangements align with Islamic principles.
  • Ideal for: Those seeking a modern brokerage experience with potential cost savings, and who can arrange ethical financing separately.

• Realtor.com

  • Description: A major online real estate listing service that pulls its data directly from MLS Multiple Listing Service, providing highly accurate and up-to-date property information.
  • Pros: Highly accurate and fresh listings, robust search capabilities, useful neighborhood and school data.
  • Cons: Standard real estate platform, no built-in Islamic finance features. Users must apply ethical filters themselves.
  • Ideal for: Serious property seekers who value up-to-the-minute listing data.

• Local Islamic Community Centers / Imams / Scholars Deploys.io Review

  • Description: Often the best resource for direct, localized guidance. Many community centers can refer individuals to real estate agents or financial advisors who understand Islamic finance principles and can facilitate transactions ethically.
  • Pros: Direct ethical guidance, personalized support, access to trusted individuals within the community.
  • Cons: Geographic limitations, availability depends on the community, may not have a centralized listing system.
  • Ideal for: Those who prioritize direct ethical consultation and local, trusted referrals.

How to Avoid Interest Riba in Real Estate

Avoiding interest Riba is a fundamental principle in Islamic finance.

When engaging in real estate transactions, this requires careful planning and a commitment to Sharia-compliant alternatives.

While conventional mortgages are built on interest, several Islamic financing structures have been developed to enable property acquisition without Riba.

Understanding Riba in Real Estate

Riba typically refers to the pre-determined, fixed increase over the principal amount of a loan, which is strictly prohibited in Islam. In conventional real estate, this manifests as:

• Mortgage Interest: The most common form, where banks charge interest on the loan amount used to purchase property.
• Late Payment Penalties: Often structured as additional charges that increase the original debt amount, which can also fall under Riba.
• Certain Insurance Products: Conventional insurance policies, which may involve elements of Riba due to investing premiums in interest-bearing assets, gambling due to the uncertain nature of payouts, and excessive uncertainty Gharar, are also problematic.

Sharia-Compliant Financing Models

Instead of conventional loans, Islamic finance offers alternative contracts for property acquisition: Citybookers.com Review

1. Murabaha Cost-Plus Sale:

   • Mechanism: The financial institution e.g., an Islamic bank buys the property from the seller at market price and then sells it to the client for a pre-agreed higher price, payable in installments over a fixed period. The profit margin is fixed upfront, not based on a fluctuating interest rate.
   • Key Aspect: The financial institution takes ownership of the property for a brief period before selling it to the client. The client is aware of the cost price and the profit margin.
   • Example: A bank buys a house for $300,000 and sells it to you for $450,000, payable over 20 years. The $150,000 is a fixed profit, not interest.

2. Ijarah Leasing with a Promise to Purchase:

   • Mechanism: The financial institution buys the property and then leases it to the client. The client pays monthly rent. A portion of the rent or a separate payment may go towards accumulating equity in the property. At the end of the lease term, or earlier, the client has the option to purchase the property.
   • Key Aspect: The financial institution retains ownership until the final purchase. The client essentially pays rent for the use of the property.
   • Example: A bank buys a property and leases it to you for 25 years. You pay monthly rent. After 25 years, or if you exercise an early purchase option, you acquire ownership.

3. Musharaka Mutanaqisah Diminishing Partnership:

   • Mechanism: This is a declining partnership where the financial institution and the client jointly own the property. The client pays monthly installments, part of which represents rent for the institution’s share, and part goes towards buying out the institution’s share of ownership. Over time, the client’s ownership percentage increases, and the institution’s decreases until the client owns the entire property.
   • Key Aspect: Both parties are partners in the property, sharing risks and rewards e.g., rental income if applicable, or shared responsibility for maintenance.
   • Example: You and the bank jointly buy a house. You pay a monthly sum, part of which is rent for the bank’s share, and part buys out a portion of the bank’s share, incrementally increasing your ownership.

Steps to Ensure Sharia-Compliance in Real Estate Transactions

1. Seek Islamic Financial Institutions: Prioritize banks or financial companies that explicitly offer Sharia-compliant home financing. Reputable options like Guidance Residential or Lariba Bank are designed for this purpose.
2. Verify the Contract: Always understand the specific contract Murabaha, Ijarah, Musharaka and ensure it aligns with Islamic principles. It should be asset-backed, avoid pure debt-for-debt exchanges, and ensure the institution takes genuine risk and ownership even if briefly.
3. Avoid Conventional Mortgages: Steer clear of any loan product that charges a fluctuating or fixed interest rate on the principal borrowed.
4. Consider Takaful for Insurance: For property insurance, opt for Takaful, which is an Islamic cooperative insurance system based on mutual assistance, rather than conventional insurance.
5. Consult a Scholar: If uncertain, consult a qualified Islamic scholar or an expert in Islamic finance to review contracts and ensure compliance.
6. Work with Ethical Real Estate Agents: While most agents operate conventionally, some may be willing to learn or have experience with Islamic finance structures. Inform your agent about your preference for Riba-free transactions from the outset.
7. Cash Purchase: The most straightforward way to avoid Riba is to purchase property outright with cash, if feasible.

By consciously choosing Sharia-compliant financing models and being vigilant about all aspects of the transaction, Muslims can navigate the real estate market while adhering to their ethical and religious principles.

immobilier-surmesure.com vs. Conventional Agencies

Immobilier-surmesure.com positions itself as a disruptive force against conventional real estate agencies, primarily by offering fixed, lower fees and a more personalized approach. Goinnovation.org Review

Let’s break down the key differences and where each model shines, or falls short.

Fee Structure: Fixed vs. Percentage

• Immobilier-surmesure.com: Offers a fixed commission starting from 4500€ for sales. This is a clear departure from the traditional model. The primary benefit for clients is cost predictability, especially for high-value properties where a percentage commission can quickly become substantial. For example, on a 500,000€ property, a 5% commission would be 25,000€, whereas Immobilier-surmesure.com’s fixed fee would be significantly less, potentially saving the seller tens of thousands of euros. This can be a huge draw for sellers.
• Conventional Agencies: Typically charge a percentage-based commission, ranging from 4% to 8% or even higher in some markets of the final sale price. This percentage can vary based on the property type, location, and agency. While it means agents are incentivized to sell for a higher price, it can lead to very high costs for sellers. For instance, in France, agency fees averaged 4.87% in 2022, according to data from Statista .

Service Model: Personalized and Hybrid vs. Traditional

• Immobilier-surmesure.com: Claims a “sur mesure” customized approach, blending traditional human contact “contact humain avec vous” with digital tools “outils numériques de pointe”. They emphasize a single dedicated agent “Votre agent suivra votre dossier personnellement” and offer flexibility like “accompagnement sans mandat unique” support without an exclusive mandate, allowing sellers to explore other options.
• Conventional Agencies: Often follow a more traditional, high-street agency model. While many have adopted digital tools, their core service is often built around a physical presence and established processes. Some may offer dedicated agents, but it can vary. The “exclusive mandate” is a common practice, binding sellers to a single agency for a set period.

Transparency: Partial vs. Established Norms

• Immobilier-surmesure.com: Promotes transparency in communication and service. However, as noted earlier, the full “BARÈME D’HONORAIRES” fee schedule is not immediately obvious on the homepage, requiring deeper navigation or direct inquiry. This contrasts with their stated value of “transparence totale.”
• Conventional Agencies: While their percentage fees are generally well-known, detailed fee structures for additional services e.g., diagnostics, advertising might also require inquiry. However, many established agencies have clear, publicly accessible fee schedules as per local regulations.

Ethical Considerations: Conventional Market Integration

• Immobilier-surmesure.com: Operates within the conventional French real estate market. While they focus on agency services, their implicit connection to conventional financing as evidenced by blog posts discussing “prêt immobilier” makes them challenging for those seeking strictly Sharia-compliant transactions. They do not explicitly offer or guide towards Islamic financing.
• Conventional Agencies: Are almost entirely integrated with and reliant on conventional, interest-based financial systems. They do not typically offer Sharia-compliant alternatives, and their operations are not designed with Islamic ethical finance principles in mind. This is a fundamental ethical issue for Muslim consumers.

Verdict: For someone whose primary concern is reducing agency fees and valuing a blend of digital convenience and personalized service within the conventional real estate framework, Immobilier-surmesure.com appears to be a competitive option in its specific geographical area. However, for those prioritizing strict adherence to Islamic finance principles and avoiding Riba, neither Immobilier-surmesure.com nor conventional agencies are ideal without external, diligent efforts to secure Sharia-compliant financing and transactional processes. The lack of an explicit commitment to or even acknowledgment of Sharia-compliant options remains a critical drawback for the Muslim community.

Immobilier-surmesure.com Location and Market Focus

Immobilier-surmesure.com clearly states its geographical focus, serving as a specialized real estate agency in specific areas of the East Parisian region.

Understanding their market penetration and localized expertise is crucial for prospective clients.

Primary Operational Hub: Vincennes

The website explicitly highlights its presence in Vincennes, frequently referring to itself as “Votre agence immobilière à Vincennes.” Their physical address, 135 rue de Fontenay – 94300 Vincennes, is prominently displayed, along with operating hours Monday to Saturday, 10h to 19h and metro access Métro Bérault – Ligne 1. This indicates Vincennes is their central operational hub and a key area of expertise. Prontoinc.com Review

Extended Service Area in East Paris and Val-de-Marne

Beyond Vincennes, Immobilier-surmesure.com extends its services across several neighboring towns and Parisian arrondissements within the “Est francilien” East Parisian region and “Val-de-Marne” department. The website lists its reach in:

• Cities/Towns:
  • Montreuil
  • Saint-Mandé
  • Fontenay-sous-Bois
  • Bagnolet
  • Joinville
  • Charenton-le-Pont
  • Saint-Maur-des-Fossés
  • Nogent-sur-Marne
• Parisian Arrondissements:
  • Paris 10e
  • Paris 11e
  • Paris 12e
  • Paris 20e

They also mention having “Nos 4 agences immobilières Immobilier-sur-Mesure” across Vincennes, Montreuil, Paris 11, and Paris 20, reinforcing their physical presence in these key sub-markets.

Local Market Expertise

The agency prides itself on its “près de 10 ans d’expertise sur le secteur de Vincennes et de l’Est francilien.” This localized expertise is crucial in real estate, as property values, market trends, and specific regulations can vary significantly even within a small geographical area.

Their agents are described as “spécialistes du marché de l’immobilier dans ce secteur,” suggesting an in-depth understanding of local nuances, which can be advantageous for clients.

For example, their blog even features articles like “Les prix au m2 à Vincennes en 2023,” demonstrating their granular knowledge of specific market conditions.

Strategic Regional Focus

This highly concentrated regional focus allows Immobilier-surmesure.com to:

• Build Strong Local Networks: Develop relationships with local buyers, sellers, and other professionals e.g., notaries, renovators, movers, as mentioned on their homepage.
• Deepen Market Knowledge: Understand micro-market trends, property values, and demand patterns unique to these specific areas.
• Provide Personalized Service: Agents working within a smaller, defined territory can offer more tailored advice and attention to individual client needs.

For clients located within this specific geographic scope, Immobilier-surmesure.com’s localized expertise could be a significant advantage.

However, for those outside this region, the agency’s services are not applicable, reinforcing the need for broader alternatives or agencies with a wider service area.

Immobilier-surmesure.com Customer Reviews and Reputation

Immobilier-surmesure.com prominently displays its customer satisfaction through a high rating and numerous testimonials on its homepage.

High Customer Satisfaction Rating

Featured Testimonials

The homepage features several direct customer testimonials, complete with names, dates, and the type of transaction e.g., “Achat appartement,” “Vente appartement T3,” “Mise en location T2”. These testimonials provide specific examples of positive interactions:

• Frédéric F. Octobre 2022 – Achat appartement: Praises responsiveness, efficiency, integrity, and fair fees.
• Ana V. Août 2022 – Vente appartement T3: Highlights good presentation, quick reactions to difficulties, and assistance until sale completion.
• Elizabeth P. Décembre 2022 – Vente d’un T3: Commends active listening, problem-solving, pleasant welcome, and recommends the agency.
• Sylvie H. Novembre 2022 – Vente Paris: Notes professionalism, efficiency, availability, responsiveness, and good advice.
• Nadine B. Octobre 2022 – Vente 2 pièces: Describes the team as competent, dynamic, sympathetic, attentive, and highlights “honoraires imbattables” unbeatable fees.
• Marie F. Décembre 2022 – Mise en location T2: Appreciates professionalism, listening skills, attention, efficient processing, and regular follow-up.

These specific examples add credibility to the overall rating by showcasing diverse positive experiences across various service offerings buying, selling, renting.

“Immobilier sur Mesure en Chiffres”

Beyond qualitative reviews, the website also presents quantitative data points to bolster its reputation:

• “ans d’expérience” years of experience: This is implied as close to 10 years based on other text, showing established presence.
• “transactions réalisées” transactions completed: This number would provide concrete evidence of their activity and success rate, although the specific figure is not visible in the provided text snippet.
• “des biens vendus” properties sold: Again, a specific number would be impactful, and while not visible, it indicates a focus on sales volume.
• “clients satisfaits par nos services” clients satisfied by our services: This reiterates the positive feedback loop.

Reputation Assessment

Based on the presented information, Immobilier-surmesure.com appears to have a strong positive reputation among its clients in the specified regions.

The high review rating and detailed testimonials are compelling evidence of customer satisfaction with their service quality, responsiveness, and perceived value for money especially regarding fees.

However, it’s important to note that these reviews reflect customer satisfaction with the operational aspects of the service.

They do not address the underlying ethical considerations from an Islamic finance perspective, such as the involvement of interest in general real estate transactions or the nature of insurance products mentioned.

For a Muslim consumer, while service quality is important, adherence to ethical principles remains paramount, and this aspect is not covered by conventional customer reviews.

Therefore, while their customer service reputation seems solid, the broader ethical suitability requires an independent assessment.

FAQ

What is Immobilier-surmesure.com?

Immobilier-surmesure.com is a real estate agency based in Vincennes, France, specializing in property sales, purchases, rentals, and property management within the East Parisian region, including parts of Paris and several surrounding towns.

What are the main services offered by Immobilier-surmesure.com?

The main services offered include free property estimations, assistance with selling properties with fixed fees, finding properties for purchase, facilitating property rentals, and comprehensive property management services.

Where is Immobilier-surmesure.com located?

Immobilier-surmesure.com’s main office is located at 135 rue de Fontenay – 94300 Vincennes, France.

They also have presences or serve Montreuil, Paris 11, Paris 20, and other towns in the East Parisian region.

What are Immobilier-surmesure.com’s operating hours?

The agency in Vincennes welcomes clients from Monday to Saturday, from 10h to 19h.

Does Immobilier-surmesure.com offer free property estimation?

Yes, Immobilier-surmesure.com offers a free, no-commitment property estimation service where their agents visit your home to provide a valuation.

What are Immobilier-surmesure.com’s fees for selling a property?

Immobilier-surmesure.com advertises fixed commission fees starting from 4500€ for selling a property, positioning themselves as a more cost-effective alternative to traditional percentage-based commissions.

How does Immobilier-surmesure.com compare to traditional real estate agencies in terms of fees?

Immobilier-surmesure.com claims to offer significantly lower fees than traditional agencies, which often charge 5% or more of the sale price, by offering a fixed commission starting from 4500€.

Is Immobilier-surmesure.com suitable for Sharia-compliant real estate transactions?

No, the website does not explicitly offer or mention Sharia-compliant financing or transaction models, and it operates within the conventional real estate market, which typically involves interest-based loans.

This makes it unsuitable for those strictly adhering to Islamic finance principles without external ethical financing.

What are the ethical concerns with Immobilier-surmesure.com from an Islamic perspective?

The primary ethical concern is the implicit engagement with conventional, interest-based financing Riba and potentially conventional insurance products, both of which are prohibited in Islam.

The agency does not provide alternatives or guidance for Sharia-compliant transactions.

Does Immobilier-surmesure.com handle property management?

Yes, Immobilier-surmesure.com offers comprehensive property management services, including tenant selection, lease drafting, and a “Garantie loyer impayé” unpaid rent guarantee.

Does Immobilier-surmesure.com have a good customer reputation?

Yes, the website displays a high customer satisfaction rating of 4.8/5 based on 419 client reviews, indicating a generally positive reputation for their services.

Are there any alternatives to Immobilier-surmesure.com that offer Sharia-compliant financing?

Yes, alternatives like Guidance Residential, Lariba Bank, and Islamic Finance House specialize in providing Sharia-compliant home financing that avoids interest.

Can I use Immobilier-surmesure.com if I want to buy a property with Sharia-compliant financing?

While Immobilier-surmesure.com can assist with finding a property, you would need to secure Sharia-compliant financing independently through an Islamic financial institution, as the agency itself does not facilitate such options.

What information is missing from Immobilier-surmesure.com’s homepage regarding transparency?

The full “BARÈME D’HONORAIRES” detailed fee schedule and a comprehensive privacy policy are not immediately and clearly linked on the homepage, requiring deeper navigation or direct inquiry.

Does Immobilier-surmesure.com offer exclusive mandates for selling properties?

The website states they offer “accompagnement sans mandat unique,” implying that sellers are not bound by an exclusive mandate and have the flexibility to explore other options.

How long has Immobilier-surmesure.com been in business?

The agency states it has “près de 10 ans d’expertise” nearly 10 years of expertise in the real estate sector of Vincennes and the East Parisian region, having been founded in 2014.

What specific areas does Immobilier-surmesure.com serve in Paris?

Immobilier-surmesure.com serves specific Parisian arrondissements, including Paris 10e, Paris 11e, Paris 12e, and Paris 20e.

What are the advantages of using Immobilier-surmesure.com for sellers?

Sellers can benefit from their fixed, lower commission fees, personalized agent support, a blend of traditional and digital marketing tools, and the flexibility of not being tied to an exclusive mandate.

Does Immobilier-surmesure.com use digital tools for property marketing?

Yes, Immobilier-surmesure.com emphasizes leveraging “outils digitaux existants” existing digital tools to boost visibility and accelerate the sales process.

What is the purpose of the “Garantie loyer impayé” mentioned by Immobilier-surmesure.com?

The “Garantie loyer impayé” unpaid rent guarantee is a service offered under property management, likely a form of insurance, designed to protect landlords against financial losses from tenants failing to pay rent.