French Phrase
Oui, on propose des prêts immobiliers compétitifs.
Meaning
The speaker confirms that they (the company or institution) offer mortgage loans that are competitive in terms of interest rates or conditions. The use of “on” gives a friendly, slightly informal tone while still being professional.
When to use
Use this sentence when a client asks whether your bank or real‑estate agency provides mortgage financing, especially when you want to highlight the attractiveness of your rates.
✦Grammar Breakdown
Oui,onproposedesprêtsimmobilierscompétitifs.
Oui
Simple affirmation meaning “yes”. Often used at the start of a sentence to confirm.
on
Impersonal pronoun that can mean “we”, “people”, or “one”. In business contexts it’s a casual way to say “we”.
propose (present)
Verb proposer in the present indicative, third‑person singular. Means “to offer”.
des (partitive article)
Indefinite plural article used before a non‑specific plural noun.
prêts immobiliers
Compound noun: “prêt” (loan) + adjective “immobilier” (real‑estate). Both words agree in gender and number (masc. plural).
compétitifs (adjective agreement)
Adjective placed after the noun, must agree in gender and number with “prêts”.
🗨In Conversation
Est‑ce que votre banque propose des prêts immobiliers ?
Does your bank offer mortgage loans?
Oui, on propose des prêts immobiliers compétitifs.
Yes, we offer competitive mortgage loans.
✕Common Mistakes
Oui, on est des prêts immobiliers compétitifs.
“Est” means “is”; the verb needed is “propose” (offers).
Oui, on propose les prêts immobiliers compétitifs.
Using the definite article “les” implies specific loans already known, while the sentence talks about loans in general.
Oui, on propose des prêts immobiliers compétitif.
The adjective must agree in number with the plural noun “prêts”.
↔Alternatives
Oui, nous offrons des prêts hypothécaires compétitifs.
Yes, we offer competitive mortgage loans.
Oui, nos prêts immobiliers sont très attractifs.
Yes, our mortgage loans are very attractive.
Oui, nous proposons des crédits immobiliers à taux avantageux.
Yes, we propose mortgage credits at advantageous rates.
Cultural Tip
In French business communication, “on” is widely used as a neutral, friendly way to refer to the company, but in very formal written documents you’ll often see “nous”. Also, “prêt immobilier” is the standard term for a mortgage; avoid using “crédit maison” unless you’re speaking very informally.