The optimization of real-estate financial plans.

Market finance has become a major application field of operations research. On the other hand, rare are the applications impacting the retail banking, turned toward general public. In this paper, a topical problem in the French banking sector is approached : the optimization of real-estate financial plans. The present work was done in the context of the development by the firm Experian-Prologia of a new mortgages processing application for an important French bank. Our optimization module, in the heart of this application, is now deployed in the 2200 branches of this bank and enables to simulate and assembly several thousands of real-estate financial plans every month.