subject: Some answers on the redemption of credit [print this page] Some answers on the redemption of credit Some answers on the redemption of credit
A lot of people who encounter financial difficulties now impossible for them to repay their monthly installments and pay their expenses, use a credit retrieval to improve their financial situation.
It is therefore essential to know the outline of consolidation loan ...
The purchase of credit is not just for people in serious debt. It also represents a solution for anyone seeking to consolidate its credit and debt into one loan in order to find serenity in the management of its budget.
(A person is in debt when its debt represents more than 35% of revenues. It is overloaded with debt beyond 50%.)
The depreciable bank credit is available to all individuals: landlords, tenants, people housed by the employer, hosted by the family or third, whatever their profession and their family circumstances who wish to reduce the amount of their monthly credit, the number of credit or debt ratios.
Most of the funding, duration and different interest rates, may be included in the purchase of credit: credit real estate (with or without mortgage rate fixed or variable), revolving credit, consumer credit, personal credit, credit work , credit auto / motorcycle. Excluded: borrowers FCC / FICP professional debts, delays URSSAF / VAT, 0% interest loans.
Other amounts, such as debts, may also be integrated into the takeover of credit.
The borrower can choose to use an intermediary in banking operations for its acquisition of credit. This professional has an obligation to provide information and advice to his client that supports throughout the installation folder. It must guarantee the best bid for funds by choosing partners who has the best proposal based on their profile.
The purchase of credit allows the borrower to reduce monthly payments of 30-60%.
It should nevertheless be careful not to enter a new spiral in the cost of many loans. The borrower may, if desired, requested in his application for a credit purchase additional cash to fund a new project ...
A person who has already received a takeover of credit can make a second request. However, the first group of credit should not have been incidents of payment and a minimum of one year must have elapsed between the two applications.
These requests are uncommon and current rates make this transaction unattractive.
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