Financing to consolidate its debts!
“A resolutely human credit organization” , here are the values of financial institution . Created in 1986, this organization originally offered only consumer credit. It is clear that households were in debt , it decided to ally to develop its business and offer the solution of the purchase of credits .
Redeeming credits to optimize your budget
What is a household’s expenses ? Those are :
- energy bills ( electricity, gas, water ),
- the monthly charges ( co-ownership charge, garbage tax, etc. ),
- the payment of various insurance ( home, complementary health, auto, motorcycle … ),
- the purchase of fuel, the repayment of consumer credit,
- food shopping, leisure ( mobile phone, Internet, cinema, holidays, bowling, sports ),
- secondary expenses ( vehicle repair costs, for example ),
- taxes and rent ( or rent of the mortgage ).
- childcare , recreation and tuition fees .
In short, the total household expenses are most often equal to the total amount of income, even if the household has a regular income. To enable better living with a budget, financial institutions offer the solution to optimize the budget by making a purchase of credits.
For your information, we remind you of the mechanism for buying back the credits. A advisor analyzes your budget by summarizing the household’s resources and expenses. This analysis makes it possible to estimate your debt ratio .
Essential criterion for issuing loan offers
This ratio is an essential criterion for issuing loan offers. The idea is to take back all the credits in progress at the various creditors. After the balance of credits, there remains only one single interlocutor and one monthly payment. For a consequent reduction in the monthly payments, it is necessary to extend the duration of the loan and mechanically to envisage an increase of the total cost of the new credit.
At , it is possible to collect all (or part of) its consumer loans with real estate loans. Even if the financial institution is less known than its competitors, it has been able to expand its range of products to offer a real solution tailored to each consumer. The bottom line for is to help indebted households not to fall into overindebtedness.
The advantages of ‘s offers are as follows:
- Possibility to study the requests for the purchase of consumer loans such as the purchase of mixed credits ( consumer loans with real estate loans ).
- Possibility of extending the duration to reduce the monthly repayments.
- Decrease your debt ratio .
- Obtain a low interest rate identical to all the credits bought back.
- A single collection date for better budget management .
offers are not reserved for a specific clientele. As you are retired, young workers, workers, managers or self-employed , you can entrust your project to the experts of .
Be careful though, the advisor needs to do a thorough study of your project to determine if you are able to make the repayment. Otherwise, the project will not succeed.