For a reduced debt

It reduces at the same time the rate of debt and the amount of the taking away. The organizations of repurchase of appropriations, takes care that these taking away are according to your capacities. What it is necessary to do initially to contract a repurchase of credit, it is to inform you near these organizations so that they study your file and inform you on the advantages. Then, they direct you towards a specialized broker who undertakes to find the best offers of the market for you, or at least the offers which would be appropriate to you more. It is to some extent charged to negotiate the offers so that they correspond to your capacities. When it finds of them one which is appropriate to you, it will forward to you the buyout offer of credit that you must then read attentively so that the situation between you and the organization is clear and that none is armature in error. You profit for this purpose from time for consideration 11 days if you have realer appropriations consumption, or 15 days if you have appropriations consumption. When you estimate that the conditions are appropriate to you and that you are decided to give your agreement or in certain case your dissension, your acceptance will be testified by the sending to the offer signed at the selected organization. A file is to be supplemented thereafter to make it possible this last to create for you a new loan which will constitute the repurchase of your appropriations. It is imperative to send correct and reliable information, in order not to induce the organization in error. Will the file have to include the identity papers, the pay slip or a statement of the incomes, the statement of the loads, the state of debt, bank statements, the document in proof of residence, etc ? the repurchase is in your interest, then what good is it to send false informations on your subject? If you fear that the organization does not exploit this information at bad end, will know that information can be to them sent by your broker only with your agreement. With all the work which it makes for you, the broker is remunerated by your expenses. On the other hand, if you decide not to make following the offer, you run out just the time limit and they will include/understand. Therefore, any absence of demonstration of your share after time for consideration is comparable with an abandonment. And if such is the case, the only expenses which will fall to you are the postal expenses. With the conclusion of the offer, a new loan will have been made up to you. From this new financing, the organization lender will undertake to pay all your creditors and you refund near this one a total including/understanding: the amount of the which had remaining capital, expenses of repurchase, the premium of insurance and interests. It is possible to gather in the repurchase of credit all your appropriations or the real estate and consumption separately. Each month, you will pay a reduced monthly payment, generally between 30 and 65%. The duration is all the more lengthened and structured better in time. If you had realer appropriations consumption, the maximum duration is 35 years. If you only had consumer credits, this duration is 12 years. Obtaining maximum duration in the first situation of appropriations is especially facilitated by the reorganization of your mortgage securities. Moreover, with a guarantee by mortgage the longer duration, minimizes the monthly payments and makes profit from a more advantageous rate. No change of bank account is necessary, the taking away can be done on the same account. A treasury starting from 10000 Euros can be freed, if you wish to profit from it. Majority of people the request to finance new projects. For better making safe the borrower, the organizations of repurchase of credit imposed an age limit. With the conclusion of the credit, the borrower will have to be 75 years old to the maximum and at the limit it will have to be 80 years old to the maximum. Thus last this age of twice, perhaps would it be necessary thinks there to resort to another solution that the repurchase of credit? If not for the remainder it there no problem. I made a point of speaking about the repurchase of credit to have his advantages like his disadvantages to you, but to me it brought only advantages from which I profit until now and who largely facilitated me the life. If I had a rate of debt of 63% before, the repurchase of credit reduced it by 30% then to zero at the time when I speak about it. Then nothing better for a reduced debt!

Publié le 1 janvier 1970