Which solution to adopt?

people there think that the repurchase of credit is a solution for the involved in debt people and that it only contributes to involve in debt them still more, but they are wrong. The repurchase of credit is adapted to everyone! Me for example, I had there resort because of a problem to my work and which made that I end up resigning to work thereafter on my own account. The repurchase of credit, thanks to the treasury that it succeeded in freeing, enabled me to finance the installation of my project and now I have my own cabinet of consultance. Most important in all the procedure it is to know to unearth the best offers. To arrive there, nothing better than to call upon a broker. They know each other there better as regards rate and will have more facilitated to negotiate with the organizations. The brokers first of all make a free study of your file to determine if the repurchase of credit can be advantageous for you or not. And if it is the case, it puts to you in contact with the organization that it thinks of being best for you and forwards to you their buyout offer of credit so that you can reflect on it within time for consideration from 11 to 14 days according to the cases. After time for consideration, do not forget especially to forward the offer duly signed as a sign of your acceptance if not the organization will take that for an abandonment of procedure. The broker will undertake to forward to them your complete file with your agreement of course. This file is generally composed by your identity papers, a document in proof of residence, the statements of your incomes and loads, and the bank statements original. This information will remain confidential and in safety not to harm to you, which is far from being the goal of the organizations of credit. The contract of repurchase of concluded credit, the organization is given the responsability to pay your creditors and will n the other hand receive the refunding of your share. The new loan made up is in fact a new financing which is granted to you and which includes/understands all the expenses that the repurchase must imply, namely: the interests, the agio, the expenses of repurchase,… the insurance is also included in this financing, that avoids you paying a premium in addition to the single monthly payment. It is there still one of the advantages of the repurchase of credit. The first monthly payment of refunding will thus be taken on your account starting from the creation of this new loan, only one monthly payment. There is no utility to create a new bank account, the taking away can be carried out on your current account. It is possible to gain a reduction of more than 50% on the monthly payments and it is there one of the origins of the treasury which is granted to you. Because in addition to the single and reduced monthly payment, you to profit from a treasury, that about which I spoke higher and who ensured me a new situation without financial problems. The repurchase of credit does not make any distinction of the type of credit which you want to gather, it can include all your appropriations in only one. Unless you want to gather only one part and to pay the others separately, but there is less advantage than to gather them all together if you to intend to gain more on the difference in monthly payment. One of the conditions which influence over the duration of the credit is the contribution of mortgage. In general, it is easier to negotiate up to one 35 years maximum duration when you to decide to guarantee your credit by a mortgage. Moreover, that enables you to profit from a more advantageous rate, that is to say rising of monthly payment largely reduced. The appropriations consumption profit generally only from one deadline latest for 12 years owing to the fact that they are often easier to refund and of an amount lower than the realer appropriations consumption. So by misfortune your file of repurchase of credit is refused, the organization requires of you to pay only the postal expenses. It is the same if you decide to give up the procedure in the course of road. Lastly, it is important to know the gold rules of the repurchase of credit: observe the conditions of refunding and provide to the organizations where to contract you reliable information.

Publié le 30 novembre -1