You have your own accommodation and the credit for your main residence is repaid, but you can no longer manage to make ends meet because you are in debt? Or do you combine a mortgage with several consumer loans and your financial guarantees are weak?
Buying homeowners’ credit may well be the solution you need to refinance your loans.
We consolidate all your loans into one, with a single, lighter monthly payment and you get a new loan better suited to your personal situation.You are in possession of a valuable asset, which makes it easier for you to obtain a loan repurchase because in the event of difficulty of payment, you have your accommodation as collateral. In addition, we can consider the purchase of consumer loans or the purchase of mortgage loans.
The first solution concerns the owners of their main residence who have already paid off their mortgage but who have several consumer loans. In this case, the restructuring will reduce the monthly payments.
The second solution concerns people in the process of home ownership, that is to say who have not finished paying off their mortgage. If the monthly installments are too heavy to bear, you can perfectly subscribe to a credit consolidation which will be defined according to the remaining capital due from the mortgage compared to the total amount of the repayment.
If this share is greater than 60%, then it will be necessary to resort to mortgage consolidation. Otherwise, it will be a grouping of consumer credit.
Benefits of Homeowner Loan Redemption
The repurchase of credit for the owners really aims at increasing your borrowing capacity and this operation is not only intended for people in situation of over-indebtedness. The restructuring of your budget will allow you to replace the already existing credits in a single loan.
With the repurchase of loan intended for the owners of their real property, the fall of the monthly payments of the repayment of credits can go from 30 to 60%. You thus find a debt ratio compatible with your income.
In addition, you benefit from new cash flow to finance projects that you have not yet been able to realize. This may include, among other things, the carrying out of additional work to bring added value to the property. With this new financing capacity, you can save to overcome a drop in wages or simply to help your family who is going through a difficult situation.
On the other hand, if you have too many debts and you want to settle them, the repurchase of owner loan will make your daily life easier. Your budget is rebalanced and it becomes more easily controllable. So you know better where you are in your reimbursements. The credit pool specifically designed for homeowners brings together all your outstanding loans, regardless of their rate or duration.
Submit your credit redemption request and you will quickly receive a response in principle. The procedure is non-binding and free, we study your file to guide you in your efforts. Request your credit redemption by clicking here