The simulator of credit enables you to obtain immediately a financial proposal as an indication.
The nominal rate: It is the annual interest rate of the credit except insurances and expenses of file
Insurances: three guarantees are generally proposed with the borrower:
• Death/disability
• Disability
• Unemployment | to read the conditions
The rate global manpower (TEG): is the rate including the cost of the insurances and that of the other expenses. It can be expressed monthly.
Total costs of the credit: it represents the cost of the interests, the insurance and the expenses and accessories. It is the difference between the borrowed amount and the refunded entire amount.
Amortization table or bill book: there specifies, for each monthly payment, the distribution between capital, interests, insurance and expenses as well as the capital remaining due.
The time of retractation: the borrower has a 7 days deadline as from the acceptance of the offer to reconsider his engagement. A detachable form of retractation is reproduced on the offer of credit. The funds are resolved only at the conclusion of the time of retractation.
• How to choose its credit ?
• Compare the rates
but also the monthly payment and total costs of the credit (insurances and expenses included). For this study fix beforehand an amount and a duration
• Compare the conditions of granting
opening of account, domiciliation of wages, document in proof of use…
Study well the promotional offers, they are often matched restrictive conditions:
- the amount and the duration of the loan are often imposed
- a personal capital contribution is sometimes required
- the offer is only reserved for the purchase of certain goods.
• Be attentive with the balance of your budget
Made attention with the balance of your budget: your fixed charges (rents, taxes, refundings of appropriations…) do not have to exceed 30 to 40% of your monthly incomes. The accumulation of appropriations can lead to an excessive debt.
• Vis-a-vis the over-indebtedness
You have more and more difficulties in refund your debts, your loans, to pay your rents…
For all, it is necessary well to measure the nature and the importance of your debt: a momentary lack of treasury is not synonymous with over-indebtedness.
According to the case, the problem can be solved by personal measurements (to remove a certain number of loads considered as useless, to renegotiate its appropriations…)
Communicate with your creditors as soon as you feel more to be able to refund your expiries
Explain to them why you cannot carry out your payments and propose to them to carry out payments reduced over more a long period of time. You will be perhaps surprised number of creditors who accept such proposals.
• Services of consultation for the defense of the consumers
There exist services of consultation as regards credit. It may be that they are different from one city to another. Communicate with a family office of consultation or an association in this field in order to learn how to make treat with the financial institutions.
If you have evil to draw up a budget and with you to compel there, services of consultation can come you to assistance or consult the commission of over-indebtedness.
• Real estate credit on Internet | To reduce your debt
The computers make it possible to calculate the parameters of your real estate credit. This type of credit has as an aim the financing of a real estate transaction: purchase of a ground, purchase of a building, purchase of shares of real estate companies, building work of an higher amount with 30 000€
These calculations are carried out except insurance and expenses of file and expenses of notary. The simulator of calculation restores results calculated on the database noncontractual, to add 15% on the amount announced to estimate your monthly payment
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les internautes des acteurs de la Banque, du Rachat credit et du Crédit
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