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Question-credit
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 Definition of the repurchase credit Commonly called repurchase, regrouping or consolidation, the repurchase of credit consists in substituting one or more already existing appropriations in only one and single credit which will have a rate less raised and which will be redeemable over one single duration.
To choose the repurchase of appropriations enables you to lower your monthly payments in a considerable way, to air your budget, to improve your purchasing power, and even to save.
That it is for a loan on real property, a consumer credit or a personal credit, all the types of appropriations can be repurchased.
Which type of repurchase of appropriations? Mortage refinancing: gather all your appropriations in progress (real loan, ready with consumption, credit revolving, etc…) in only one mortgage loan based on the rate and the duration of a traditional real loan.
You can refund to the maximum over one period 30 years. The repurchase credit is a traditional redeemable bank loan (not of pointing), matched or not guarantees, intended to durably rebalance your budget, whose monthly payments are taken on your bank account (not need to change some)
This modern formula allows you: To refund by anticipation all your appropriations and debts in progress To reduce your monthly payments up to 60% for thus finding your freedom to spend
To finance a new project, to envisage a saving This formula simplifies you the management of your accounts in a seume monthly payment and a single interlocutor.
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Refinancing of loans consumption: Gather all your personal loans (credit car, credit work, delays of payment…) in only one loan over one duration maximum 10 years ata very advantageous rate.
Which type of debts: all bank credits with the private individuals, certain professional appropriations, all tax liabilities, social debts, family debts or towards other thirds (with justification and payment with the creditor), the banking guarantees whose amount is definitively stopped
Which is concerned with the repurchase of credit? The employees, the pensioners like all the social and economic categories (craftsmen, tradesmen, liberal professions) can reach the repurchase of appropriations.
You are tenant: You can gather all your loans with consumption and your personal loans in only one credit.
You are owner: You can gather all your loans with personal consumption and your loans, by preserving your real and unquestionable loans other loans (loan rate zero, ready with 1%, appropriations car, etc…) by taking a mortgage security on your real estate thus allowing you to lengthen the duration of refunding and thus to still lower the monthly payments
Advantages of the repurchase of appropriations The reduction of your monthly payments being able to go until - 60% and sometimes more according to the file!
- Gather all your appropriations in only one credit.
- Only one monthly payment adapted to your capacity of refunding!
- Only one taking away by only one interlocutor on a single date!
- Carry out a project which holds you with heart (various work, vehicle, swimming pool, improvement of the habitat, restoration, etc), this new credit which can be built-in in the new loan
- The repurchase of credit enables you to save again
- Find your purchasing power!
- Finished the difficult ends of month and the sleepless nights!
1. Does the repurchase of appropriations involve a pointing? Not. It is about a private bank loan in all points comparable with very other of form of credit.
2. If I am already driven at the Bank of France, there I have access? If it is about an inscription on the Central data base of the Accounts - cheques (or charts blue): NOT. But, at once the regularization carried out and the raised inscription, the request is completely admissible. If it is about an inscription on the FICP (incidental of payment of the appropriations to the private individuals), the request is possible for the owners of a real estate brought in pledge (mortgage) only.
3. In the event of do refusal, I have expenses to pay? To in no case. In this case, all the services carried out by the broker are free, even the exposed expenses (except for the participation in stamps at the expenses of port) remain with its load.
4. I am obliged to change bank? Not. The monthly payment of the loan of reorganization will be taken on the account which you will indicate to this end.
5. Before any decision on both sides, do you contact my employer or my bank for checking? Never without your prior agreement and only in particular cases where that would be essential (the produced original documents and your declarations are enough in the near total to the cases). The examination of the application is perfectly confidential.
6. Is it possible to include in the repurchase of the debts other than of the appropriations? Yes. The operation can also relate to personal debts, family loans, a reward of community, a compensatory service, a balance, a repurchase of currant account of associated SCI, and even of the delays of taxes, social contributions…
7. Can one include treasury? Yes, for all kinds of needs or projects.
8. Am I ensured for the repurchase of appropriations? Yes, all the loans are matched insurances in the event of death, of disability, incapacity and/or job loss at 100% on one or two heads or distributed between the borrower and the Co-borrower, according to the cases.
9. Until which age can one be given a repurchase of appropriations? At the latest, the loan must be balanced to the 90 ème birthday.
10. Which are the possible maximum durations? Subject to the age, the longest durations are 12 years for the loans without guarantee and 35 years for the mortgage loans
11. Differed from damping is they possible? Yes, to take account of situation particular (professional evolution, passage to the retirement, re-entries of capital…)
12. Is it possible to repurchase only part of my appropriations? Yes. Indeed, you can preserve one or more appropriations, such as your real loans and in particular, the employers' loan 1% or that atrate 0, in condition however that the office plurality of the related monthly payments y and that of the loan of reorganization does not exceed the rate of maximum normative debt. For the loans hypotécaires, a second rank is possible only if the balance of the loan on real property in progress is weak compared to the value of the pledge
13. Must I entrust original justifying documents to you? For the preliminary study of your request, photocopies of excellent quality can be enough. On the other hand, for the validation of an agreement, it is obligatorily necessary to produce originals
14. When these documents are restored to me? The original documents are turned over to you as of the end of the operations. The photocopies are never turned over, in the event of refusal, they are destroyed.
15. Which is the completion date? After reception by our partner of a COMPLETE file, the decision intervenes under about eight. Then, to arrive at the provision of the funds, it is necessary to count ten more to fifteen days for a loan without guarantee and three weeks in one month for a mortgage loan.
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 Documents required for a repurchase of appropriations
- Last invoice Telecom
- Tax of dwelling and land tax
- the last 3 payrolls
- Payroll of December
- Contract of employment (if seniority lower than 2 years)
- Documents in proof family allowances, APL
- Pensions
- the last 2 opinions of imposition (2 shutters)
- the last 3 months of all the banking statements of account
- the last 3 months of all the statements of account of saving, CODEVI, PEL, CONCEALMENT, PEP, Life insurance
- 1 bank account number
- Amortization Tables or documents in proof of all the appropriations of less than 2 months.
- Offer (S) of loan (S) initial (S). (owner only)
- Authenticated Estimate of the value of the good. (owner only)
- Photographs interior and external of the good. (owner only)
- Insurance dwelling, (owner only)
- Photocopied Documents if you are tenant or owner: 1 copy of the Indentity card 1 copy of the Family record book 1 copy of the Document of title 1 copy of the Judgement of divorce and liquidation of the community (if it is necessary) High of the Page
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 Traps of the Repurchase of credit To make repurchase its credit involves certain risks which it is necessary to know before launching you.
Pay well attention which the expenses inherent in the repurchase of credit are not more important than the economy than you intend to realize by lowering your rate.
Do not hesitate to contact a broker in regrouping of loans, but do not pay anything as long as you did not obtain a credit.
The brokerage fees being negotiable, this one will be only better if you have in hand several proposals.
Above all, choose as an expert the banks and organizations of which you will make your request for repurchase of credit and do not hesitate to use comparators Internet.
A good broker or intermediary must also have a mission of council: he must be able to propose to you the most suitable assembly for your repurchase of loans.
You do not let misuse by the first proposal come while focusing you on the rate or the monthly payments announced but rather turn your attention on the total cost of the credit.
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Question-credit
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