Concept of repurchase of appropriations. The repurchase of appropriations is simply a new intended loan has refunding in priority the preceding loans and debts in all kinds, specified in the act of loan.
In the case of Owners, it should be noted that certain partners praetors agree to intervene in spite of the presence of a pointing for banking prohibition or for FICP, which is exceptional is.
Traditionally the conditions of intervention are:
- In fixed rate or fluctuating rate (wrapped or not wrapped)
- Over one duration maximum 30 years
- With a rate of debt after intervention which can go up to 43% of your regular incomes.
- A ration mortage holder who can go up to 90% of the value of your good attested is by Agence Real estate, Notaire or real Expert
What the remaining capital due? The capital remaining due represents the share of the borrowed capital which remains to be refunded after each annual instalment.
Our contracts of insurance adapt to this decreasing year capital by year. It is for what you profit by our intermediary from advantageous tariffs.
What does it do without T in the event of repayment before due date the loan? Our contracts are copied on your amortization table.
So in the event of repayment before due date, the insurance is also brought up to date according to the differential of remaining capital due.
In the event of total refunding, the premiums stop being taken at the day when you provide us the certificate of end of loan.
what the single premium? The single premium is a mode of payment making it possible to balance your contributions of insurance in only one faith.
This balance is done at the effective date of the guarantees and makes it possible to be given a more advantageous cost compared to the traditional payments in contribution (monthly, annual…).
The guarantees remain unchanged, alone, the mode of paiment differs.
List of the parts required for the repurchase of debt or a request loan In order to facilitate the steps and to shorten the deadlines, you can right now take note of the supporting documents necessary to the constitution of your file of repurchase of debt.
Identity of the people Copy identity papers (recto and back) Family record book (children included/understood) Marriage contract (if exists) Document in proof of residence:
invoice France Telecom or of portable + EDF In the event of divorce, judgement of final divorce with liquidation of community
Your Incomes the last 3 payrolls Payroll of last December Contract of employment or certificate of the employer confirming the TDCI and the seniority (so less than 2 years of seniority or so not indicated on the payroll)
the last 2 opinions of imposition Document in proof of the obligatory CIF if you perceive services For the nonpaid ones (liberal professions, managers, craftsmen, tradesmen) the last 3 opinions of imposition 3 tax last 2035 or bundles For the pensioners:
Last bulletin of pension For the preretraities: the last 3 bulletins of allowance ASSEDIC If you perceive land incomes:
The land income tax return 2044 Leasing agreement of each rented good 3 last corresponding receipts Tax land with each rented good If you are on parental leave:
Certificate of the employer confirming the date of recovery as well as a certificate on the honor of your share confirming the recovery at the date envisaged Your bank accounts the last 3 statements for the whole of your bank accounts, including the CODEVI, accounts savings, or professionals
If you have rejections on your loans or taxes thank you to provide us the last 6 statements. Bank account number, Your loans Initial offers with the general and particular conditions of the real loans, atrate 0%, and ready redeemable personnel amortization tables of the real, personal loans last statements for the accounts revolving and charts Your real inheritance
Complete document of title Tax land recent photographs of the good given in guarantee Multirisk certificate of insurance dwelling if you have a certificate of value of your good thank you to join it to the file.
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