The fall of the incomes, repurchase credit tenant What to make to anticipate the fall of the incomes ?
Wisdom recommends to constitute some economies to overcome the tests of the life, like that to find itself with unemployment. Nobody is safe from fall sick or to lose one day his employment.
The economies which you could constitute or the accumulated saving can enable you to maintain your standard of living until you find an employment, independently of the various allowances and assistances to which you will be able to have right.
But to preserve this saving, you have interest, at the time of the subscription of a loan, to subscribe an insurance unemployment or job loss, even if it is only optional. It guarantees the refunding of the loan to you.
The insurer will pour the monthly payments of refunding in your place. You will thus avoid finding you in a dangerous financial standing.
The contract of insurance can envisage a time between the supervening of unemployment and the assumption of responsibility of the monthly payments (ex: waiting period 3 months).
This assumption of responsibility can simply partial and be limited besides in time (ex: 45% of the monthly payment). Do not cheat especially by filling the questionnaire with health because, in the event of misrepresentation, the insurance will not play.
You (or your close relations) could be obliged (S) to refund the totality of the loan. If you lose your employment, it is with you to require of the insurer to take over in the payment of the monthly payments.
The insurance has a cost: You will have to discharge premiums (included in your monthly payments) throughout all credit.
You profit near your bank from an opening of credit or revolving credit (matched or not credit card). You lay out thus in a split way with the dates of your choice of the amount of the authorized credit. You received a preliminary offer for the initial contract.
The term of this contract being of 1 renewable year, the bank indicates three months to you before the expiry the conditions of renewal of the contract.
If you refuse these new conditions, use the form-answer been enclosing in the information communicated by the bank while returning it in recommended with marked reception at least 20 days before the date where the modifications become effective. If you lost it, you can use this model of letter.
This model cannot be used pursuant to the article L 311-9 Code consumption that in the event of refusal of the modifications suggested by the bank at the time of the renewal of the contract of credit and must be addressed at the latest 20 days before the date planned for the renewal
If you have a problem for the refunding of your credit do not hesitate to speak about it with your banker to find a solution together….try to ask terms of payment.
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.
If you have just lost your employment (dismissal, resignation, end of CDD or mission of interim), your former employer must provide you the following documents:
- Attestation of employment,
- Balance of any account,
- Certificate employer for Assedic,
- Individual Form of access to the formation (BIAF) which enters the acquired rights (by the employee in CDD) to the individual vacation of formation.
As fast as possible to contact Assedic close relations of your residence to proceed to your inscription as an applicant for work (Internet site of Assedic) By telephone: 0811 01 01 follow-up of the number of your department.
Example: if you live Paris call the 0.811 01 01 75). Assedic will calculate your rights to the allowances unemployment. You for a certain time do not have employment You do not perceive any more allowances unemployment, you can perhaps profit from the RMI.
Contact the social services of the Town hall of your residence or the Council General with an identity paper, a certificate of non-payment by Assedic, and a justification of residence.
The decision to grant the RMI to you will depend on the Prefecture. Which are the conditions to profit from it? To be old of more than 25 years (or less with dependent children)
To have incomes lower than the RMI Not to be student To reside in France: if you have been of foreign nationality, to have a title of long stay or to be in regular situation for 3 years.
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