Repurchase loan on real property You are owner, your monthly payments of credit are too heavy, you wish to reduce your monthly instalments from 20% to 60% ? (Real estate, work, car motor bike, boats, holidays, consumption, revolving).
The repurchase and the regrouping of real loans enable you to join together all your loans on real property and consumption in a single loan with only one monthly payment.
The repurchase of credit enables you to save because the reduction of the monthly payments obtained after the repurchase is very interesting.
It will give you a more important purchasing power thus. Why continue to fatten the banks and great financial organizations which earn money and benefit the maximum of the surendettées people!
Liberal professions immobilieres: to find councils in town planning and architecture with the wage bearing.
Means of payment Various types of chart
The chart of withdrawal
The chart of payment
The credit card
Electronic porte-monnaie Moneo The delivery of a chart by the bank
Conditions of delivery of the bank card
The secret code of the bank card The use of its chart in the distributors of tickets
To use its chart in the distributors of tickets in France DAB
To use its chart in the distributors of tickets abroad DAB The use of its chart in the trade
To use its chart in a tradesman
To use its chart in a remote sale
To use its chart to pay abroad The loss or flight of chart
Opposition on chart for loss or flight
Effects of the opposition on chart The abusive use of its chart
Limits not to exceed in the use of its chart the consequences of an abusive use of its chart
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.
To use its chart to pay abroad The chart must be of international type. According to whether the country uses or not the microchip, one will ask you to sign the small invoice.
Apart from the European Union, the payment by chart will result in an exchange transaction. Incontestably, the chart is the simplest means and most economic to pay its expenditure when one travels abroad.
It is also the means of payment most universally accepted. It is disadvised (in particular because the expenses are much higher) paying by cheque.
Abroad, it is possible to pay its purchases with a chart of the international type in the tradesmen affiliated to the networks Visa or Eurocard MasterCard.
They are, in general, easily identifiable, thanks to a self-adhesive logo fixed on the window of the store or the door. The foreign countries are not quite as advanced as France as regards transaction by chart.
In certain countries, one only starts to use the chip, and consequently one will ask you to type your secret code, as you would do it in a tradesman in France.
But in other countries which are still most numerous, one will still ask you to sign on the invoice, and the tradesman will compare your signature with that deposited with the back of the chart.
You never separate from your chart, if the apparatus with chart is on a counter or a back shop, go ahead. You will avoid as well as an indelicate tradesman misuses your confidence.
When you pay in euros in a European Convention country, the operation is subjected, since July 1, 2002 in the same conditions as if it were carried out in its country of origin (European payment n°2560/2001 of December 19, 2001). Consequently, for us, French, it is free.
On the other hand, if you travel in another country, the payments which you carry out by chart translate on your statement of account by exchange transactions whose cost is integrated in the rate of exchange.
The operation also supports a commission (about 3 with 6€ for a payment of 150€), but overall the cost is quite lower than than would cost a cheque (in so far as it is accepted)
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