You have several personal credits and revolving credits, quick credits and easy to obtain. You want to make an easy credit redemption from a credit agency with the best rate for a credit buyback if possible. Do not wait, a credit redemption or credit consolidation can allow you to balance your budget again.
For an online credit redemption: how to do it?
As for an online credit, you will mention all of your credits: you must indicate the remaining capital to be paid to settle each personal loan, each consumer credit, each credit and work credit. You also indicate your perennial income and your expenses of rent or mortgage. We then study your request for credit redemption. We offer credit at the best rate. We will then indicate the list of supporting documents to provide.
It’s up to you! And yes, a pool of credits is never a credit without proof.
When can we talk about an easy credit redemption?
This is an easy credit when you have less than three bank accounts, regular income and you are up to date in all bills and you have no chargeback on your accounts. Discovery? It does not matter, we summarize. We even finance a little cash for your new projects.
The purchase of personal loan at the best rate
This is a quick credit when you provide all of the requested documents at one time. The documents are legible and complete. We are competent, fast but demanding anyway. A consumer loan buyback can be set up in less than three weeks, between the day of your credit redemption request and the day of financing.
The repurchase of immo and cons loan
If the outstanding capital of the mortgage to be taken back is greater than 60% of the total credits to be taken over, it is a repurchase of mortgage. A mortgage on your house will be requested. Deadlines will be longer (between 6 and 8 weeks) but interest rates will be lower.
If you are up to date everywhere and you have a little too much credit in progress, we offer the best, the cheapest and we put everything in place for you to get an easy credit buy.
The acceptability of applications is slightly different for each lender. Generally, it is lower for banking institutions that screen their applicants very thoroughly. Non-banking providers are then (in some cases) relatively benevolent and will lend money to a less creditworthy applicant or a candidate with a record in the debtors register. Although in the future, together with the change in legislation in the the country, it is expected that “non-banknotes” will have to examine applicants more thoroughly and the overall approvability will go down.
Currently, there is the highest chance of approval of applications in aggregators of non-banking companies. How does it work and what are the options?
Non-bank loans for everyone?
It should be noted at the outset that even non-banking companies do not lend money to everyone. If you have difficulty paying off another debt, low financial income, or if you have nothing to guarantee, you probably won’t get the money. Definitely not with a proven company. The only advice in a similar situation is not to borrow at all! Your financial difficulties would only increase with each additional loan. Try to turn to debt counseling.
Where will they lend me with the utmost certainty?
Loan aggregators work quite simply, for applicants they mean mainly the highest chance of obtaining a loan (on average 9 out of 10 applicants succeed), but also the possibility to compare offers from more providers at once. The first step is to fill in a non-binding online inquiry, it is a brief form in which the candidate fills in contact information, information about employment, source of income, etc. The demand is then automatically sent to the involved partners. These are exclusively large, 100% proven companies. There are no natural persons and flood loans in the system!
The bidder is then contacted with an offer from those companies willing to lend. Since everything goes online (and then by phone), the process is very fast. Usually, no more than 15 minutes have elapsed from filling in the application to accepting the first offers. The conclusion of the loan agreement is then under the control of the provider.
Advantages of loan aggregators
- Demand is non-binding and of course free
- Save time – everything can be done in 5 minutes via the web
- Ability to compare offers from multiple companies at once
- You don’t have to go anywhere or even call yourself
- Choose with whom you take the loan (not)
Yes, a loan can be extended automatically, but only under certain conditions. Background: If the debit interest rate commitment on your real estate loan expires, the bank must inform you in writing three months before this expiry whether it would like to extend the loan agreement with you or not. If she is ready to do so, she will usually submit an offer to you directly and set a deadline within which she will keep this offer. You can then decide whether to accept or reject it. Accept it, roll over. If you reject it, you will need follow-up financing from another bank.
But what happens if the customer does not conclude follow-up financing at all?
If you as a customer do not react to the bank’s offer and do not otherwise take care of follow-up financing, the old loan from your old bank will automatically be continued as a variable loan. This is common practice, but can be expensive for the customer: variable loans have a significantly higher interest rate than annuity loans with fixed interest rates. Banks base their interest rates on variable loans on the reference rate and add about 1-2 percentage points per year as a margin.
If mortgage lending simply continues as a variable loan, the rate can change every three months due to a rising or falling interest rate. If you had a much higher interest rate in previous years, the currently favorable interest rate of the variable loan, which has been adjusted to the current market level, has a positive effect at first: your rate will drop.
Nevertheless, at this moment it is always better to conclude follow-up financing with a fixed rate of interest and not simply to let the building financing continue because you generally drive it even cheaper. From a purely financial point of view, it is in the customer’s best interest to replace the variable loan as soon as possible with a cheaper, safer loan with fixed interest rates.
For this, variable loans – as the name suggests – can be completely replaced at any time with a three-month notice period. This replacement does not incur any additional costs. A prepayment penalty is not charged for variable loans.
Can the bank simply consider one of the offers submitted as accepted if it does not receive an answer?
No, she can’t. Recently, there was a case where a bank made a rollover offer to the customer and told him that if the customer did not respond within a certain period of time, they would consider the offer accepted. When the customer did not respond, the bank continued to finance its construction as if it had accepted the offer. This turned out to be unlawful: The bank should not have regarded the silence of the customer as consent.