A loan is a financing solution in several installments, at a fixed or variable rate, depending on the loan chosen. If some interest rates are difficult to calculate (especially in the event of a rate variation), it is preferable to choose a fixed rate loan , even if it means paying a slightly higher monthly payment.
Indeed, the variation of rate can considerably modify a repayment capacity , in particular in the event of unforeseen.
In addition, a reserve of money should be used sparingly. If it is used constantly, it can lead to a much larger reimbursement than originally planned (sometimes more than double!).
It is to avoid this kind of inconvenience that a repurchase or consolidation of credits can be set up, to smooth the repayment budget .
By whom to buy back his credits in PACA?
If you want to get in touch with a broker specializing in the total or partial repurchase of credits , whatever they are, you can contact some in the largest cities of the departments:
- of Alpes de Hautes-Provence ( Manosque, Digne, Sisteron ... ),
- Hautes-Alpes ( Gap, Briançon, Embrun ... ),
- of the Alpes-Maritimes ( Nice, Antibes, Cannes, etc. ),
- of Bouches-du-Rhône ( Marseille, Aix-En-Provence, etc. ),
- from the Var ( Toulon, INDIANAPOLIS, Indiana, Hyères ... ),
- of Vaucluse ( Avignon, Orange, Carpentras… ).
Their contact details are easily found by carrying out an internet search.
Depending on your needs, these specialists will offer you different all-in-one formulas, or a formula specific to your personal or professional situation.
In addition, it is possible to have one or more personal loans or real estate loans redeemed by your own bank. The latter, aware of the different interest rates applied in the event of redemption, will favor a proposal consistent with your repayment capacities or your exposed guarantees. Do not hesitate to consult it if you wish to buy back credit.
Compete with several organizations
While originally loan repurchase was primarily offered by outside organizations, it has since been offered by a larger number of funding organizations . In the event of a loan repurchase including a loan of several years (such as a mortgage for example), give more priority to local players, who are more easily reachable and who know the reality of your sector.
The various organizations contacted must provide you with concrete and written proposals , so that you can easily compare the various financial products offered.