A formerly unknown method of financing, the repurchase of credits is, today, regularly offered to consumers with several credits .
The first loan repurchases could only concern so-called “personal” loans ( money reserve, personal loan, financing in several installments, etc. ). Nowadays, it is possible to collect all your credits (including home loans) to allow for substantial savings .
Several methods of repurchasing credits are possible, such as for example a repurchase by an organization of the region, or by an organization online.
Redeem your loans in Languedoc-Roussillon
Depending on the repurchase needs, you will have to turn to a loan repurchase professional , who has, most of the time, a reception office in several departments of the Languedoc-Roussillon region ( Aude, Gard, Pyrénées- Orientales, Lozère, Hérault ).
It is possible to find the direct contact details of a retailer in most of the region's large cities ( Montpellier, Nîmes, Carcassonne, Perpignan, Mende, etc.) by searching on the internet. These direct contacts are to be preferred in the event of a major loan repurchase or including a mortgage.
On the other hand, online credit redemption companies, even if they offer any type of redemption, are preferable for small sums to be redeemed, such as for example a consumer credit balance whose interest rate is less advantageous than that offered by its competitors.
However, beware of the "snowball" effect of repetitive loans, including in the event of redemption. A repurchase of credit remains a new credit subscribed, it must therefore be anticipated as such. Thus, it is not recommended to take out loans to buy back other loans, which themselves were made to repay a first loan.
The buy-back must be limited in time, and preferably at a fixed rate, to keep a stable and viable budget .
Credit redemption simulations
Several internet sites allow you to make, in a few clicks, one or more loan redemption simulations .
You can then get in direct contact with a broker in the region specializing in this type of financial transaction.
External organizations ( cetelem , cofidis, etc.), on the other hand, only contact each other by internet or by telephone. Do not hesitate to contact several loan repurchase professionals (local and national), and compare their different proposals .