Some projects may sometimes require funding in several installments . Purchases in several installments (with or without fees) are part of the more classic loans, such as cash reserves or mortgage loans . The way a payment in installments works is similar to a credit, it is simply faster than the other formulas.
When the accumulation of different types of credits impacts the monthly budget, it is more prudent to consider a consolidation or a repurchase of credits. Several brokers , present in all the departments of Poitou-Charentes ( Deux-Sèvres, Vienne, Charente and Charente-Maritime ), can receive customers encountering temporary difficulties in repaying their monthly payments, and offer them alternative solutions .
Why and when to redeem your credits?
It is generally not recommended to take advantage of a credit redemption when the latter has been taken out recently. Indeed, it is better to be in the middle or at the end of the repayment commitment to study the repurchase offers.
Interest rates can thus be revised downwards, which has a direct influence on the monthly payment due. Otherwise, the accumulation of credits, and therefore of monthly payments to be repaid, can sometimes lead to a default in repayment , with serious economic consequences.
Even if a loan is reimbursed after a payment incident , this incident remains recorded in the payment incidents file for 5 years, a file which is systematically consulted in the event of a subsequent financing request.
A credit buyback can include all or part of the current credits (more clearly, you can choose to buy back all of your credits , as you can decide to buy only some).
While so-called consumer loans ( cash reserve, financing card in several installments, revolving credit , etc. ) generally keep a very high interest rate, certain other loans ( personal loan at fixed rate, mortgage, mortgage 0 rate… ) do not necessarily need to be redeemed.
Get additional information in your region
If the consumer chooses to obtain additional information on the repurchase of credit by a professional in his region, several contact details are available on the net. In a search bar, type "XXXX credit redemption" , XXXX being your city. For example, to search for La Rochelle (or Angoulême , or Niort , or Poitiers ), type "Repurchase de crédit La Rochelle" (or any other city in Poitou-Charentes) to obtain the contact details of brokers in the region.