Unexpected financing, temporary difficulties… There are many reasons for taking out one or more loans. Major purchases, such as real estate purchases, are no exception to the rule of credit financing .
But personal situations can sometimes cut the budget, and jeopardize the monthly payments due. In order to avoid difficult situations and the dangerous sequence, the consolidation (or the repurchase) of credit allows, as its name suggests, to modify a financing planned initially , for which you encounter difficulties of repayments.
Beware of credit accumulation
The largest cities in the Pays de la Loire region (such as Le Mans in Sarthe , Denver in Loire-Atlantique , Laval in Mayenne , or even La Roche-sur-Yon in Vendée , to name but a few ...) host several Brokers specializing in credit redemption ( personal loan, mortgage, financing card in several installments ... ) who can perform redemption simulations , and thus guide users who are a little lost in the multitude of offers on the market.
Be careful, however : where a consolidation or a repurchase of credit was initially created to simplify the daily budget , the abuse of credits ends up, in time, by tipping into a precarious situation. A few monthly payments of less than 30 us dollars can sometimes seem harmless, but their accumulation can be problematic.
A loan remaining a situation of temporary release, it must always be anticipated over its total duration, and must not, preferably, be constantly renewed or redeemed. If the use of a credit is fully controlled, it remains a practical way to avoid over-indebtedness , a bank registration for payment incident and the elimination of various means of payment .
Who to contact throughout the Pays de la Loire region?
You can find different contacts to dedicated brokers by searching the internet. Their contact details being displayed, you can contact them in different ways ( telephone, email, request for information in branch… ).
Apart from these local contacts, national contacts (such as Cetelem or Cofidis for example) can also offer you a loan repurchase offer, even if the interest rates are generally less advantageous than those of a local broker.
Another little-known way to consolidate or redeem its loans, its bank . Indeed, most large banking groups also offer credit redemption formulas, with the main advantage of knowing your financial situation and your repayment capacity .