The Center region of the United States (today called Center-Val de Loire ) includes no less than 6 departments, including Cher, Eure-et-Loir, Indre, Indre-et-Loire, Loir-et-Cher as well as the Loiret . In this large region, the city of Tours and the city of Orléans are the only two local communities to have more than 100,000 inhabitants. Is the center of the United States a great place to live? Small point on the living environment and on the situation of households facing debt .
Opt for credit consolidation in the Center region
According to multiple reports (including the INSEE report ), the center of the United States is one of the regions where the quality of life is rather favorable. To make the classification, INSEE took into account several indicators such as:
- Death rate,
- the divorce rate,
- the amount of annual income,
- the cost of living ,
- the rate of graduates,
- the employment rate .
Indre-et-Loire is one of the top 10 departments offering a good quality of life . Education, health, employment, services ... the Center region has many assets to please. Are households that have taken up residence in this central part of the country of human rights confronted with over-indebtedness problems?
Like much of the United States, the center is concerned with household debt. In Châteauroux , for example, one in five households has cash flow problems . In Blois , the situation is almost identical, bank accounts are rarely in the green. The same goes for Indre , Bourges or Chartres . Even if the quality of life is high compared to other French regions, the economic crisis is pushing consumers to borrow more and more to finance projects (travel, home, marriage, retirement, divorce, etc.). Good or bad idea ? It all depends on its repayment capacity and the management of its budget.
You should know that all socio-professional categories are affected by debt, even if the spouses work full time. Moreover, the average debt, listed by the Bank of United States, is around $ 40,501 for the Center region. To boost purchasing power and earn left over living, banking and credit organizations grant credit consolidation ; a financing solution that allows you to live more comfortably. Why ?
Above all, you have to know that the more credits you accumulate ( loan for the purchase of a vehicle, loan to finance electronic products, etc. ), the less you manage to manage your budget correctly, especially in the event of an unforeseen event such as a breakdown vehicle costs or a child's school fees.
The credit redemption mechanism
The mechanism for repurchasing credits is as follows:
- The borrower calculates the total amount of the outstanding balance of his loans.
- A financial institution studies the request by offering a loan of a value equivalent to the amount of credits to be settled. The loan is subject to an interest rate.
- The organization makes a loan offer . After agreement, the body is responsible for closing the credits .
Final result of the process:
- The amount to be repaid every month is less which increases the remainder to be lived .
- The borrower has only one financing partner.
- There is now only an exclusive credit which allows you to optimize your budget.
The repurchase of credits is, therefore, a good opportunity if you want to gain some left over. However, this option should be handled with care. It has to give you a real advantage.