Auvergne is a French region which brings together four departments: Allier, Cantal, Puy-de-Dôme and La Haute-Loire . This region is particularly known for the city of Clermont-Ferrand, for its thermal spas of Vichy, the gastronomy of Les Moulins or even the historic monuments of Aurillac. If tourism makes the economy of the region flourish, the Auvergnats are still affected by unemployment and divorces . To overcome these temporary difficulties, it is sometimes necessary to have recourse to the repurchase of credits. Let's take stock of the situation in Auvergne.
The situation of Auvergne in the face of debt
Auvergne is not spared by debt . While it is true that Puy-de-Dôme is one of the departments where households are least in debt, this is not the case in Haute-Loire. In this department, it was observed an increase in the filing of commission files in the Bank of United States . Despite a clear progress, some households feel the need to obtain real help to get out of the crisis situation in which they find themselves. Breaking the deadlock means you have to rack your brains to find tips to rebalance the budget balance in order to live in good conditions with a suitable purchasing power . Studies conducted by the Bank of United States have made it possible to analyze the behavior of indebted households. The verdict is in; the overconsumption of consumer credit is the main cause. In addition, it is single people or couples without children who are most affected by this scourge.
Is the repurchase of credits a good alternative to raise the head?
Feeling overwhelmed by debts, bills and other charges? This is the perfect time to draw up a financial report on your situation in order to analyze household resources and expenses.
Before explaining to you the usefulness of a financial report, it is good to recall the principle of the repurchase of credits. The concept is simple; a financial institution takes over your credits and offers you a new loan at a single rate and a lower monthly payment.
The financial report allows, first of all, to restrict one's budget on certain expenses. For example, it is quite feasible to limit your food budget such as reducing the contributions of certain insurances.
In a second step, it is necessary to determine the amount of the recovery of consumer and / or real estate loans. You should know that some organizations only grant consumer loans ( movable loans, revolving loans, loans for works, etc. ) while others are only interested in renegotiating loans (ING Direct for example). The largest financial institutions can offer mixed loans, that is to say, it carries out a global consolidation of household loans (real estate as well as consumer).
Finally, you have to compare the different offers from credit institutions to find the one that best suits your situation. For quick comparisons, use an online comparator .