Redemption of borrowed credits

“Project agitator” , this is the image that the Empruntis brand wishes to convey. belongs to the broker Panoranet . The brand was created in the 2000s and allows individuals to be supported in their research; whether it is a search for financing or insurance. In this article, we will only take into account the credit redemption solutions of the brand.


Which household has never encountered cash flow problems? We must admit that with the economic crisis , purchasing power is falling . You are therefore not an isolated case if you find yourself in bank overdraft . Credit organizations such as banking establishments have understood that consumers need a little help to rebalance the budgetary balance . This observation has led the credit houses to develop a brand new financing product: the repurchase of credits.

The repurchase of credits is, by definition, the meeting of the debts of a household (consumer credit such as mortgage loans) into a single credit subject to a single rate . This new bank loan, which will have to be repaid, has the advantage of reducing the amount of monthly payments . Its disadvantage: the lengthening of the duration of the loan. This is a sine qua non for the amount of the monthly payment to be reduced. Indeed, there would be no interest in collecting your credits if the device does not allow you to rebalance your budget. And for this balancing to be possible, it is imperative that the monthly payment is reduced.


credit consolidation quote

The repurchase of credits is different from one organization to another. Some offer the repurchase of consumer loans while others are only interested in the repurchase of mortgage without forgetting that agencies offer the combination of the two. has chosen to offer a wide choice to its customers. Thus, it is possible to:

  • Consolidate all or part of its consumer loans .
  • Bring together consumer loans with mortgage loans.
  • Renegotiate the mortgage.

To help find the best solution, works with the largest banking or credit organizations on the market such as BNP Paribas, Creatis, Creditlift or CFCAL .

Who can make a loan redemption request? The Loan offers are aimed mainly at indebted households who wish to reduce their debt and, by deduction, live more serenely and easily, but also to people wishing to finance a new project. Be careful, however, not to fall into the spiral of over-indebtedness by contracting too many loans.

In addition, it is good to know that it is necessary to have good guarantees at the risk of seeing your file rejected. A good guarantee requires a good professional situation (preferably CDI), but also a correct debt t aux . Having a co-borrower is a plus to support your, but it's not an obligation. It is also more responsible to take out borrower insurance that covers you in the event of unforeseen circumstances.

You need to contact a financial advisor from the Empruntis group, dial 08-26-10-74-74 (premium rate number). The advisor will be happy to carry out a simulation and find the best financing solution adapted to your situation. The team is available on weekdays from 9 a.m. to 7 p.m.

Redemption of borrowed credits
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