"Guarantee of confidence" ; this is the image that the municipal credit of Bordeaux, formerly the Banque Publique des Solidarités, wishes to convey since its creation. This municipal public body is one of the municipal credit funds (formerly mont-de-piété ). Municipal credit unions mainly offer pawnbrokers . However, it is also possible to turn to this social organization to apply for consumer loans or to buy back credit. How does credit restructuring work ? Why use it? What does Bordeaux municipal credit offer?
The consolidation of loans: a solution to get out of debt?
The consolidation of credits is a loan, a monthly payment, a fixed rate for increased purchasing power . This solution, which has existed for several years, was designed to help citizens finance new projects or get out of debt. But is it a good idea to use this credit solution? The repurchase of credits is not an end in itself since it allows to live in better conditions . Is this not the envy of all citizens who feel taken by the throat by credits and bills? In fact, this solution can be a way out in the fight against debt . Of course, this is a loan. It will therefore be necessary to be able to honor your debts.
Bordeaux municipal credit does not redeem all of your credits. Only consumer loans are affected by this system. Purely as an indication, the term “consumer loans ” includes revolving loans such as personal loans or movable loans. The Bordeaux municipal credit offer is wide:
- The loan amount from $ 1,000 to $ 75,000.
- The term of the loan from 1 year to 10 years.
Is the repurchase of credits accessible to all? Bordeaux municipal credit has set some rules. If you find yourself in any of the following situations, your request will likely be rejected:
- It is impossible to request a repurchase of credit if you are registered in Bank of United States .
- It is impossible to request a repurchase of credit if the debt ratio is excessive .
- It is impossible to request a loan repurchase if your professional situation is not stable .
Age can also be a refusal criterion. In fact, people over 65 are invited to contact the organization for a personalized study. However, the age has increased to 75 years maximum for reimbursement before 85 years.
Extract from the site: ccmps.fr
Getting in touch with a Bordeaux municipal credit advisor
For more information, do not hesitate to call the financial agents of the municipal credit of Bordeaux at 05.56.333.777 from Monday to Friday from 8:30 am to 5:30 pm. You can also make your request online on the CCMPS Bordeaux website or by email: email@example.com