With the emergence of the Internet, online banking has emerged. This is the case of Hello Bank, a banking organization that highlights the slogan “mobile banking like you” . Savings books, current account, consumer loans, real estate loans… Hello Bank, partner of BNP Paribas, is on the side of the consumer to support him in all the projects of his life. Does Hello Bank offer the credit consolidation solution? If so, who is it for? Why buy back your credits? How does this device work?
Making a loan buyback: good or bad solution?
Before getting to the heart of the matter, it should be noted that one in five households in United States encounters cash flow difficulties. Bank accounts are often in the red alert zone and financial debts like monthly charges are not always paid on time. When going through a financial crisis, you have to react quickly to the risk of finding yourself in the heart of the trap of over- indebtedness . It is to bypass the risks of filing with the Bank of United States that banks are opening the floodgates on loan redemptions . Hello Bank has integrated this product into its catalog. However, you should know that this online bank does not take back consumer loans . Here, the consumers affected by Hello Bank's offer are only homeowners who want to stack the outstanding mortgage loans into one loan.
From the online portal, it is difficult to learn about the specific conditions of this financing solution . Not that Hello Bank does not want to pass on the information, but each case is unique and to offer you the best, it is essential to contact a Hello Bank financing specialist directly.
In general, the repurchase of real estate loans offers the following advantages:
- A single rate (lower than the rate for current loans).
- A lower monthly payment (decrease caused by the rate and the extension of the duration).
- One funding partner.
However, it is good to know that it is not interesting to redeem your loans whose rate is less than 1% ( PTZ , PTZ Plus , mortgage at 1%) for the simple reason that it is not There is no organization offering mortgage loans with such low rates. Likewise, you have to be careful not to lose your privileges linked to government aid (purchase of an apartment under the Scellier scheme for example).
Contact the online banking "Hello Team"
The Internet has changed the lives of consumers. Getting in touch with experts, making comparisons , requesting quotes … almost everything can be done online since there are cases where it is pleasant to be able to establish a real dialogue. If you wish to apply for a study , you can do so online or contact the advisers by phone by dialing 08 008 484 00 from Monday to Friday from 9 a.m. to 10 p.m. and on Saturday from 9 a.m. to 6 p.m.