As its name suggests, Banque Casino belongs to the Casino group. The basic activity of this financial organization is: the management of credit cards to finance purchases at the group's various partner merchants. Banque Casino also collaborates with the online portal Cdiscount.fr. In order to be able to offer new financial products to its customers, Banque Casino has joined forces with Crédit Mutuel CIC. Today, it is able to offer you loans and loan redemptions . This press release focuses on the solution of loan repurchases in order to balance your budget .
Extract from the official Casino website
Banque Casino and the loan buyback system
Every responsible person seeks to balance their budget in order to be able to have fun while paying their bills. Unfortunately, life is expensive. Sometimes it is difficult for a consumer to pay for boiler repairs or finance the next vacation. The repurchase of credits can be a possible solution if you want to recover purchasing power . Indeed, the principle is based on the grouping of current loans in order to lengthen the repayment period and, mechanically, to reduce the amount of repayments (called the monthly payment by credit organizations and / or banks).
Banque Casino offers the buyback of consumer loans (mortgage loans are not part of its product portfolio ). It is therefore possible to:
- Bring together at least two consumer credits ( consumer code).
- Apply for a loan ranging from $ 6,000 to $ 75,000 .
- To spread the loan over a period ranging from 1 year to 12 years.
- To include a new financing project in the overall loan.
- To benefit from a fixed or variable rate (the rate is to be defined at the time of the loan offer).
Conditions for the repurchase of consumer loans?
Here is a relevant question that deserves a fair answer.
Above all, you should know that a request is not synonymous with acceptance. To know if you can claim it, it is imperative that a financial expert from Banque Casino verifies your information and studies your file. He cannot override the laws and regulations governing the repurchase of credits. In fact, it is not 100% guaranteed that your project will get a positive response. Indeed, if the household debt ratio is too high, the file will be considered inadmissible. It will be necessary to turn to the over -indebtedness commission or to a relative to get out of the spiral of over-indebtedness.
In addition, we would like to bring you two useful tips. Indeed, to reduce the monthly repayment, it is necessary to lengthen the duration of the loan. We remind you that the loan is subject to an interest rate which increases its cost. It is, therefore, imperative to choose your loan offer according to its repayment capacity and not according to the amount of the monthly payment. In addition, opting for a variable rate is not necessarily beneficial since the latter can fall as well as increase depending on the index. The fixed rate, for its part, will remain the same throughout the duration of the loan.
Get information by contacting the Banque Casino advisers
Do you need to document yourself? Be aware that before taking any steps with the experts at Banque Casino, you can simulate your consumer loan buy-back project on the online portal ( www.banque-casino.fr ). If necessary, contact 08-25-95-49-89 (premium rate number) Monday to Friday from 9 a.m. to 6 p.m.