To make a credit redemption, you must gather all your documents: offers of consumer credit, the last statement of money reserves, the amortization table of the mortgage or your last rent receipt and your taxable income. In your credit redemption request, we will determine your current debt ratio.
Make a credit redemption or credit consolidation
To reduce your debt ratio, you can combine all your credits into one in order to obtain a smaller monthly payment. The total prepayment of your credits conso makes disappear the levies of the various credits. This procedure simplifies your budget without changing banks.
Buy your home loan or renegotiate it?
Redeeming a home loan entails a prepayment penalty fee of 3% of the outstanding capital, notary fees for setting up the mortgage and processing fees. Before you buy your credit, start by renegotiating with the bank that granted you this mortgage.
When your mortgage is old, it is not always wise to take it back. Redeeming a home loan involves significant costs to be included in the calculation.
How to get a credit redemption?
First and foremost, you need to do a credit redemption simulation. The purpose of a loan redemption is to reduce its monthly payments.
Then Zaloan, broker specializing in credit redemption, gets in touch with the bank that buys the credits to get the best conditions for you, at lower cost.
A home loan repurchase will always be with a lower rate but this involves a mortgage on your home. Consolidation of consumer loans, without mortgage, will be simpler and faster to implement.
Namely, a redemption of credit overindebtedness is impossible. All households that have submitted an over-indebtedness file to the Credither can no longer benefit from a loan for the duration of the over-indebtedness plan.