What are the credit solutions available to owners in difficulty? Our experts advise you.
Homeowner in difficulty: credit
The owners have heavier expenses than the tenants, in particular as regards the property tax or the costs linked to the property (maintenance of the house, apartment, heating, electricity, upgrading, decoration).
The budget is therefore more complicated to manage for an owner than for a tenant, which can sometimes cause temporary difficulties. The main thing is to ensure that these temporary difficulties do not spread over the long term.
The personal loan is a financing which makes it possible to obtain a sum without necessarily allocating it to a project, just like revolving credit but it is still necessary to be able to claim it. Simply, in the event of a financial unforeseen event (work in the house, separation, car breakdown, etc.), it is difficult to cope, especially with a high debt ratio. A house loan or home loan simply means a sum of money borrowed from a financial institution or bank to purchase a house. Home loans consist of an adjustable or fixed interest rate and payment terms.
Solving owners’ difficulties with buying back credit
The grouping of credits proposes to kill two birds with one stone. That is, the owner’s credits can be combined into one, which allows you to spread out the repayment period and reduce the amount of the new monthly payment.
In addition, it is possible to add an additional amount that will rebalance the accounts, with lower monthly payments, the imbalance disappears and allows the borrower owner to breathe sustainably.
By spreading out the repayment of credits over time, the monthly debt ratio is reduced, which brings more lightness in household finances. The borrower owner also secures his real estate heritage by proceeding with this type of financing.
Owners: simulate for free
The best way to understand a loan buyback operation is to carry out a simulation. It is completely free and without any commitment. Simply complete the form and validate it. The result is almost immediate.
This estimate will allow you to compare your situation before and after buying back the credits. It is simple, efficient and there is no need to travel to get the feasibility notice.