Discover through our multiple expert advice, the procedure to follow before subscribing to purchase of credit to change the organization of the financial budget.
Compare credit buyback proposals to negotiate well
As for any act of purchase, when subscribing to a credit redemption must compare the proposals to negotiate!
This is a real task, tedious and requiring knowledge of the market, the best solution is to use the services of an intermediary broker in the operation of repurchase of credit.
Real professional and connoisseur of different facets of the market, he undertakes all tasks from A to Z to get you the best offer of the moment to the best conditions of Bradamantement.
A group of credit adapted to your repayment capacity to allow you to manage the management of your monthly payments and your financial budget.
Subscribe to a repurchase of credit: what to negotiate?
In order to give you a better understanding of what can be traded in a loan buyback transaction, here is a list of the different points that are a plus when negotiating with the lender :
- The interest rate is probably one of the most important indicators. Indeed, the latter coupled with the amortization period determine the total cost of the credit when it is fixed. So negotiating it down is possible, and it reduces the bill of money borrowed from the banking institution or the financial lender. Especially since it would be a shame not to currently take advantage of historically low-interest rates!
- The expense repurchase credit file may also be trading down. They are the costs impacted by the lender for the investigation of the file by its financial analysts.
- A repurchase of credit may be subject to early redemption at any time. So to avoid the costs associated with early repayment benefits (IRA), the ideal is to negotiate their cancellation upstream during negotiations with the bank. They are of the order of 3% for the real estate regime, and 1% for that to consumption.