The provider provider Conseil firm puts at your disposal its advisors specializing in credit redemption, to allow you to mount your loan consolidation file with confidence and be able to benefit from the most advantageous offer of the moment. Discover 2 examples of credit redemption.

Example 1: Repurchase of tenant credit

Example 1: Repurchase of tenant credit

He is a tenant of an apartment located on the outskirts of Marseille. He had to appeal to several credit organizations to settle in his new home (appliances, interior equipment, etc.). He also took out a car loan to buy a vehicle and to go to his place of work because his car no longer met the standards of the technical control.

However, the settlement of its monthly rent and the accumulation of monthly installments of credits stifle its purchasing power and no longer allow it to finish the end of the month calmly.

He therefore inquired about the purchase of credits, an operation that consists in grouping all his credits into a single loan.

He has contacted a consultant specializing in the purchase of credits in order to reduce his monthly loan repayment charges. He enlisted the services of the provider Cabinet provider Council via the website.

After the study of his file by a specialized financial advisor, He benefited from a repurchase of credit and a global loan taking over all his loans. A single monthly payment now allows him to find more flexibility in his budget and to finish the end of the month without worry.

Example 2: Credit buyback for an owner

Example 2: Credit buyback for an owner

They have two children, and own their home located in Toulouse. In recent years, they have taken out several loans for the purchase of their home, but also to replace one of their vehicles, providerr the university studies of their eldest son as well as for other projects.

Today, they want to install a veranda to improve the comfort of their place of life.

They contacted an advisor provider provider. After an analysis of their needs and their financial situation, the family was able to benefit from a loan buyback combining all their loans in a single loan, allowing them to have only one and only monthly payment.

This repurchase of credits with restricted cash allows They of providerr their new project of installation of veranda.

As you own, you want to do work and reduce your monthly payments? Ask yourself a free and confidential study, one of our advisors reminds you to answer your inquiry!

Outline of provider provider solutions

Outline of provider provider solutions

  • Employees, Net income € 2,235 and € 1,920/month
  • Owner of their main residence, value 350 K €,
  • Credit in progress: Purchase land + construction CRD 19 000 €, House work: 16 000 €, Car: 9 000 €, and 2 Loans Conso for 4000 €
    Current indebtedness 35%

Their project:

  • Acquisition of an apartment in Spain: purchase price 69 K €

The financial arrangement:

  • Purchase price 69 K €
  • Repurchase of current loans for 49 K €, 20 K € of cash (10 K € for the providerment of the higher studies of one of the two children, 5 K € to develop the apartment and 5 K € in cash of comfort

The providerment:

  • Loan of 149 K € over 21 years, fixed nominal rate 1.85%
  • Monthly payment 713 €
  • Debt after operation 17%
  • Residual of 3400 € approximately
  • Secured on the main residence in France

Mrs FRANCOIS: project acquisition of an apartment by the sea in main residence

Mrs FRANCOIS, 74 years old, widow, retired

  • Net income 2130 €/month
  • Owner of a house worth 60 K €
  • Current credit: Car 9,400 €
  • Current indebtedness 12%
  • No personal contribution

His project :

Acquisition of an apartment by the sea: purchase price 85 K €

The financial arrangement:

  • Purchase price 85 K €
  • Agency fees 7K €
  • Provision for transfer costs 7 K €

The providerment obtained:

  • € 117K loan over 20 years, fixed nominal rate 1.85%
  • Monthly payment 585 €
  • Debt after operation 27%
  • Residual of 1545 €
  • Guaranteed on the main residence and the property by the sea

The client was able to obtain the providerment for the acquisition of a property as a new principal residence, without recourse to the bridge loan. She can sell her property without haste.

Mr and Mrs THOMAS: project acquisition secondary residence of a Flat in Paris + Works

  • Mr and Mrs THOMAS, married, 41 and 43 years old, both of them, 4 dependent children (5, 5, 10 and 16 years)
  • Salary Mr 5600 €/Mrs 3 700 €
  • Owner of 2 Apartments rented 460 € each (CRD of 180 k € for 994 €/month (not included) and 53 K € for 640 €/month.
  • Owner of their PR, Value € 290k
  • Current loans: Real estate 83 K € and Monthly payment 1,820 €, Car loan 38 K € monthly payment 810 €, Work loan 14 500 K € monthly 510 €
  • Current debt 40%

Their project:

Acquisition of a Paris Apartment + Work: purchase price 446K €

The financial arrangement:

  • Purchase price 446 K € including 7 K € agency fees
  • Works 35 K € (plus 4 K € free cash)
  • Provision for transfer costs 33 K €

The providerment:

  • Loan of 708 K € over 30 years, fixed nominal rate 2.45%
  • Monthly payment 2804 €
  • Debt after operation 35%
  • Residual of 6864 €/month
  • Guaranteed on the main residence, the property purchased and one of the two rentals

Mr RUELLE: project acquisition of shares of SCPI

Mr RUELLE, 64, wants to buy shares in SCPI

  • Retirement 2100 €, rent collected 435 €/month
  • Owner of their RP, value 240 K €
  • Owner of a rental property, value 105 K €
  • Current credits: Real Estate CRD 51 K € monthly 897 €, Car Loan 4 K € monthly 140 €
  • Current indebtedness 42%

His project :

Purchase of SCPI shares: purchase price 75 K €

The financial arrangement:

  • Purchase price of SCPI shares 75 K €
  • Repurchase of outstanding loans for € 51K and € 4K

The providerment obtained:

  • € 138,000 loan over 15 years, fixed nominal rate 1.55%
  • Monthly payment 865 €
  • Debt after operation 35%
  • Residual of 1583 €/month
  • Security interest on the principal residence

Mr and Mrs POULAIN: project of setting up a PINEL tax exemption plan

Mr and Mrs POULAIN, 50 years old, married 2 children with charges.

  • Employees, Net income 3598 € and 2544 €/month, rent 610 €
  • Current indebtedness 21%.
  • Owner of their main residence, value 530 K €
  • Ongoing credit: Purchase of land + construction CRD € 176,908 remaining term 25 years (3.95%), Revolving credit € 21,500 (14.60%).

Their project:

  • Restructure their home loan through a repurchase of credit and providerr their PINEL tax exemption project.

The financial arrangement:

  • Repurchase of outstanding loans for 176,908 € and 21,500 €, 1 K € of cash

The providerment obtained:

  • Loan of € 211,000 over 22 years, fixed rate 1.85%
  • Monthly payment 984 €
  • Future debt of around 16%
  • Residual of 5158 €/month
  • Secured on the main residence in France

The transaction allowed customers to reduce the total cost of their credit by repurchasing the revolving credit at a fixed lending rate of 1.85% and reducing the term of the mortgage. The wealth management advisor has in the continuity of operations financed the customers as part of a PINEL.

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