FAQ - Homeowner credit buyback

Without necessarily talking about over-indebtedness, it can happen that your budget is penalized by too many loans taken out at different times in your life. You may need to consider a credit buyback (or a consolidation of receivables) ...

Credit buyback for owners

I have all my credits redeemed with a mortgage loan by a broker. This one tells me about fees to be paid which will be integrated into my loan. Is this normal?
The mortgage loan offer that you will certainly receive will be able to detail the entire operation and the costs included. This generally includes the application fees taken by the lender, the notary fees (for taking out a mortgage), credit insurance premiums and the commission paid by the lender to your broker.
Credit buyback for owners
While I am a tenant, I was told that I could make a mortgage loan buyback to consolidate all my loans. Normally mortgage credit is reserved for homeowners, right?
In your name and if you are not the owner of a property you cannot take out a mortgage loan, this is obvious and you are right. The case you cite can be explained in only one way ... A person who owns a "surety" by hypothecating his property for the benefit of a tenant ... No need to tell you that the case is rather rare!
Mortgage loan repurchase
I am an owner and I want to redeem my consumer loans only. Am I obliged to take out a mortgage loan as my bank advises me?
No, of course ! You can actually buy back all your consumer loans without resuming your real estate loan (so without taking out a mortgage). Institutions like Paydaynow , Sofinco can offer you a personal loan that only includes your consumer loans with an immediate online response.
Redemption of credit without taking a mortgage (as for a tenant)

You will find below a selection of establishments offering credit redemption:

Establishments Benefits Click!
Cofinoga An immediate online response in principle for consumer loan buybacks cofinoga
Younited Credit A loan for individuals ... between individuals. Often very well positioned in terms of credit. Younited Credit
Finishes Established since 1998. Obtain a first estimate of your reduced monthly payment in real time FinaPrets


A loan commits you and must be repaid.
Check your repayment capacity before you commit.

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