Exemples rachat de credits

Mortgage Loan: A couple has taken out a mortgage loan of €200,000 to buy their home, with monthly payments of €1,000.
Consumer Loans: In addition, they have several consumer loans: a personal loan of €15,000 (monthly payment of €350) and a revolving credit of €5,000 (monthly payment of €200).
Total Monthly Payments: The couple is paying €1,550 per month for all these loans.

With a monthly income of €3,000, the couple is finding it difficult to meet all of their monthly obligations and is starting to experience financial stress.
The overall debt (total liabilities) is becoming too heavy to manage, and the high monthly payments are limiting their ability to handle other essential expenses.

The couple decides to opt for debt consolidation. The credit institution buys out their existing loans (mortgage, personal, and revolving) and combines them into a single loan.
New Monthly Payment: The total debt is €220,000 (mortgage + consumer loans). After the consolidation, their monthly payment is reduced to €1,400, a savings of €150.
Benefits: The couple now has only one monthly payment to manage, which is easier to follow, and the loan term is extended, giving them more time to repay the debt.

The reduction in monthly payments helps the couple manage their budget better, while allowing them to keep their home and have more time to repay their total debt.

Revolving Credit: An individual has several revolving credit accounts, including a credit card with a balance of €7,000 and another revolving credit of €3,000.
Personal Loan: They also took out a personal loan of €8,000 to cover unexpected expenses (car repairs, travel, etc.).
Total Monthly Payments: They are paying approximately €500 per month for all these loans.

This individual is struggling to repay their debt due to the accumulation of high-interest loans. Revolving credit, with interest rates often exceeding 15% annually, makes the situation financially difficult.
The high monthly payments and growing interest on revolving credit worsen their financial position, leading to challenges in managing day-to-day expenses.

They decide to pursue debt consolidation, allowing them to combine their consumer loans into one, and negotiate a lower, unified interest rate (around 5-7%).
New Monthly Payment: The total debt is €18,000, and after consolidation, their monthly payment is reduced to €300 per month over 5 years. This allows them to lower their debt-to-income ratio and manage their finances more effectively.
Benefits: The new interest rate is lower, and the repayment term is extended, resulting in more affordable monthly payments.

This person can breathe more easily with a more affordable monthly payment. They also benefit from a lower overall interest rate, which will help them pay off their debt more quickly.

Personal Loans: An individual has taken out multiple personal loans to finance home renovations, vacations, and impulsive purchases. They have accumulated a total of €30,000 in consumer loans.
Mortgage Loan: Additionally, they have a €150,000 mortgage with monthly payments of €800.
Total Monthly Payments: They are paying a total of €1,500 per month to repay all their loans.

Due to a job loss, this individual finds themselves unable to repay their debts. Their income has decreased, and they are unable to meet their monthly obligations, risking losing their home.
The multiple debts have become too overwhelming, and the financial pressure is unbearable, leading them to seek assistance in resolving the situation.

After consulting a financial advisor, they decide to pursue debt consolidation, combining all their loans (both mortgage and consumer loans) into a single loan.
New Monthly Payment: The total debt is €180,000, and after consolidation, their new monthly payment is reduced to €1,000 per month, saving €500.
Benefits: The interest rate on the new loan is restructured, and the repayment period is extended to 20 years, providing much-needed relief.

Debt consolidation simplifies their debt management, reduces the financial burden, and provides more time to repay the debt. This allows the individual to avoid the risk of losing their home and regain financial stability.