Entertainment: How to consolidate its credits to optimize its monthly payments?

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Reimbursement of your loans represents too much financial burden on a daily basis?

Le regroupement de crédits permet bien souvent de diminuer le montant de vos mensualités, moyennant un coût final plus élevé. © iStock / City Press Credit consolidation often makes it possible to reduce the amount of your monthly payments, for a higher final cost. Silver - Reimbursement of your loans represents too much financial burden on a daily basis?

between the borrowing of the house , the one for the car and the third for the appliance , it is sometimes difficult to see it clear in its different refunds , but also to assume all. The consolidation of credits then allows to restructure its debts, in order to better optimize its monthly payments. But still, it should be taken carefully to prevent the overall cost exploding.

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Several credits in one

This operation consists of a redemption of all or part of your current loans to bring them together in one. In this way, you can adapt this only schedule to your repayment capacity. The grouping of your contracts can relate to any type of credits. For example, you can combine your home loan with consumer credit contracted to buy your new washing machine or fridge.

The principle is the same with the loan subscribed to finance your car, your renovation works or with the professional loan that allowed you to launch your company. Everything is possible, including including renewable credits and even other debts such as bank overdrafts.

But if the share of your home loan represents more than 60% of the total amount of the group, the new contract will be treated as a real estate loan and consequently subject to the applicable rules in this respect, in particular for its conclusion (10 days of time. sending supply and acceptance).

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Lower monthly payments, increased cost increase

The modalities of the consolidation of credits adapt to the situation of each borrower. When the market lends itself, it may simply be a redemption under more advantageous conditions. This is particularly interesting for those who have subscribed to a very high interest rate for a period of interest and who can, in this way, benefit from a rebate on the total cost by carrying out a much lower rate.

Moreover, if your repayment capacity has improved, this grouping operation can allow you to reduce the duration of your commitment, and therefore pay less interest, in return for a stronger monthly payment.

This said, with the primary objective of the credit group being to lighten the monthly financial burden, it is most often a weaker monthly payment, with the lengthening of the duration of the new loan. If you have 3 ongoing credits spread over one and three years, they will be able, for example, to be replaced by a five-year contract. Ground floor: the total cost will increase.

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Well calculate its cost

Credit grouping is not systematically advantageous. It is therefore necessary to perform certain checks. It is first of all to determine the remaining cost of your various loans, in other words remaining interest to repay. Then, it is necessary to evaluate that of the redemption operation, multiplying the amount of the deadline proposed by the number of months of the new loan and adding the inevitable fees of application applied. Attention, early repayment allowances for your old loans can also inflate the bill.

finally compare your results to find out if the total cost of the grouping is lower than that of your current credits. Know that it is rarely the case. Nevertheless, it will then be informed that you will agree to pay more expensively over the duration so that you can loosen the financial strength of your monthly refunds and thus avoid falling into a situation of over-indebtedness .

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