The purchase of credits

The purchase of credits

 

Whether real estate or consumption, must meet several conditions, including having a stable financial and professional situation. However, under what condition can we get funding with a single salary?

Can I get a credit buyback with a single salary?

Can I get a credit buyback with a single salary?

 

It is sometimes difficult to cover current expenses and loan repayments with a single salary, but there are solutions to readjust your finances to your new financial situation and the combination of credits, whether real estate or consumption, can be an alternative. Such a banking operation despite the fact that the borrower has only one salary is possible under certain conditions: the borrower must have a serene professional situation (permanent, civil servant), his debt ratio as well as his remainder to live must be reasonable, the l borrower insurance is highly recommended. In fact, as part of a credit buy-back, banks pay particular attention to the household’s income and having only one salary is not a problem if it comes from a labor contract. durable work and if it is sufficient to repay the new monthly payment while keeping a rest to live reasonable.

Takeover of loans with a single salary: what types of loans involved?

Takeover of loans with a single salary: what types of loans involved?

 

Whether real estate or consumption, with or without guarantee, the purchase of credit with a single salary can concern all types of loans. It is important to know that everything depends on the financial situation of the borrower, his project and the nature of his various loans. In all cases, the borrower must meet the criteria and standards of the bank that finances the operation to claim a purchase of real estate loans or consumption. In fact, a careful study of the financial situation of the borrower and his financial behavior allows the bank to determine the type of financing adapted and the guarantees necessary for the granting of the new loan. This study also demonstrates that the household’s only salary is sufficient to meet the funding criteria. However, for loan consolidation with a mortgage guarantee, the borrower’s mortgage ratio and overall debt ratio are among the key criteria that determine the type of financing. In fact, when the value of the property is too small in relation to the amount of new financing, banks may propose a credit consolidation operation that includes only consumer loans and other loans that do not require a special guarantee. .

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