This is indeed the first wish of all customers: limit the fees! Do you want a bank specializing in homeowner or tenant credit buybacks to offer you a low credit rate? How to do ? The answer is simple: you will have the repurchase of credit at the best rate if you present an impeccable record.
What are the best credit redemption rates?
There are two types of credit surrender. The first says real estate, it is a group of credit in which there is more than 60% of mortgage. The second is consumption, it is a loan buyback in which there is less than 60% mortgage (or conso credits).
During a credit redemption simulation, we immediately determine in which type of redemption your file is placed.
The redemption types will determine the credit surrender rates
Indeed, the repurchase of credit at the best rate will be that said real estate. Banks are required to apply the rate of attrition of real estate credit, much lower than that of consumer loan.
So, the credit at the best rate will be obtained by buying the mortgage but it will provide the mortgage of your home and notary fees. With a credit surrender calculator, we can highlight substantial substantial gain.
The consumer credit buyback will have a very low rate if you offer a mortgage guarantee to the bank. If you decline this option, the credit rate will be low as long as it is up to date in all its monthly loan payments and provided you have a current debt ratio of less than 90% of your income.
The redemption of credit: how does it work?
The credit redemption has the definition of grouping a set of credits into one with a lighter monthly payment. Once the type of redemption determined, the credit simulation allows you to choose the most economical and the most appropriate for your situation and your needs.
At present, it is better initially to consolidate the credits conso and in a second time to renegotiate your mortgage to benefit from historically very low rates. So you can really try it now!