Discover without delay the two products of repurchase of consumer loans distributed on the French market of the restructuring. Get to know the different loan consolidation solutions without guarantee, ie in personal loan format that are exclusively dedicated to tenants and owners.
Discover the product offer mini RAC
The mini RAC product offering is the solution for small groupings of credits. Its title is mini because the amount of the customer’s need, ie amount to excluding fees and expenses, must be between a range of one thousand five hundred euros minimum and five thousand euros maximum. It is the same for the duration of which can not exceed eighty-four months maximum (7 years) and a depreciation period of twelve months minimum (1 year).
It can be included in plan with cash to meet different needs. The unallocated cash criterion that can be granted is up to five thousand euros. This is a free cash envelope for use by the borrower (s), ie without proof of payment (invoice) to present. Beyond 5000 € n falls within the framework of a cash assigned to a specific project, and it is enough simply to present a/estimate in order to be.
In order to qualify for a buyback of mini RAC loans, you should not be enrolled in the FICP (credit incident file for individuals) because this is unacceptable and leads to an immediate refusal to study the client file. An offer intended for the customers profiles owners or accessing the property, but also tenant and housed employers, u still hosted free of charge provided it is descendant/ascendant.
Discover the maximum credit redemption offer
The standard consumer credit consolidation offer may have a payback period of one hundred and forty-four months and a maximum of eighty thousand euros. The maximum repurchase of credit offer (maxi RAC) makes it possible to significantly increase its two ratios in order to allow more flexibility for the borrowing (s).
The maximum offer RAC without guarantee allows a maximum amortization period of one hundred and eight months (15 years) is 3 years more than the standard offer, and a maximum financed amount of one hundred and fifty thousand euros is 70 K € more than the standard offer. The maximum buyout of credits is a real global solution to combine grouping of credits and projects works.
The advantage of a repurchase of loans without taking out mortgage guarantee and which can regroup a capital remaining due of credit mortgage provided that its share does not exceed by sixty percent of the financed amount. An offer eligible only for borrower profiles who own at least one property. An advantage that offers the possibility of carrying out work by securing the management of the budget of the subscriber (s) of the offer.
Unallocated cash that can be obtained is up to € 10,00. However, the cash envelope that can be obtained in the framework of the projects and for works only amounts to 75 000 € maximum. Another strong point of the maxi loan buyback offer is that the maximum debt ratio after operation is 50%. This leaves more room to see his file get a favorable opinion.