Credit provider gives you 10 tips to maximize your chances of getting the best loan consolidation solution.
1. Take stock of your situation
A pooling of credits is a banking transaction that requires time and supporting documents related to your situation.
Take the time to take stock of your situation (number of credits, total amounts to be reimbursed, total monthly payments, etc) before going headlong.
2. Take the temperature on the question
The Internet allows you to view reviews from other users through the loan consolidation. The forums, testimonials and opinions will allow you to get a better idea of this operation.
3. Choose your establishment
Either your own bank or a specialized banking intermediary. Both offer credit redemption solutions. The banking intermediary works with several banking partners, it may eventually offer several solutions (without necessarily requiring you to change banks), which will allow you to choose the best.
4. Play the competition, but not too much!
The banking intermediaries work with the same banking partners, so they propose the same solutions of credit redemption.
To put several banking intermediaries in competition will result in a blocking of your file at the banking partner. It is better to make the comparison on the quality of the accompaniment and the advice.
5. Save time preparing your papers
By preparing your receipts in advance, you will save time when analyzing your file by funding professionals.
6. Watch out for scams
More and more scams are taking place on the web and especially by email. Take care to distinguish the true from the false: find out about the society in question, does it exist? Does it have a website? Does the email contain no spelling errors? Is there a phone number so I can contact them?
Simple but necessary questions to avoid inconvenience.
7. Ask questions
Do not hesitate to ask questions about the terms of the grouping of credits (reimbursement, rate, insurance, duration …) and the various stages of financing.
The specialists are there to answer you, as much to enjoy.
8. Simulate your loan consolidation
Online simulation tools are available and give you a rough idea of your future monthly payment, an interesting tool, free and without commitment.
9. Require a single point of contact
What’s more unpleasant than falling on a different advisor with each call? Ask for a single point of contact, that is, a counselor who will take care of your case from beginning to end.
10. Take the time to reflect
Once your proposal is obtained, the law allows you to take the time for reflection until 14 days after receipt of the offer. Like any important decision, take the time to thoroughly study the proposal before making your decision.