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BUY CREDIT: OPERATION

BUY CREDIT: OPERATION

How to reduce your monthly payments by redeeming your credits? The purchase of credits is consolidating your different loans into one loan from a bank that buys your credit and that becomes your sole creditor. This does not necessarily change banks The purchase of credits you can lower your debt ratio by spreading reimbursement of monthly payments and thus reduce the monthly repayment of your loan. The purchase of credits you can also reduce your debt ratio below 35% of your income if you were on top. DANGER OK rate debt to 56% represents a dangerous imbalance between your income and expenses debt ratio to 30% situation better suited to your financial Calculate your debt ratio : total monthly credit / total monthly income = your debt ratio Example of calculating the debt ratio: estate loans + credit consumption 1600 € / month, divided by your income of 3 000 € = debt ratio of 53% To achieve a debt ratio of 25%, reduce your monthly payments to 750 € Free study to decrease its debt ratio

What guarantees are made? safeguards needed are: assignment notified on salary, life insurance and possibly mortgage 1st row.

What amounts of credits is it possible to restructure? Refinance 1 - You are a tenant It is possible to restructure up to € 15 000 € 76 000 credits over a period exceeding 10 years. 2 - You own Without mortgage it is possible to restructure € 15 000 € to 122 000 credits over 10 years. Beyond 10 years and € 122 000 credit, it is necessary to take a mortgage on a property. Then you can spread your repayments up to 25 years and receive a redemption of your credits up to an amount equal to the value of the property provided as collateral.

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EXAMPLES OF REDEMPTION OF APPROPRIATIONS

EXAMPLES OF REDEMPTION OF APPROPRIATIONS

SPECIAL OWNER

Example No. 1 acquisition of credits

You own and you have the following credits: vehicle type credits Amount of credit Building main housing € 33 000 Building secondary dwelling € 19 000 Credit 5000 € Consumer credit € 4 000 Total credits € 61 000 You have a total of 4 credits and your monthly repayment amount to € 1,260 per month for 7 years. After restructuring your loans, your monthly payments are more than € 420 per month for 15 years . * With the restructuring of your credit, you have divided by 3 your monthly repayments. Free study buyback credit * Operation redemption of credits made subject to acceptance of your application. This example, provided as a reference, has no contractual value:

Example No. 2 credit retrieval

You own and you have the following credits: vehicle Total credits type credits Credit Amount Building € 76 000 Credit € 15 000 € 91 000 You have a total of 4 credits and your monthly repayment amount to € 1,063 per month for 10 years . After restructuring your loans, your monthly payments are more than € 532 per month for 20 years . * With the restructuring of your credit, you have divided by 2 your monthly repayments. Free study buyback credit * Repurchase appropriations made subject to the approval of your application. This example, provided as a reference, has no contractual value:

Example 3 redemption credits

You own and you have the following credits: vehicle type credits Credit Amount Building Senior Housing € 82 000 Credit € 15 000 Consumer credit € 4 000 Total credits € 101 000 So you have a total of 4 credits and your monthly repayment amount to € 1,302 per month for 10 years . After restructuring your loans, your monthly payments are more than € 435 per month for 25 years . * With the restructuring of your credit, you have divided by 3 your monthly repayments. Free study buyback credit * Repurchase appropriations made subject to the approval of your application. This example, provided as a reference, has no contractual value:

Example No. 4 of redemption credits

You own and you have the following credits: vehicle type credits Credit Amount Building main housing € 67 000 Building secondary dwelling € 38 000 Credit € 11 000 Credit Consumer € 7 000 Total credits € 123 000 You have a total of 4 credits and your monthly repayments amounted to € 1,613 per month for 10 years. After restructuring your loans, your monthly payments are more than € 806 per month for 20 years . * With the restructuring of your credit, you have divided by 2 your monthly repayments. Free study buyback credit * Repurchase credits made subject to the approval of your application. This example, provided as a reference, has no contractual value:

What amounts of credits is it possible to restructure?

Refinance 1 - You are a tenant It is possible to restructure up to € 15 000 € 76 000 credits over a period exceeding 10 years. 2 - You own Without mortgage it is possible to restructure € 15 000 € to 122 000 credits over 10 years. Beyond 10 years and € 122 000 credit, it is necessary to take a mortgage on a property. Then you can spread your repayments up to 25 years and receive a redemption of your credits up to an amount equal to the value of the property provided as collateral.

redemption credit: why

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at Affine: credit retrieval

Refinance REFINING, a debt consolidation solution for all: Redemption credit for individuals: Redemption of your real estate and consumer loans into one loan at best rates. Redemption credit professionals and independent professionals: Redemption of all your business and personal loans with monthly payments only to the most competitive rates in the market. Redemption credit owners: Get a debt consolidation loan restructuring all of your mortgage and consumer with competitive rates of mortgages. Redemption tenant credit: Take a new breath by consolidating all your credit consumption, by spreading your loan repayment period and lowering your monthly payments through a takeover of credit. Affini in situations of credit following repurchase: Purchase only your mortgage, buy your real estate and consumer loans, redemption of your business and personal loans, redeem your credit consumption. Refining processes all requests for redemption of credit from metropolitan France. Refining works with intermediaries in operation mandated banks and approved by the major credit agencies redemption.

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revolving credit or credit "Revolving" credit

revolving credit or credit "Revolving"















•

Principle is a credit "reconstituted "that allows a borrower to have and freely continuously for a certain sum of money.

The borrower is granted by the financial institution a cash reserve in which it can draw as they wish provided they do not exceed the maximum allowable .

-

repayments each month it does replenish the amount used, the

interest is payable only on amounts actually used.

• Objective
Crédit Permanent responds to a request by the client or to meet an immediate need, either as a reserve safety.

•

Beneficiaries

It is awarded to one or more individuals, the borrower and the co-borrower.

• Amount

The credit is generally determined:

-

income;

- other loans taken;

-

the customer / banker.

•

Duration

The contract period is normally 1 year automatically renewable.

•

Interest Interest is deducted from monies due at the end of each month. Rates vary according to the practice credit agencies.

• Refunds

The rate of reimbursement is preferred by the beneficiary to the extent of compliance with a minimum monthly .

•

Accidental Death The purchase of life insurance is usually required.

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classical (or depreciable)

The traditional credit (or depreciable)

General definition

The credit can be defined as all transactions by which a banker , trusting to its clients, lends them money. This function of banker is of general interest and is closely monitored, "National Council of Credit", "Banking Control Commission.

According to its duration, the credit bank is divided into three categories: - short-term credit, 12 months maximum;

average loan term of 13 to 84 months;

-

long-term credit over 84 months.

The consumer credit are credits granted to individuals for buying a

made object, as opposed to production credits granted to manufacturers. There are personal loans personal loans affected unaffected.

The loan

staff is a credit extended to the implementation of a determined

purchase or provide services. This is an operation with 3 players:

-

the seller: it instructs the credit file and returns the prior offer specific credit

the borrower ( he keeps a copy);

- the borrower receives and signs the prior offer of credit

-
the lender, it makes funding available directly in the hands of the seller.

In practice, consumer loans "affected" educated and made by banks on loans "caused" operation with only 2 players,

the borrower and the lender. In legal terms, the loan "caused" does not exist. It is considered a loan to the depreciable

consumption unaffected.

Remember to credit "caused" :

- undeliverable with immediate withdrawal period reduced to three days;

- application of stamp duty (flat fee depending on the type loan and the amount 01/01/2006)

personal loan unaffected is a credit designed to finance any expenditure to personal, and the use of funds is not justified.

loans affected or not, does not entail payment of an allowance

prepayment when the customer wishes to pay its loan in advance (partial or total).

operations involved

Offer automotive

The bank loan automobile is a typical example of an appropriation to purchase a specific property. It mainly concerns the market automobile. It directly addresses the needs of the client can determine the project (the value of well-funded, contributions, the budget) based on his personal situation.

The amount, duration, rate and date of sampling are elements to determine with the client.

The amount of funding may be total or partial depending on whether or not the customer wishes to pay a contribution .

Risk assessment of the case is strongly linked to the type of vehicle purchased new or used, the length of the vehicle, the value argus, the inclusion of accessories, use (current use, private, professional, mileage per year ...).

Note: To facilitate the development of Auto Credit, banks sell different packaged solutions (financing, insurance ...).

Offer Personal Loan

Offering personal loans, also known as bank loan, allows the customer to obtain

a sum of money repayable over a period and with monthly payments of

adapted to its budget rebate.

Unlike the credit, the principal repaid in each installment can be re-took

. The customer enjoys complete freedom of use, and may use the award as it sees fit without ever having to justify the amount or nature of its

expenses.

Knowledge of the use of funds will to assess risk and determine the rate .

Offer student loan

General

To conduct a policy of conquest on young customers, banks are developing Offer loan to finance the studies.

The beneficiaries of this offer individuals who are pursuing.

Student loans will be used to cover all expenses related to conducting a

schooling.

In principle, no proof of expenditure is required, therefore, they can finance both tuition, buying books, educational materials ... serve as the payment for current expenses (rent, for example ...).

Specifications

•

The loan

from a minimum of € 1,000 and a maximum of 21 500 €. These loans are unlockable in according to needs of the student.

•

duration The total duration is between 24 and 120 months.

In the modular option, the final duration of the loan may not exceed more than 24 months original length.

• The deferred

A partial or total deferred for a maximum of 5 years is allowed (0 to 60 months):

-

part: in this case, the borrower pays the loan interest and insurance premium Deaths

Disability (NOD); -

total: ADI is only levied on the customer's account, the unpaid interest compounded annually and incorporated into the initial capital.

The student can also ask to modulate the duration of its deferred
total or partial, in the lengthening or shortening the maximum of 2 years from its initial term without it can not exceed 5 years.

This modulation of the grace period makes it possible to shorten the duration of the loan (in case shortening of the university curriculum, for example) or lengthen (if repetition or additional degree ).

•

Periodicity

Four possibilities: monthly, quarterly installments, six-monthly annuity.

• modulation deadlines

The maturity of the loan, when it enters phase damping, can be modulated up or down to 20% of the current term.

The exercise of this option leads to modify the loan but can not increase the

over 2 years compared to the initial term.

• The release of funds

II is at the discretion of the student's needs in one or more times. However, to control

the use of these funds, it is possible to provide a partial release for each school year.

•

rate

II is a fixed rate, depending on the refinancing policy of each bank

e.

In option adjustable rate is also increased on the refinancing policy conduct.

Sheet

technical

product ready for consumption

Presentation The consumer loans are allocated to finance a specific purchase or services. They require the involvement of three parties: the seller, the borrower and the lender. These are personal loans when their purpose is not defined. These are amortizing loans.

Objective

to finance personal expenses, affected or not, and the work of a amount less than or equal to 21 500 €.

Beneficiaries

All individuals in positions of power to borrow.

Amount

The borrowed amount is credited into account.

Maximum undefined; up of 21 500 € the borrower benefits from the protection of the law Scrivener 1.

Duration

Usually 12 to 60 months.

Maximum restraint often 84 months.

Pricing

range of rates.

The offer must state the annual percentage rate and the effective periodic rate.

NB: The French government has decided to retain the name "TEC".

Warranty

-

Deposit spouse or a third person.

-

warranty on the actual object financed (eg lien on the vehicle).

Insurance

Accidental Death and Permanent Disability Absolute (ITT + according to CR option). Insurance contract included in the loan agreement.

handling charges end

The target consists of one share of principal, interest, and insurance premiums when

subscribed.

According to the principle of constant monthly payment, the share capital repaid each

maturity increases gradually as repayments while the share of interest decreases.

-

a renter who has financial resources to purchase equipment, it makes available to the tenant ;

-

The lessor buys the equipment supplier and then sells the enjoyment the tenant. It keeps ownership of the property throughout the contract period.

The tenant has the use of equipment and in return pays the rent periodically

landlord. These three parties agree:

- conditions of the lease, with respect to the lessor and the prospective tenant;

-

the price of materials and conditions of delivery with respect

supplier and the lessee.

operations involved

The LOA is possible on new vehicles only.
The rent structure established at the outset of the contract can be adapted to forecast cash tenant. These rents are generally constant and monthly but can be quarterly

, progressive or regressive.

assurances allow the customer to ensure its capital in case of loss or theft, or sometimes also covers mechanical problems.

It is permissible to transfer a lease to a new tenant if the landlord in

agrees.

Technical

Presentation

Customers choose their vehicle and the control. It transmits the order that accompanied his file LOA.

Objective

Financing of new passenger cars, camping cars, 4x4s and boats.

Operation

The customer pays the rent. The first rent includes some scales

deposit guarantee which is the option to pay on the due date of the contract.

Warranty

c surety possible.

Insurance For the tenant, Accidental Death and Permanent Disability Temporary Disability.

To the vehicle, insurance included in specific schedules.

:

-

insurance replacement value up to 24 months and a financial loss insurance, if

total destruction of the vehicle (theft or damage resulting repairs that List the amount exceeds the market value inclusive of the vehicle).

-

the provision of a replacement vehicle for 45 days maximum if

accident or act of vandalism resulting a total loss or theft of vehicle

- privacy board assistance - practical life.

fees: depends on the lender.

The legislative framework and rigorous discussed above requires a high degree of banker

professionalism.

Beyond the mastery of this regulation, the lender has to build its proposed credit from four major :

-

the project and the expectations of the borrower; -

different types of loans;

-

techniques for customizing credit supply;