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. | | | | | | 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 € |
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