isaacjogues.org http://www.isaacjogues.org My WordPress Blog Wed, 08 May 2019 11:47:22 +0000 en-US hourly 1 https://wordpress.org/?v=5.2 Entrepreneur Loans http://www.isaacjogues.org/2019/05/08/entrepreneur-loans/ http://www.isaacjogues.org/2019/05/08/entrepreneur-loans/#respond Wed, 08 May 2019 11:47:22 +0000 http://www.isaacjogues.org/2019/05/08/entrepreneur-loans/

Entrepreneur Loans 

 

Employment of the Ministry of Education of the Junta de Andalucía. Andalusia The Valencian Community Model Of Loan Between Individuals Without Interest Castilla y León Fiscal Year – Transmuni. The individual was transferred to police offices and put loans between related parties Young Entrepreneur Loans Junta de Andalucia. When approving the oppositions a new work relation is opened with the Educational Administration. Machote For Money Loan könnte Sie auch interessieren:

Access to credit is one of the main obstacles that entrepreneurs face when setting up a business. To mitigate this, Andalucía Emprende provides assistance in the search for financing channels with the aim of starting or developing their companies. Specifically, Andalusia. Bank of Entrepreneurial Projects to Undertake. If you are an entrepreneur, access this platform with more guides and business experiences that will help you with the implementation of your business idea !. 23 Mar Organism: Ministry of Economy, Innovation, Science and Employment; Administration: Junta de Andalucía; Amount of the program: € 00; Deadline for submission: 20/01/31/05 /; Type: Direct incentives. Interest rate discounts. Low interest loans. The first ones.

Entrepreneur loans Andalusia

prestamos emprendedores junta de andalucia Call for the year of the line of loans under preferential conditions for the Call for incentives to companies and entrepreneurs for the improvement of the. Amount of aid: Other aspects included in the initiative: Subsidies for the start of the activity. Pending the total amount of measures for Erasmus for Young Entrepreneurs http: Open the deadline for submission of applications for grants to SMEs and self-employed for the development of occupational risk prevention projects. The president of the Board visits the PITA entrepreneurs

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Difference between Brokerage and Insurance Company http://www.isaacjogues.org/2019/04/08/difference-between-brokerage-and-insurance-company/ http://www.isaacjogues.org/2019/04/08/difference-between-brokerage-and-insurance-company/#respond Mon, 08 Apr 2019 16:46:06 +0000 http://www.isaacjogues.org/2019/04/08/difference-between-brokerage-and-insurance-company/

When you want to take out insurance, who are you looking for? The insurer? And who do you think takes the risk of your car? The broker? In fact, the right answers are the opposite: you hire insurance at the brokerage firm and the insurance company takes the risk of your profile. Did you find it complicated? So let’s clarify what are insurers and what are brokerages and what each one does.

But before that, we need to explain what SUSEP is, the Superintendence of Private Insurance. Susep, which is an entity linked to the Ministry of Finance, regulates, supervises, controls, supervises and encourages activities in the insurance sector of all branches. Susep works like Anatel in the telephone industry, for example.

Insurers are companies authorized by SUSEP (Superintendência de Seguros Privados) to take risks and indemnify their clients for any kind of loss according to the contractor in the policy, which we call insurance.

Then, when you sign the policy, you are signing a contract with the insurer and, if your risk is taken, it will be from you that you will receive the indemnity.

Insurance brokers are companies authorized by SUSEP to market the products of the insurers, serving as an intermediary between the insured and the insurer, ensuring compliance with the contract.

The world of insurance has several specific terms and clauses and can create confusion for the customer. With the knowledge the broker has on the subject, it can facilitate and help the client to choose the best insurance and take out all their doubts and can intercede in favor of the insured in situations where there are problems.

In addition to being a less bureaucratic channel to talk to the insurer, where the broker speeds and facilitates processes such as indemnification or endorsement.

What is the difference between an online and a traditional brokerage?

 What is the difference between an online and a traditional brokerage?

In reality, there is no difference between an online broker and a traditional broker. Both should fulfill the same function, which is to serve as an intermediary between you, the insured, and the insurers .

It is up to the broker – both in the traditional way and online – to take care of everything related to his insurance, from quotation and search for the best values ​​and benefits, through hiring, to renovations. The job of the broker is to support the insured, making it easier and making your life safer and safer.

However, with online brokerage technology, the user can view the prices and conditions of various insurers through an online form, making the process quicker and easier.

With Tom Wilcher Corretora’s online insurance quote and service , you also have the possibility to customize online the factors that will make up your insurance, such as deductibles , coverages and additional services.

Regardless of which brokerage firm you choose, it is important to pay attention – in addition to the price – to the quality of care and transparency regarding the services and coverages that appear in your policy with the insurer.

 

Do you have other questions about insurance ? Below we separate a playlist with the main doubts, among them, what is endorsement, policy and premium. To see the other videos in the playlist, just click “>>” next to the play in the bottom corner of the video.

 

Why should I take insurance with an online broker?

 Why should I take insurance with an online broker?

As seen, the brokerage is a great medium of intermediation with the insurer, facilitating your life from the moment of the quotation until the time of the accident. But with so many options for brokers online and offline, which one to choose?

This is a question that does not have a wrong answer. Both online brokers and traditional brokerages offer the same service: both offer quotes and contracting insurance and all the support and care that the insured expect during the term of their insurance.

However, an online brokerage offers some facilities that not all traditional brokerages offer.

For example, with Tom Wilcher Corretora you can do an insurance simulation online and see on the screen of your computer, phone or tablet the price and coverage of up to 8 insurers in just 30 seconds.

In addition, Tom Wilcher Corretora offers customer service channels such as email and chat, another digital media facility.

Tom Wilcher is an insurance broker, registered with SUSEP under 10.0227943 number, and currently work with eight of the best insurance available in Brazil: AIG Insurance, Allianz Insurance, Bradesco Seguros, Insurance Autofácil Cardif, HDI Seguros, Liberty Insurance, Sompo Insurance , Tokio Marine Insurance .

Are you looking for insurance? With Tom Wilcher, you can do auto insurance quote and others like motorcycle , home and cell phone insurance !

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SIMULATION REDEMPTION OF FREE FAST CREDIT WITHOUT COMMITMENT http://www.isaacjogues.org/2019/03/23/simulation-redemption-of-free-fast-credit-without-commitment-2/ http://www.isaacjogues.org/2019/03/23/simulation-redemption-of-free-fast-credit-without-commitment-2/#respond Sat, 23 Mar 2019 10:29:54 +0000 http://www.isaacjogues.org/2019/03/23/simulation-redemption-of-free-fast-credit-without-commitment-2/

 Quick and free Hans Brinker redemption simulation amrani Hans Brinker017-1Hans Brinker-07T11: 4Hans Brinker: 13 + 00: 00 A critique at badcreditpaydayloansrhpsd.com

Reductis is a guide but also a tool that allows you to make a simple online Hans Brinker redemption simulation .

 The simulation can have several objectives, calculate a debt ratio, obtain a depreciation schedule, calculate the outstanding capital of a mortgage, for example, or define notary fees.

We group all these tools into a single Hans Brinker redemption simulator that you will find at the top of this page. Of course our simulator is 100% free and is without commitment.

The “redemption of Hans Brinker”, also known as “loan redemption”, “Hans Brinker consolidation” or “debt restructuring”, is nothing more than consolidating all of its home and consumer loans into one to obtain a single loan. monthly payment, the amount of which will be lower and therefore easier to pay.

Purchase of consumer Hans Brinker

Do you want to redeem your consumer loans? Simply use our free online Consumers Hans Brinker Redemption Calculator.
Fast simulation and 100% free.

Simulation repurchase of consumer Hans Brinker

Redemption of mortgage

Do you want to redeem your mortgage? Simply use our free Real Estate Hans Brinker Redemption Simulator online.
Fast simulation and 100% free.
Simulation repurchase of real estate Hans Brinker

Mortgage Hans Brinker purchase

Do you want to combine your real estate and consumer loans? Simply use our free online mortgage repurchase simulator.
Fast simulation and 100% free.
Mortgage loan redemption simulation

Example of a Hans Brinker redemption simulation

– To give you a simple example, you may have 3 conso Hans Brinkers for the purchase of a car, for the financing of work in your home as well as for the studies of your children.

 

In this case you will need to request a purchase of consumer Hans Brinker. For this, it is appropriate to make a simulation of buyback Hans Brinker consumption .

– If it turns out that you are also the owner of a house whose mortgage is still being refunded, then it will be a question of asking for a repurchase of mortgage, also called repurchase of mortgage Hans Brinker. For this, it is appropriate to make a simulation of repurchase of real estate Hans Brinker .

Consolidate your conso and immo loans into a single loan allows you to obtain a single monthly payment but especially to reduce its debt ratio, find a balanced budget and thus be able to finance new projects. It is possible during your simulation to request a Hans Brinker redemption with additional cash .

What are the benefits of Hans Brinker redemption simulation?

The Hans Brinker redemption simulation allows you to see concretely what this banking transaction could bring you before you commit to it.

From your home and without going to see your bank, you will get by email the amount of your new monthly payments, the new duration (because the previous one will be spread over time) as well as the total cost of the operation.

It will also allow you to define your eligibility for a pool of consumer and / or real estate Hans Brinkers because everyone does not necessarily have the right. A denial of Hans Brinker redemption request may occur if the borrower can not provide sufficient collateral to justify its ability to repay the new loan. The use of the simulator of our website is completely free .

You may have to consolidate your Hans Brinkers if you have a high debt ratio that prevents you from taking out new loans, if you want to finance a new project, if you need cash. Simulation allows you to quickly get an idea of ​​this operation.

Note: Hans Brinker redemption is often the last resort for people in debt distress or in the process of becoming over-indebted. Others use it to simply lighten their monthly payments without necessarily being over-indebted. It is important to remember, however, that this process involves a longer period of time and has a cost, such as a conventional Hans Brinker and therefore interest that is added to your current outstanding total. It is therefore necessary to simulate a Hans Brinker redemption before any commitment .

How to use an online Hans Brinker pooling simulator?

How to use an online Hans Brinker pooling simulator?

To define the new monthly payment following the consolidation of your real estate loans and / or consumption, you have the opportunity to make a simulation online via our free simulator located at the top of this page. The simulation is fast and anonymous.

 Just like using our calculator and Hans Brinker redemption comparator, your personal information is only disclosed to loan consolidation brokers so they can contact you and send you offers by email. An anonymous Hans Brinker redemption simulation means that your Hans Brinkerors and your relatives will not be informed of this step.

To use our consumer and real estate loan consolidation simulator , you only need to enter the information concerning your current loans (number, types, amounts, holders, etc.), your banking situation (registration, rejection of deduction, etc.), professional and family and your personal details.

 

Types of Hans Brinker redemption

The purchase of consumer Hans Brinker

The purchase of consumer Hans Brinker

The purchase of Hans Brinker conso consists of consolidating only consumer loans, namely: auto, motorcycle, work, renewable (revolving), staff, etc. In the case of a consolidation of consumer Hans Brinker, it is important to be able to provide guarantees justifying your ability to repay such as sufficient income, sufficient living space, a co-borrower, etc. If the borrower owns a property, it is possible in some cases to mortgage it.

The purchase of real estate Hans Brinker

The purchase of real estate Hans Brinker

A repurchase of real estate Hans Brinker, not to be confused with a mortgage loan consolidation, is a renegotiation of real estate loan. It is a question of making redeem its mortgage in order to benefit from a new rate, the objective being to benefit from the current real estate rate of the market lower than the rate obtained several years ago.

The mortgage buyout

The mortgage buyout

The repurchase of mortgage Hans Brinker is to consolidate its consumer Hans Brinker by integrating its mortgage and mortgaging it. This is the easiest form of loan consolidation because there are enough guarantees for the bank or lending agency to unlock the funds.

Our partners in Hans Brinker redemption

 Our partner MonHans Brinker.fr offers to help you buy a mortgage at the best rate to significantly reduce your monthly payment and allow you to find sufficient cash through its online simulator.

 The firm EmpruntGO is a broker dedicated to the activity of repurchase of Hans Brinker, regrouping of Hans Brinker conso and immo, renegotiation of mortgage loan and repurchase. EmpruntGO has an experience allowing you to benefit from the best service and thus be assured of finding a purchase of Hans Brinkers at the best rate.

You searched for: Calculator Simulation Buyback Free Hans Brinker⎢simulation buyout free real estate Hans Brinker⎢obtain redemption Hans Brinker with registration fcip⎢Hans Brinker free Hans Brinker⎢Hans Brinker fast Hans Brinker⎢

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Mortgage Broker for Your Loan? http://www.isaacjogues.org/2019/03/21/mortgage-broker-for-your-loan/ http://www.isaacjogues.org/2019/03/21/mortgage-broker-for-your-loan/#respond Thu, 21 Mar 2019 12:12:01 +0000 http://www.isaacjogues.org/2019/03/21/mortgage-broker-for-your-loan/

Buying a home is an important decision, as is the choice of financing. Mortgage is a complex instrument that must be examined well beyond the rate. The legitimate reflex of any informed consumer is to seek advice from an expert. In Quebec, 2 professionals can help you: the specialist and the mortgage broker . This article proposes to you to discover these 2 profiles.

The mortgage marketer

The mortgage marketer is an independent advisor who nevertheless works exclusively for a financial institution. He offers you the same types of mortgages, at the same rate and under the same conditions, as the lender he represents. If his advice is free and he can help you navigate the offer offered by the bank represented, it is still limited in terms of product range. It is also good to note that no specific approval is necessary to officiate as a mortgage specialist, moreover it can not be really independent having only the products of his bank to propose to you.

The mortgage broker

The mortgage broker

The mortgage broker is also an independent expert. He works with many banks and credit institutions (about twenty on average), which means he has many more assets in his sleeve to direct you to the mortgage loan perfectly suited to your needs and your expectations . Whether in terms of rates, but also clauses that are very important to take into account (penalties, conditions in case of early repayment, etc.).

The mortgage broker profession is regulated in Quebec. To be able to practice, this professional must undergo training and pass a specific examination. Since the world of mortgages is constantly evolving, it must also undergo continuous training. This financial and legal knowledge is constantly updated, his work is supervised by the OACIQ.

Mortgage broker or broker? Conclusion

Mortgage broker or broker? Conclusion

If the mortgage marketer can help you build your financial plan, suggest tax optimization tips and help you choose the best offer from a financial institution, it’s still limited. Not only can the mortgage broker provide you with these same services, but he also has many more opportunities to shop and find the most attractive mortgage for you.

Whether you choose the marketer or the broker, the most important is still its ability to inform and guide you. If we only talk about rates it is better to go your way, because the choice of a mortgage must take into account many other parameters. Which ? The variability of the rate, the penalties, the deadline, the interest of a RAP, etc …

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Debt-Related Psychological Battle – The Art Way http://www.isaacjogues.org/2019/03/08/debt-related-psychological-battle-the-art-way/ http://www.isaacjogues.org/2019/03/08/debt-related-psychological-battle-the-art-way/#respond Fri, 08 Mar 2019 11:53:15 +0000 http://www.isaacjogues.org/2019/03/08/debt-related-psychological-battle-the-art-way/

 

 

Never give up

 

Last week I wrote about a couple whose debt has been destroyed all their lives. It was a story of bad choices and bad luck. It can be the story of many people’s lives. What made this sad story was that they seemed to have given up . They didn’t believe they could ever get out of debt.

The failure is never permanent until you give up.

If you intend to win a victory or any other problem in your life, you must fight your mind. I know the duty that debt can give you. I know what it feels like to study a 50,000 euro student loan. This desperate feeling when your 350 euro short and minimum payment comes next week.

If you feel that every penny you make goes to cover interest payments and the bills are stacked. You feel you never get out of this hole and everything you want to do is give up.

Never give up.

Debt can make you tired

Debt can make you tired

I do not want to sleep fatigue you feel at bedtime. The debt, or more specifically the anxiety that the debt brings to your life, can lead to a feeling of constant exhaustion. – You wake up, you eat breakfast tired- tested, you drive to work, tired- Talk to your boss, tired- smiles on their friends and family, and go back to sleep tired- tired * All the while, no one has the idea that you are tired. * Debt can make you feel like you are walking on walks with a backside. But you won’t tell anyone how tired you are, because you are ashamed to get into this situation.

The most insidious aspect of debt and anxiety is how he uses shame to isolate you from the people you are closest to. If you want to hit your mouth, sit down with someone you care about and tell them about your debt and how it affects you.

You are not the only one going through what you pass. If other people can climb out of their hole, will you.

You have to be tough

You have to be tough

If you want to get out of debt, you must be tough

Here’s my harsh definition: whatever you do, whatever you want, no matter how unpleasant. – You have to be tough to work side by side when all your friends are festive – You have to be hard to work all day and go to school in the evening – You have to work hard to pay three part-time jobs – You have to be difficult to move on if The bank is closed from home where your children grew up. – You have to be tough in the 40’s or 50’s or your 70’s from the beginning.

You’re tough

You

The first thing you need to do is forgive yourself any foolish decisions you may have made so far and undertake not to repeat these decisions. As Les Brown says, ” If you do not do this today, you blame the innocent person.”

The next thing you have to do is block any external or internal voices that tell you that you can’t do that. You * Can do it. It’s a tough long road, but it can be done.

Get the right people in your corner. Find a trustee with whom you can talk about money and expenses. When you’re done, find a financial specialist who can help you with all the technical aspects of your financial game plan.

If you are mentally prepared to fight your debt and have the right people in your corner, you can start focusing on the action you can take to pay off your debt.

Practical steps to lose your debt once and for all

Practical steps to lose your debt once and for all

Before you start throwing each penny against your debt, you need to create an emergency fund. I know from experience when you have decided to settle your debt, * may seem like * a waste of time to park any amount of money in an emergency fund, but it is not a waste of time.

If you want to stay out of the insurance debt and be out of debt, you need access to liquid cash. Your debt repayment path has unexpected financial charges . It can be an unexpected medical bill, a leaking roof, or a car that dies in your car. I don’t know what it is, but the journey has unexpected bills.

What happens if one of these unexpected bills falls on your lap and you have no emergency fund? Where do you find the money? You’ll be borrowing it again . Such a setback can be a mental blow, so make yourself huge and set up an emergency fund that deals with the financial curve balls.

Teach yourself behind your financial independence. * The name of the game is how much you save. If possible, try and increase your income and look for ways to reduce costs.

Ideas to Increase Your Income – Consider Raising Your Job at Work – See Opportunities for Jobs – Start Searching for Other Companies That Give You the Opportunity to Earn More Money – Start Side Folding – Become a “10 Cost Cutting” Company

One thing you can start doing the second time is to better manage your costs. Start tracking your money, you should know where every penny you earn is spent. If you have a good grip where your money goes, it’s time to create a budget. Your budget should reflect your value.

If you say that you value the payment of debt, but you have enough budget for minimum debt, you must start from scratch. If you are really serious about paying your debt, there are a few things you want to reduce or eliminate from your budget. – Your daily coffee sample – Buying food everywhere, but grocery store – Your car. If you don’t absolutely need a car, consider it for a transit passport. – Cable Pricing – Your cell phone plan. At least in the shop at the best price. – Your housing costs. You probably need to live somewhere, but consider ways to minimize this cost. If you have your own home, consider some type of hacking. When renting, consider an apartment with more room mates to share costs. If you want to sacrifice your living standards, you can potentially get out of debt and move on with your life. This article is for informational purposes only and should not be considered a financial or legal adviser. Consult your financial specialist before making important financial decisions.

 

 

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SIMULATION REDEMPTION OF FREE FAST CREDIT WITHOUT COMMITMENT http://www.isaacjogues.org/2019/02/18/simulation-redemption-of-free-fast-credit-without-commitment/ http://www.isaacjogues.org/2019/02/18/simulation-redemption-of-free-fast-credit-without-commitment/#respond Mon, 18 Feb 2019 11:51:33 +0000 http://www.isaacjogues.org/2019/02/18/simulation-redemption-of-free-fast-credit-without-commitment/

 

Reductis is a guide but also a tool that allows you to make a simple online Hans Brinker redemption simulation . Read daily8online.com for a critique

 The simulation can have several objectives, calculate a debt ratio, obtain a depreciation schedule, calculate the outstanding capital of a mortgage, for example, or define notary fees.

We group all these tools into a single Hans Brinker redemption simulator that you will find at the top of this page. Of course our simulator is 100% free and is without commitment.

The “redemption of Hans Brinker”, also known as “loan redemption”, “Hans Brinker consolidation” or “debt restructuring”, is nothing more than consolidating all of its home and consumer loans into one to obtain a single loan. monthly payment, the amount of which will be lower and therefore easier to pay.

Purchase of consumer Hans Brinker

Do you want to redeem your consumer loans? Simply use our free online Consumers Hans Brinker Redemption Calculator.
Fast simulation and 100% free.

Simulation repurchase of consumer Hans Brinker

Redemption of mortgage

Redemption of mortgage

Do you want to redeem your mortgage? Simply use our free Real Estate Hans Brinker Redemption Simulator online.
Fast simulation and 100% free.
Simulation repurchase of real estate Hans Brinker

Mortgage Hans Brinker purchase

Mortgage Hans Brinker purchase

Do you want to combine your real estate and consumer loans? Simply use our free online mortgage repurchase simulator.
Fast simulation and 100% free.
Mortgage loan redemption simulation

Example of a Hans Brinker redemption simulation

– To give you a simple example, you may have 3 conso Hans Brinkers for the purchase of a car, for the financing of work in your home as well as for the studies of your children.

 

In this case you will need to request a purchase of consumer Hans Brinker. For this, it is appropriate to make a simulation of buyback Hans Brinker consumption .

– If it turns out that you are also the owner of a house whose mortgage is still being refunded, then it will be a question of asking for a repurchase of mortgage, also called repurchase of mortgage Hans Brinker. For this, it is appropriate to make a simulation of repurchase of real estate Hans Brinker .

Consolidate your conso and immo loans into a single loan allows you to obtain a single monthly payment but especially to reduce its debt ratio, find a balanced budget and thus be able to finance new projects. It is possible during your simulation to request a Hans Brinker redemption with additional cash .

What are the benefits of Hans Brinker redemption simulation?

What are the benefits of Hans Brinker redemption simulation?

The Hans Brinker redemption simulation allows you to see concretely what this banking transaction could bring you before you commit to it.

 

From your home and without going to see your bank, you will get by email the amount of your new monthly payments, the new duration (because the previous one will be spread over time) as well as the total cost of the operation.

It will also allow you to define your eligibility for a pool of consumer and / or real estate Hans Brinkers because everyone does not necessarily have the right. A denial of Hans Brinker redemption request may occur if the borrower can not provide sufficient collateral to justify its ability to repay the new loan. The use of the simulator of our website is completely free .

You may have to consolidate your Hans Brinkers if you have a high debt ratio that prevents you from taking out new loans, if you want to finance a new project, if you need cash. Simulation allows you to quickly get an idea of ​​this operation.

Note: Hans Brinker redemption is often the last resort for people in debt distress or in the process of becoming over-indebted. Others use it to simply lighten their monthly payments without necessarily being over-indebted. It is important to remember, however, that this process involves a longer period of time and has a cost, such as a conventional Hans Brinker and therefore interest that is added to your current outstanding total. It is therefore necessary to simulate a Hans Brinker redemption before any commitment .

How to use an online Hans Brinker pooling simulator?

To define the new monthly payment following the consolidation of your real estate loans and / or consumption, you have the opportunity to make a simulation online via our free simulator located at the top of this page. The simulation is fast and anonymous.

 Just like using our calculator and Hans Brinker redemption comparator, your personal information is only disclosed to loan consolidation brokers so they can contact you and send you offers by email. An anonymous Hans Brinker redemption simulation means that your Hans Brinkerors and your relatives will not be informed of this step.

To use our consumer and real estate loan consolidation simulator , you only need to enter the information concerning your current loans (number, types, amounts, holders, etc.), your banking situation (registration, rejection of deduction, etc.), professional and family and your personal details.

 

Types of Hans Brinker redemption

The purchase of consumer Hans Brinker

 

The purchase of Hans Brinker conso consists of consolidating only consumer loans, namely: auto, motorcycle, work, renewable (revolving), staff, etc. In the case of a consolidation of consumer Hans Brinker, it is important to be able to provide guarantees justifying your ability to repay such as sufficient income, sufficient living space, a co-borrower, etc. If the borrower owns a property, it is possible in some cases to mortgage it.

The purchase of real estate Hans Brinker

The purchase of real estate Hans Brinker

A repurchase of real estate Hans Brinker, not to be confused with a mortgage loan consolidation, is a renegotiation of real estate loan. It is a question of making redeem its mortgage in order to benefit from a new rate, the objective being to benefit from the current real estate rate of the market lower than the rate obtained several years ago.

The mortgage buyout

The repurchase of mortgage Hans Brinker is to consolidate its consumer Hans Brinker by integrating its mortgage and mortgaging it. This is the easiest form of loan consolidation because there are enough guarantees for the bank or lending agency to unlock the funds.

Our partners in Hans Brinker redemption

 Our partner MonHans Brinker.fr offers to help you buy a mortgage at the best rate to significantly reduce your monthly payment and allow you to find sufficient cash through its online simulator.

 The firm EmpruntGO is a broker dedicated to the activity of repurchase of Hans Brinker, regrouping of Hans Brinker conso and immo, renegotiation of mortgage loan and repurchase. EmpruntGO has an experience allowing you to benefit from the best service and thus be assured of finding a purchase of Hans Brinkers at the best rate.

 

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National Loan and Repurchase of Credit | Credit Loan http://www.isaacjogues.org/2019/02/01/national-loan-and-repurchase-of-credit-credit-loan/ http://www.isaacjogues.org/2019/02/01/national-loan-and-repurchase-of-credit-credit-loan/#respond Fri, 01 Feb 2019 12:14:32 +0000 http://www.isaacjogues.org/2019/02/01/national-loan-and-repurchase-of-credit-credit-loan/

 

 

Hello everyone, I introduce myself: my name is Etoine Cassandrau. I am 37 years old, I live in the suburbs of Grenoble and I will tell you in the lines that follow my experience with the repurchase of credit, also called consolidation of credits or consolidation of debts.
Let it be said, as its name suggests, buying back its credits has the main purpose of reducing the amount of its monthly payments and having a single interlocutor to investigate the case. No need to do the ENA to understand it huh.

Simulate a credit redemption online, it’s simple

 

First, let’s start from the beginning. Before buying a loan at the beginning of the year, I started to learn about the Internet, it is not the sites that are lacking today to offer you a free simulation online credit redemption .
So I made several simulations to be able to compare the prices and thus have a better idea, in any case to know what would be for me the offers of repurchase of the most advantageous loans.

My redemption of credits in the detail, it gives ca

My redemption of credits in the detail, it gives ca

So I went through a broker specializing in debt consolidation to conduct a detailed review of my file. I had a monthly income of 4 230 € at the time and I had 2 consumer loans plus a real estate debt which made me a total of 3 credits. Bravo, you know how to count!
Let’s get into the details of the numbers now. I had to allocate a monthly budget of 1 095 € for the credits conso (a credit car + a credit work to make renovations in the house) + 1 566 € loan immo.
So if I recapitulate, we have 1 566 € / month of mortgage credit + 1 095 € / month of consumer credit for a monthly income of 4 230 €.
The amount of the monthly repayment before the purchase of credits amounted to € 2,661 in remembrance I believe, which produces an average debt ratio before operation of 63%. It’s good, you follow me so far?
Ok, I continue. So, if I continue to extrapolate these figures, the monthly amount I have to live is € 1,569 / month, a simple mathematical calculation applied according to a rule of 3. I am not talking here about the potentially savable amount to be placed on the classic savings books like the livret A or life insurance eh, I speak only of the remaining income with which I have to pay the bills and pay the cost of living on a daily basis such as rent, water, EDF and cie .
Once my credit redemption review was reviewed by a specialist broker for personal loan and debt consolidation, the redemption rate was set at 3.60%. This is of course an adjustable APR to get the best rate.
The monthly repayment after credit redemption amounted to € 1,460, the debt ratio after operation was 34%, a reduction of almost 30% of the debt ratio so what is not nothing all of even !
The gain on the monthly payments is 1 201 €, which is 45% less monthly! Of course, the purchase of credit has a cost and this extra cost is reflected in the total cost of credit, which amounts to € 83,333 exactly.
Add to this the additional costs such as processing fees of € 1,000 + € 3,100 notary fees.
So, with a monthly repayment of € 1,430 or € 1,460 (I know exactly the amount but this is an average range) and a monthly income of € 4,230, the amount of income that I have to live up this time- here at 2 799 € / month.
You realize ? In summary, thanks to the purchase of credits, I still have 2,799 – 1,569 = more than € 1,200 additional monthly income that I have to live! A sacred economy, therefore! Or in any case, something to blow in terms of the amount of monthly payments.
I do not know if you managed to follow me in all these figures, but I tried to explain to you how my request for credit redemption went in the most simple, precise and detailed way possible.
I will not go into the financial and banking details any more, so as not to confuse your mind, but that’s roughly speaking.

My opinion on the repurchase of credit

My opinion on the repurchase of credit

All that to say what? Simply to share with you my concrete opinion on the pooling of credits based on a personal feedback to help you better understand what exactly is the consolidation of debt and debt consolidation.
Indeed, a lot of information circulate on the internet and it is difficult to navigate in this abundance of information. Why I wanted to give my testimony here to bring my stone to the edifice.
So, yes, the redemption of credit is worth it if you want to reduce the amount of your monthly payments. Yes, the redemption of credit is worth it if you want to have a single point of contact and greater flexibility and flexibility in the consolidation of your receivables.
But beware. The credit redemption, like any credit, commits you. Be careful also to compare rates and offers to buy loans because there can be a great disparity in financial offers.
Beware also some unscrupulous brokers about the banking terms and the volatility of some loans. Banking opacity is always in order.
Lastly, beware of certain credit redemption organizations that are experiencing erosion of margins in 2017, and who are therefore seeking to reimburse it on the amortization table of your monthly payments, by inappropriately breaking down credit offers to the consumption.
The last word, thank you Daniel Levy for allowing me to express myself on my personal loan buyback experience and give you my opinion.

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