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Changing banks or not if loan consolidation?

Is what to chager bank by making a purchase credits? According to Andre

Bacchetta, change bank has no connection with the redemption of funds, but it all depends on your choice if you find better elsewhere than in the banker or your banker offers you the best offer to buyout funds.

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Secrets to minimize your costs up credit

This video reveals some steps to follow to save money on your credit application:

Choose a fixed rate, (A concrete example of that board in the second video bottom)
Feel free to negotiate ;
insurance cheaper elsewhere than with the banker;
Read the terms, especially the fine print at the bottom of the page of the contract;
Pay attention to the words used in the contract;
Beware if you see tenders accompanied with gifts;
Beware of small monthly payments, this is not the indicator that the credit will cost you less

See explanations in detail about the video




This video presents a If offered credit at a variable rate which put a family in need.

must always opt for a fixed rate to avoid the risk of a surprising rise in interest rates in the future

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main purpose of the redemption of money for the borrower

The main target of the redemption of those credits is that have contracted several different votes for different projects and can be from different banks. These borrowers pay monthly repayments for various different loans in question, then the principle of debt consolidation is simple: pay one amount smaller than the different amounts of reimbursement is much better for the same borrower if the term of new credit (bringing others) is longer in time. In short, the aim of buying back loans is to reduce the monthly payments.

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Some advice before entering into a buy credits

This video shows you some useful tips to consider before taking out a credit retrieval.

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Who is buying back credits?

course redemption of credits is a service offered by banks, there is nothing to make it a true management tool by taking advantage of its benefits especially in reducing the monthly payment to pay.

For more debt or those who are in repayment difficulties, I would say that for them the purchase of credits is no longer a need to make a choice within a framework of managing their budget.