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Over-indebtedness: what is the FICP file?

Over-indebtedness: what is the FICP file?

    Entering the national file of loan repayment incidents occurs in the event of non-repayment of a loan. It is then impossible to borrow for a period of five years or until the incident is resolved. To avoid a situation of over-indebtedness, a credit redemption makes it possible to group the various credits by lowering the amount of monthly payments. What is the national file of personal credit repayment incidents? The FICP is a listing of the Banque de…

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Rental investment and loan insurance: a lever to consider?

Rental investment and loan insurance: a lever to consider?

According to a study by Housemot, the leading online property manager, it takes an average of 25 years for Paris to make a real estate investment profitable. A figure that varies from single to double depending on the boroughs of the capital! The delegation of insurance is a lever that reduces the total cost of a rental purchase and therefore the time to return on investment. A noticeable difference according to nearby metro stations The study by Housemot very precisely…

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Quick Credit for a Wedding – Why not?

Quick Credit for a Wedding – Why not?

The organization of a wedding is an activity that brings together feelings and desires. Although nobody can say exactly how much it will cost. But the bigger the dreams and the requirements, the more money will have to be available. Some people choose not to celebrate, they are limited to a “civil firm” and a modest meeting with friends and family. Part of them later regrets, for a long time, that their family life has not begun as in dreams…

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How do you get a loan despite a warrant?

How do you get a loan despite a warrant?

It is no wonder today that people with debts often try to get a loan. There are also enough potential creditors who are interested in the loan despite the arrest warrant. They are interested because they think that the new loan can be used for partial debt repayment. A loan despite arrest warrant is very rarely possible, because with a warrant the creditworthiness is lost. An arrest warrant is always issued to force a debtor to give the affidavit. Thus,…

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Credit purchase: conso or hypo, which solution to choose?

Credit purchase: conso or hypo, which solution to choose?

    There are two types of repurchase of credit (redemption of all or part of your loans to pay then only one monthly payment): the repurchase of credits conso and the repurchase of credit mortgage. The Credither Guide explains the differences between these 2 repurchase transactions. Repurchase of consumer credit and mortgage repurchase, what differences? To begin, let’s go back to the objectives of these two operations. As its name suggests, the consolidation of consumer loans aims to consolidate…

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Credit redemption: what is the difference with the renegotiation of mortgage loans? | Debt consolidation

Credit redemption: what is the difference with the renegotiation of mortgage loans? | Debt consolidation

The repurchase of credits and the repurchase of mortgage loan… The two expressions seem similar, but are nevertheless quite different. Small focus. The principle of buying back credit… Also called consolidation loans, debt restructuring or refinancing, credit redemption is to redeem its loans and debts (tax delays, overdrafts) to not pay a single monthly payment. Interest? By paying a single monthly payment, your debt ratio decreases. You thus find a new budget capacity and can thus invest in a new…

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Mortgage loan buyback, loan renegotiation, what differences?

Mortgage loan buyback, loan renegotiation, what differences?

Takeover of mortgage credit and repurchase of mortgage… At first glance, it is a single operation and yet, they are 2 different financing solutions. The Credit Guide explains the differences. The credit redemption, Medafo? To start, a definition: what is the credit redemption? This operation allows to group all or part of the credits and debts to pay only one monthly payment. Say you have to pay back several monthly payments (mortgage loans, consumer loans, tax delays, bank overdrafts). At…

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How to Get a Good Credit Score?

How to Get a Good Credit Score?

Dear reader, today we will decipher a greater mystery than the inexplicable eternal youth of Maribel Guardia. That’s right, today we will tell you how to get a good Credit Score from scratch. But before that, why would you have to worry about having a good score? For a simple and simple reason: sooner or later, whether you like it or not, you will need to get a loan, whether to buy a house, buy a car or start a…

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