Can we buy back a loan buyout?

In the current economic situation, it is possible and interesting to think of a repurchase of credit, that is to say, to make regroup or to repurchase your loan having already been restructured in the past.

A borrower having carried out a repurchase of credit in the past can again use this operation to redeem its financing in order to benefit from new repayment conditions, whether it is to reduce its monthly payments, to renegotiate the rate or even to add an amount assigned to a new project.

Nothing prevents a borrower from repurchasing his loan repurchase several times, the most important being for him to regain financial balance and to be able to honor his debts in good conditions. Moreover, more and more borrowers are using the buyout of a grouping of credits to preserve the repayment of a single loan and therefore preserve the simplification of the budget.

 

Redeeming a loan buy-back: how does it work?

Redeeming a loan buy-back: how does it work?

The operation of a loan repurchase redemption remains relatively simple, it is identical to the first credit repurchase.

That said, since there is only one lender to repay, the procedures are faster and less burdensome for the borrower. Good to know, a credit institution can also buy back the credit buyout that it had proposed itself, subject to acceptance by the latter.

It is, therefore, enough to establish a request with an organization specialized in the repurchase of credit, the presence of a first operation is not a criterion of refusal for the banks, they take into account the situation and its evolution to propose then tailor-made financing, perfectly suited to the repayment capacities of the household concerned.

 

Redeem a grouping of credits: is it the same?

Redeem a grouping of credits: is it the same?

Rather, the grouping of loans is intended to reduce monthly payments, which very often leads to an extension of the repayment period and therefore a possible increase in the total cost of credit. It is also possible to buy back a group of loans since this financing is based on credit legislation, either a consumer or real estate.

For the financing to be accepted, it suffices to fulfill the criteria required by the banks, in other words, the absence of filing, a debt ratio of less than 50% and a reminder to live sufficiently. A request is necessary from specialized credit institutions to ensure the feasibility of the request.

 

How to apply for redemption of a loan repurchase?

loan repurchase

The process is very simple, you just have to fill in the simulation form, the same as for a classic credit buy-back request. The form is suitable for both types of requests. At the stage of credits in the process of repayment, it suffices to enter the amount of the initial loan repurchase, which will allow an estimate of the new proposal to be obtained.

Good to know, this request is completely free and without obligation. Nothing commits the borrower to inquire and obtain a feasibility estimate.

Funding and loans for freelancers 2020

Loans and loans for freelancers bad payers or protests 2020

Loan for freelancers : who is it for?

Loan for freelancers : who is it for?

The question seems trivial but it is not so. Often freelancers are confused with the self-employed because between the two there are some common things such as being a VAT holder, being independent, that is, without a bond of subordination to third parties, they have billing and tax obligations in general. But what distinguishes the freelancer from the self-employed is that in the former the intellectual component of work prevails, while in the latter the manual component. Freelancers, by way of example but not limited to, are financial advisors, tax advisors or accountants and accountants, doctors, architects and lawyers, all of them, provided that they have their own private practice. Freelance journalists or artists such as painters, sculptors etc. are also to be considered freelancers. Once the category has been identified, let’s move on to financing for freelancers by 2020 or the type of documents you need, the requirements and what forms of credit you can access if it has been reported.

Loans to freelancers : what are they and how to indicate them?

Loans to freelancers : what are they and how to indicate them?

We indicate above all the “normal” loans and, sorry for the mention of “normal” as written only to differentiate those loans intended instead for those who have had payment problems and of which we will tell later … So, requirements and documents to prepare: these are the usual documents and the usual requirements or personal identity documents, the single model (or 740) or rather the single models, which, based on the bank or financial institution to which you apply, may be related to the last 2 or 3 years of activities, including receipts for payment of taxes and duties as well as any guarantees (guarantees we will say later). NB: Why are certificates of tax payment requested? The answer lies in the fact that the tax debts are privileged credits therefore, if they are not paid, the taxman will take precedence (the legal privilege) in aggrading the debtor’s assets with respect to the personal loans which are unsecured. Once this is specified, let’s see how we can get the best loan for freelancers or subsidized ones.

Subsidized loans for freelancers : What are they in 2020?

Subsidized loans for freelancers : What are they in 2020?

We certainly cannot tell you which banks and / or financial institutions offer discounts to freelancers as they are offers that vary over time. However, one thing is certain: the most useful move to make is to apply to the membership order which is likely to have entered into agreements with primary institutions in order to offer benefits in favor of its members also in 2020. It is understood that the concessions usually concern a reduction in the cost of money compared to the average (lower rate). While if you are looking for non -repayable loans for freelancers , let’s say now that non-repayments are aimed at those who want to start a new business or for those who are already started but only to buy capital goods: in other cases, the concessions ” will always “fall on the lowest interest rate. For now, let’s close with loans for young professionals where we mean those who have recently started their freelance profession. Well, the problem of these, usually, is that of having a low volume of business, which affects, how much, on the quantity of the loan disbursed. A first solution may be that of 15-year personal loans and banks that make them. It is understood that the above solution can be requested by any freelancer, therefore, not necessarily young.

Loans to bad paying freelancers : is it possible and how to get them?

Loans to bad paying freelancers : is it possible and how to get them?

Let’s say immediately that in the concept of a freelance bad payer we must also include those of protested and distrained as the alternative systems (guarantees) to give credit to the aforementioned negative reports are the same. The first of these guarantees, requested, sometimes, even without being reported, is that of the classic third party guarantor . Then, there are a series of guarantees that bad pay freelancers can exploit when needed: a series of assets that can be mortgaged or that can be pledged. We have indicated them very generically, but it is possible to deepen them on loans for reported crypts. We end with what is par excellence the financing granted to all bad payers: the loans changed for freelancers . For this purpose, we suggest that you go to loans with bills of exchange and who makes them in 2020 where you will find precise indications on who makes loans through bills of exchange given as collateral. Related: Loans and Loans for Protestants

Some characteristics of the private loan

For those who are thinking about requesting a bank loan and are not sure if they can get it, they should take into account some characteristics of the private loan. This allows us to apply for credits without having to provide so many documents or meet too many requirements. This is money from private investors that these private equity companies make available to customers through personal loans.

Characteristics of the private loan

Characteristics of the private loan

Some of the characteristics of the private loan are that it is possible to obtain a sum of money in less time than usual; In the case of our private lender company, we can offer credits and have them available to the user in less than 72 hours, as long as we have been able to receive the necessary documents at our offices. Regarding this, we must add that the number of papers is much less than that which any bank may require.

Among the advantages of these particular loans from lenders, is that only the guarantee of a property is necessary, in our company we can allow clients to guarantee these loans with goods of various kinds, not only of a real estate nature. Private equity loans can be guaranteed with apartments, vehicles, art collections, etc. As long as they are not jewelery, we allow users a wide range of options so that they can benefit from our private capital loans.

We must point out that the real estate properties that are guarantees of our private capital loans must meet a very important condition, be totally free of charges or mortgages and in this way the flats, houses, premises, etc. can be valid. We do not accept plots, plots or land since these properties are usually subject to multiple variations in their prices and therefore are not acceptable guarantees.

Private and private lenders

Private and private lenders

Our company is made up of private and private lenders and we have extensive experience and knowledge in the real estate and financial fields, we can carry out feasibility studies that are completely free for the client and these analyzes allow us to determine with greater certainty the possibilities that the consumer has to apply for any of our private loans.

The official appraisal 

The official appraisal 

In our company, we always try to take care of the maximum amount of possible procedures, this allows us to speed up the procedures. We can also carry out the official appraisal of your home, as long as it is a guarantee of our credits. This appraisal will be carried out at a cost that is economical for the client.

Finally we want to let you know that our company is regulated by the Ministry of Health and Consumption and all the agreements that we carry out are signed in the presence of a notary, this professional attests to everything that is revealed in the sheets of the contract and signatures can be made anywhere in Spanish territory, so that the client does not need to travel to sign.

Finally, after having exposed some characteristics of the private loan, we want to say to the client that our company offers the utmost seriousness, solvency and speed when it comes to carrying out our money concessions.