The repurchase of credit is an operation perfected for the regrouping of your credits in progress in order to lighten your monthly payments and to give air to the management of your monthly income. Your lender will ask you for details about your situation and that of your existing loans. Knowledge of the various useful documents will make your tasks easier and speed up the implementation of your credit buyback contract. In addition, the call to an intermediary is more reliable to ensure the study of your files.
The files to provide for your contract
Regarding personal information, your creditor will ask you to send him your civil status document including a copy of your identity document, your family book and your marriage contract as well as proof of address. A copy of the divorce decree will be useful for divorced people. For tenants, the last three receipts will also be useful, a copy of the act of purchase is necessary for borrowers in possession of a property.
Regarding your loans to consolidate, a debt rate including amortization schedules will be requested by your lender, this may vary depending on the type of your current loans. It is of crucial utility that your creditor takes into account your repayment capacity, so you had to include your last three payslips as well as a copy of your employment contract in your documents.
Use a broker to build a solid case
During the preparation of your documents for the repurchase contract of credit, you should consult a broker to know if there are other documents to provide in the case of your request and vis-à-vis the state of your existing loans. He will be able to inform you in case documents are missing.
A broker is responsible for studying your situation and the case of your credits to be grouped together and advising you on what you need for the profitability of the credit buyback contract, this includes the choice of your lender and the questions of insurance as well as the other necessary files in case of need.