Credit redemption is for all types of profiles and situations. However, it is necessary to take into account certain criteria and certain parameters when setting up the loan repurchase case, and in particular the professional situation. Indeed, depending on his professional situation at the time of the credit redemption, the conditions of the new financing may be different from one arrangement to another:
Repurchase of credits by being on NNC
Being on a fixed-term contract is not prohibitive for obtaining a purchase of credits. Debt restructuring is possible for many situations and loan redemption files that present a borrower on fixed term contracts are simply studied carefully to better appreciate the contours. Learn more about buying back credit on NNC .
Purchase of credits and unemployment
With one or more credits in progress, the loss of employment can quickly create many problems, in particular in the repayment of the deadlines of the credit (s). And income related to unemployment benefits is not enough for banks to accept a buyback credit. Some solutions exist nevertheless. Learn more about credit redemption and unemployment.
Purchase of credits for artisans and tradesmen
Although craftsmen and tradesmen can not be the subjects of an over-indebtedness procedure, solutions exist to obtain a purchase of credits for craftsmen and traders. The most important point here: the economic and financial situation of the company. Learn more about buying back credit for artisans and traders.
Repurchase of appropriations for officials and similar
To be an official or assimilated is to be subject to a special regime. Public service employees and like-minded employees are rather well liked by banking institutions, because of the security of employment. A loan buyback operation therefore normally takes place, whether the borrower is a state employee, a local authority or a public company. Learn more about the redemption of official credits.
Purchase of credits for the liberal professions
Because of the heavy burdens on their incomes, the liberal professions can see them fluctuate from one year to the next. If a redemption of credits is necessary due to excessive indebtedness, only personal debts will be financeable. Learn more about the purchase of credits for liberal professions .
Repurchase of credits at retirement
With a decline in retirement-related income, retired borrowers may have difficulty repaying their loans. The purchase of credits at retirement is an effective way to offset this decline and find a balanced budget. The main difficulty lies in the duration of the new loan. Learn more about credit redemption and retirement .