What partner to choose to carry out a debt consolidation loan?

Published on : 18 March 20204 min reading time

When looking for financing to carry out your personal project, credit is essential. In most cases, organizations that lend money begin by analyzing the borrower’s profile before giving in to his or her request. With individuals who have a stable job, accessing this type of request is simpler. But for people who are already retired or who have just lost their jobs, almost all financial companies refuse their requests. That said, for individuals who are victims of a drop in income, getting a loan becomes more difficult. In this case, in order to recover a better borrowing capacity, credit repurchase or credit consolidation remains the only solution. However, the assistance of a broker known in the field is needed. Here are some tips to help you find the ideal partner.

Choose a broker who listens and understands

Be aware that the broker’s primary role is to assist you when you make the request. They provide you with advice and guidance. They also act as an intermediary between you and the financial institution. You must choose him carefully, because the possibility of financing your project depends on him. To begin with, choose a mortgage repurchase partner who is attentive to your needs. In fact, one of the first things you need to take into account in finding a good broker is the understanding between the two of you. For example, you can refer to his availability. A broker who is an expert in credit bundling and whom you can’t reach is not considered reliable. That said, he does not take his job and his commitment seriously. Follow the website www.credigo.fr to find out the advantages of relying on a specialist who listens to you.

Note that a credit redemption brokerage expert should never pass judgment on the financial situation of each of his clients, regardless of the circumstances. He must remain objective, and his role is to give the best advice so that the request is easy. He becomes the intermediary who is at the same time your first ally in defending your file. Indeed, his objective is to guarantee you the right conditions when you buy back your loan.

Credit consolidation requires experience

A request for a credit repurchase requires the skills of an intermediary with years of experience. Therefore, when you are looking for a good partner, choose one who is experienced. Brokers who specialize in this area are becoming more and more numerous on the market. That said, the choice can take time. Some of them can certainly exude professionalism just by their appearance. On the practical side, they may not be too reliable. To avoid unpleasant surprises, don’t hesitate to ask them about their experience in the business. Your defendant should give you some indication of his experience. If you still have doubts, do not hesitate to check whether he is registered with ORIAS. Every intermediary who is recognised has a registration number and must comply with the rules in force.

At the same time, a true professional must also have a civil liability insurance. On the Internet, you can choose between an independent broker and a broker who is part of a brokerage network. In both cases, you run the risk of dealing with amateurs. To avoid this, also get into the habit of asking the advice of others.

A broker who offers a free or paid service?

Most experts who specialize in loan brokerage conduct their negotiations and study the competition. For banks, they play the role of business introducers. That said, they are professionals who are paid by the bank. Having said that, a broker can offer a free service to its clients. There are also intermediaries who work according to the average of their fees. The cost varies according to the type of support, negotiation, etc. You should not rely on these fees because the work of a defendant remains the same. You can compare the offers with a credit buyback simulation.

How to apply for a bank loan?
Get a home loan at the best rate

Plan du site