Of what does the credit reunification consist?
The credit reunification works like a refinancing, and as we have already explained in other articles belonging to our place, this financial service is applied for those persons to which accumulated too many credit debts to him and they need of a help to be able to pay them. The credit reunification consists of grouping all the debts in only one debt as mortgage credit. Generally the credit reunification, as other types of refinancing, gathers together like a mortgage credit because precisely on the financial market, the credits that more benefits possess are these themselves; this owes to his casualty money-market rate and the long period in which they can be reimbursed.
In this sense we can say that the credit reunification can do in 60 months to 2 % annual of interest, and if we put ourselves to analyze these numbers compared to the interests and the period of the carried away debts, we will realize that the credit reunification really does the difference.  Many people decide to do without the credit reunification and take the initiative to improvise its own reunification by means of on request of we give personnel, but it is important that we bear in mind that this can result in a really serious financial error. On the one hand probably we will manage to cancel our previous debts, but we will do it at the cost of contracting a debt even major than the initial.
This debit to which the personal loans are those who have major interest and those that shorter term they possess for his return, therefore, must remain completely discarded by the debtor, the idea of paying all his debts by means of a personal loan. Many financial companies usually receive the credit reunification like an additional service, but in case we request the credit reunification in the same company where we request the credits that run into debt probably they will grant it to us without any type of additional cost; the problem that appears in this case is that in general, it is not a good idea to obtain the credit reunification by means of the same financial company since it does not prove nafa well for the credit handbook of a person to ask for a credit reunification the same company that owes the money to him, therefore it is advisable that is appealed to other one. Anyhow this stays to criterion of the debtor.
Bank credit reunification
 On the other hand also there exists the opportunity to request a credit reunification a banking institution, it is necessary only to bear in mind that these are slightly more strict at the time of granting a refinancing without mattering of that type is the same. Anyhow, the banks usually devote themselves more to the reunification of mortgage credits, therefore if one treats debts for credits you present yourself, then it will be seen in the obligation to have to hire the services on the part of a financial company. Since well we have said the credit reunification it takes the form of a mortgage loan, and this one is not shaped only by the carried away debts, but also, in the credit reunification, there are included the quotas that owe to cancel the mortgage of the housing where the debit person resides, in case it possesses one.
Although the credit reunification grants us all kinds of benefits, it is all forms necessary to have planned of that way they go to be paying the quotas of the same one. This is due to the fact that generally these quotas represent 30 % of the entire, monthly income, of the debtor.
This administration of the payments for the reunification of not alone credit must apply itself for these cases, since the ideal thing would be that whenever a credit is requested. Or, contract a debt be already for the non-payment of the credit card or some financial service, it is always better to have all planned and administered in a correct way to avoid to come to the instance of needing to resort to the credit reunification. It is important that we support a control on our finance; to have financial problems related to the absence of payment of the financial services many doors can close us to new investments that might turn out to be very suitable for our economy. For it it is necessary that, before realizing any type of financial movement, he thinks about how to take advice as it corresponds, this way to prevent from having the obligation to resort to a credit reunification, what also implies having certain control with regard to the expenses that we have and the way that we administer our finance. |
