{"id":10861,"date":"2016-06-15T08:56:54","date_gmt":"2016-06-15T08:56:54","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/quelles-sont-les-conditions-pour-obtenir-un-rachat-de-credit\/"},"modified":"2020-04-06T13:01:27","modified_gmt":"2020-04-06T13:01:27","slug":"quelles-sont-les-conditions-pour-obtenir-un-rachat-de-credit","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/quelles-sont-les-conditions-pour-obtenir-un-rachat-de-credit\/","title":{"rendered":"What are the conditions to get a debt consolidation loan?"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"What_is_a_debt_consolidation_loan\"><\/span>What is a debt consolidation loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A debt consolidation loan is a loan made to consolidate your debts. This solution consists in replacing your commitments into one loan renegotiated with better conditions. With a debt consolidation loan, it is possible to regroup:<\/p>\n<ul>\n<li><b>Personal loans<\/b>: for any amount from 3,000 to 150,000 Chf.<\/li>\n<li><b>Leasings<\/b>: car, moto, &#8230;<\/li>\n<li><b>Credit card bills<\/b>: Visa, Mastercard, &#8230; This can be specially useful if you can&#8217;t pay a bill in one payment.<\/li>\n<\/ul>\n<p>Once the debt consolidation loan done, you pay only one bill, but also you save money, as the new loan will benefit from a lower rate, and sometimes a longer repayment period. Thus, it is possible to save <b>up to 40%<\/b> on your bills with this solution.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_required\"><\/span>What is required?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>From a practical point of view, a debt condolidation loan is considered the same as a personal loan. Thus, the conditions are the same:<\/p>\n<ul>\n<li>To have enough budget to repay the new monthly installment.<\/li>\n<li>Not to have any prosecution of bad credit history (ZEK codes, &#8230;).<\/li>\n<li>To be Swiss or foreigner with a working permit (B, C, G, or legitimation card).<\/li>\n<li>To be over 18 years old, and under 65.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"An_example\"><\/span>An example<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mr Dubois wishes to consolidate two commitments:<\/p>\n<ul>\n<li>A 11.9% loan for which he pays 1,079 Chf monthly. He still has 10,000 Chf to reimburse over one year.<\/li>\n<li>A credit card balance of 3,000 Chf.<\/li>\n<\/ul>\n<p>With a debt consolidation loan, Mr Dubois groups his loan and the amount of his credit card into one new loan of 13,000 CHF. He choose a 2 years duration, and gets a 7.9% rate. His new monthly payment will be <b>only 585 Chf<\/b>!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_to_call\"><\/span>Who to call?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The best is to call <b>a specialized agency or advisor<\/b>. Indeed, it is important to ask an experienced interlocutor in order to get a low interest rate and the best conditions possible. <a href=\"http:\/\/creditloan.ch\/debt-consolidation-loan\" target=\"_blank\" rel=\"noopener\">CreditLoan<\/a>, an organization that specializes in loans and debt consolidation loans, can help you to get a free non-binding offer!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A debt consolidation is a solution &#8211; not always known &#8211; to group your different commitments. It allows you to pay one monthly bill instead of several, but also to lower installment payments. What are the conditions to get a debt consolidation loan? Explanation.<\/p>\n","protected":false},"author":4,"featured_media":10856,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[264,257],"tags":[],"class_list":["post-10861","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card","category-credit-repurchase"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/10861","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=10861"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/10861\/revisions"}],"predecessor-version":[{"id":21213,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/10861\/revisions\/21213"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/10856"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=10861"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=10861"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=10861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}