{"id":8191,"date":"2015-09-11T07:25:45","date_gmt":"2015-09-11T07:25:45","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/le-regroupement-de-credits-comment-economiser-de-largent-sur-son-credit\/"},"modified":"2020-04-03T11:49:51","modified_gmt":"2020-04-03T11:49:51","slug":"le-regroupement-de-credits-comment-economiser-de-largent-sur-son-credit","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/le-regroupement-de-credits-comment-economiser-de-largent-sur-son-credit\/","title":{"rendered":"Credit repayment: how to save money on your loan?"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"What_is_credit_repayment\"><\/span>What is credit repayment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A credit consolidation, also called debt repurchase, simply means that you can regroup several financial commitments together:<\/p>\n<ul>\n<li><b>Personal loans<\/b>: a credit repurchase then stands for a replacement of your ongoing credit with another credit that has <b>better conditions<\/b> and is offered by another society.<\/li>\n<li><b>Credit card consolidation<\/b>: it is possible to reimburse your credit cards debts by borrowing some money. This solution might seem useless (borrowing in order to reimburse a loan), but you should know that personal loans usually have lower interest rates than what you pay for your credit cards debts.<\/li>\n<li><b>Leasings<\/b>: credit repurchase can also apply to leasing solutions.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_much_can_you_save\"><\/span>How much can you save?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>People are mostly interested to know how much they can save when regrouping their financial commitments. This will depend on:<\/p>\n<ul>\n<li>The commitments you wish to regroup and the actual conditions of these commitments (interest rate,\u2026).<\/li>\n<li>The repurchase conditions: duration and interest rate offered.<\/li>\n<\/ul>\n<p>In general, we consider that you can save up to <b>40% on your monthly payments<\/b>! In other words, a particular who pays each month 500 Chf to reimburse a credit, plus a 100 Chf to repay a credit card (monthly amount is 600 Chf), could save up to 250 Chf\/month with a credit repayment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Other_advantages\"><\/span>Other advantages?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You should also consider the other benefits of a credit repurchase.<\/p>\n<ul>\n<li><b>Simplify your billing<\/b>, by replacing many monthly payments by one only.<\/li>\n<li><b>Re-organise your budget<\/b> by defining the reimbursement duration for example. You can then budget clearly and safely your loan reimbursement.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_benefit_from_a_loan_repayment\"><\/span>How to benefit from a loan repayment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are many people and societies to contact if you wish to make a credit repurchase. We recommend you to get in touch with a <b>qualified advisor<\/b> who will be able to inform you at best. Multicredit for example, can offer you a free analyse of your situation as well as a free debt consolidation offer <a href=\"http:\/\/www.multicredit.ch\/en\/credit-repayment.php\">directly on their page<\/a>! Other societies are also interesting. In any case, just beware of <b>offers that are too good to be true<\/b> and to be able to get a free and non-binding quote!<br \/>\n<!--:--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many people make personal loans in Switzerland (more than 400\u2019000 contracts in 2014), but credit repurchase is a less common financial solution. However, borrowers could benefit a lot more from this convenient and advantageous alternative. What is debt consolidation and how much can you save thanks to this solution? Let&#8217;s have a closer look:<\/p>\n","protected":false},"author":4,"featured_media":8101,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[257],"tags":[],"class_list":["post-8191","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-repurchase"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8191","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=8191"}],"version-history":[{"count":1,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8191\/revisions"}],"predecessor-version":[{"id":8379,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8191\/revisions\/8379"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/8101"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=8191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=8191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=8191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}