Loan consolidation – simulation

Purchase of credits

Companies offers you the possibility of grouping several outstanding credits like a real estate loan, a consumer credit or a revolving credit … and possibly a new project. Real estate loans are detailed in the section “The purchase of real estate loans “.

With such a purchase of credits, you manage your budget more simply and thus more efficiently. Indeed, it allows you to benefit from both a single rate and a single interlocutor for all credits but also to pay only one monthly payment, the date, duration and amount are defined according to your needs and your projects. The credit repayment period is between 12 and 84 months (7 years) whereas the loanable amount can vary between € 3,000 and € 60,000. No fees.

This financial product offers you the opportunity to reduce the total amount of your monthly repayments by extending the repayment period. This is a viable solution against overindebtedness.

Minimum amount borrowed: € 3,000
Maximum amount borrowed: € 60,000
Minimum credit period: 12 months
Maximum credit duration: 84 months
Booking fees: Free

Purchase of real estate loans

Purchase of real estate loans

The purchase of real estate credit allows homeowners to consolidate all their credits and to take advantage of the many benefits provided by the groupings of credits: lower monthly payments, contact with a single interlocutor … Your advisor will suggest a fixed or variable rate that will oscillate between 2.20% and 2.80% for your mortgage purchase. This rate is calculated without the borrower insurance, the file and management fees. The repayment term of the credit is 15 years.

Fixed rate for repurchase of mortgage, 4th quarter 2015
Duration of the 15-year credit consolidation
Highest rate: 2.80%
Lowest rate: 2.20%
Rate of repurchase of real estate credit calculated except borrower insurance, expenses of file and expenses of management.


The credit restructuring proposed by allows French households to control their debt. Many families have opted for this refinancing solution and have emerged from their problematic situation after a few years. They have even been able to envisage new projects thanks to the adaptation of the monthly payments according to their incomes and the personalized follow-up of one and the same advisor.

An online personal space and an My Account Application allows you, among other things, to contact your advisor, monitor the progress of your reimbursement and the debit of the monthly payment.

Loan consolidation simulation

Companies offers you a credit simulation online. This free and personalized service will guide you in your choice of financing so that it is the most adapted to your situation. Targeted simulations will enable you to better prepare your loan consolidation request by indicating in particular the total cost of the operation as well as the cost of the credit at the fixed interest rate.

This tool gives a good overview of your future grouping request. In credit consolidation simulations, credit insurance is rarely included. This insurance, often optional, can be purchased if you feel the need but it may happen that it is imposed in the terms of the contract. You will be able to keep the results obtained and complete a loan consolidation application form if you wish to submit your file to a bank advisor.

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