Do you have a new life project, but you don’t have the necessary funds to carry it out on your own? You will therefore have to take out a loan from the bank to succeed in making your desires come true. Subscribing to a new loan requires a request from a bank. Depending on your projects, it will be more appropriate to subscribe to one type of financing more than another.
For example, if your project concerns the purchase of a new home, you will then need to take out a property loan. On the contrary, you will have to try to obtain consumer credit , if your expenditure is allocated to the purchase of goods, services, works or to settle a debt.
Before sending its response to your request for new credit, the bank will carry out an in-depth study of your overall situation. This approach aims above all to check whether the borrower in question will have the necessary resources to return the funds borrowed thanks to this new loan.
How to obtain a new consumer or real estate loan after repurchasing credits?
Subscribing to a loan consolidation does not prevent you from subsequently financing new projects. If your financial situation allows it, it is possible to apply for a home loan or a consumer loan to carry out different types of project. Buying back your old consumer and real estate loans in a single loan also allows you to regain borrowing capacity, in particular by lowering your monthly payments according to your monthly income.
However, when making your online request to consolidate your credits and reduce your deadlines on our form, you can indicate your intention to finance a project which may concern the purchase of housing, a car or a completely different need. Your Solutis advisor will assess your repayment capabilities to find out if you can obtain cash, directly integrated into your redemption.
This arrangement, including an additional sum of money, is a solution which prevents you from wasting time taking out new financing and also saves administrative fees, chargeable after the release of a credit transaction.
How to easily borrow a new loan?
Without a doubt, loans forming part of consumer loans are those with the most flexible granting conditions for individuals and professionals. It is therefore quite easy to obtain a response as quickly as possible with an offer of revolving credit or a personal loan for example, as long as your personal situation is healthy enough to qualify for it. A loan to buy a car or for work may take longer to release, especially if you do not yet have proof of project.
The granting of a real estate loan is conditioned by more banking criteria, because the amounts borrowed very often exceed the threshold of €100,000. Also note that, although recommended, taking out insurance is optional for a consumer loan, whereas it is generally essential for a banking transaction to buy a home.
What will be most important in the eyes of the bank is the quality of the borrower’s profile. This means that a borrower with solid financial arguments is more likely to easily borrow new credit. Therefore, it is recommended to have regular income as well as a stable professional situation, a low debt rate, the absence of a bank account and the ability to save.
New credit: why go through a broker?
By going through a broker like Solutis, you will receive a response within 24 hours and you will be supported to facilitate your procedures with a view to finding a loan offer that meets your expectations. All banks offer consumer credit, but the conditions for granting and repayment are not the same depending n the different competitors.
Our experts will intervene to compare the offers and the best rates on the market and offer you an advantageous contract in relation to your financial situation. By making a single request from Solutis, you will take out a new loan more quickly, because you will not have to shop around the banks to find the lowest APR and cost. Our teams take care of all the procedures, including putting together the file, studying it and negotiating with several of our partner banking establishments.
After submitting a request on our online form , you can quickly obtain a loan offer. However, it is important to send your supporting documents and documents as quickly as possible so that our advisors are able to put together your file, then quickly analyze your eligibility for a new consumer, real estate or mortgage loan. Whether your project is to finance your needs via a revolving credit, a personal loan or more specifically a car loan or a loan for work, a house or any other project, the transmission of your personal ocuments is a mandatory step.
Please note, however, that Solutis will make the steps easier for your subscription and obtaining your funds, because our advisors take care of all the administrative procedures and contact the banks.
Simulation and request for new credit online
Whether you are an individual or a professional, if you want to borrow a new loan quickly, you can first make a simulation or request for a personal loan, real estate loan or credit repurchase.
You will then be supported by our teams who will provide you with expertise and trustworthy services. In return, you will benefit from a financing proposal with monthly payments adapted to your income and monthly budget.
To offer you the best rate and the borrower insurance contract associated with the lowest rate, our experts will mobilize our network to identify the banking establishment and the insurance company offering attractive conditions.
