Purchase of consumer credit and real estate.
According to his signature, Dremfa wants to be “your financial partner”. This large group has existed since 1921. It was created for railway workers so that they can carry out their project. Real estate loan, personal loan, loan to buy a vehicle, loan for young active or savings solutions; Dremfa’s product portfolio is wide. In recent years, the financial institution has been helping families in difficulty by offering a consolidation of consumer credit. Let’s take stock of this product.
The grouping of credits by Dremfa
Events, unpredictable or unpredictable life, require the consumer to use credits. This is the case, for example, when moving in or when one decides to unite for life. The same is true when you are divorced or fired. Unfortunately, credit accumulation decreases purchasing power or creates a barrier to accessing a new loan. The purchase of credit is a possible solution to reduce its debt ratio and gain purchasing power.
How does Dremfa’s credit consolidation work? The principle is simple. The applicant meets all the schedules of these various consumer loans in progress (excluding mortgage loan) which he sends to a financial advisor. The total outstanding amount of credits from the various creditors is repurchased by the institution. This repurchase makes it possible to renegotiate the amount of the monthly payments and the duration of the loan. There is only one interlocutor for a monthly payment.
Who can apply for pooling credits?
Anyone can make a request to Dremfa, railwayman or not, owner as tenant. However, there are three conditions to respect. Thus, it is necessary that:
- The applicant is hired. Retirees are also accepted.
- Have a regular income.
- Do not be over-indebted.
Dremfa complies with the law and reminds all applicants that a redemption of credits is a loan. It must, therefore, be in the capacity to make its repayment.
What are the advantages of Dremfa buying back credits?
- Minimum amount of the loan: 5000 $
- The duration can extend up to 144 months.
- Management fees : 1% of the amount borrowed (there is a ceiling of $ 230).
- Flexible repayments. The applicant can reduce his monthly payments as increase.
How to request the study of a loan repurchase case?
Do you need to get out of the credit accumulation? Recall that the credit buybacks are framed by law and that a counselor will not be able to grant you this new loan on your situation is “too much” in debt.