What supporting documents for a credit surrender?


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  • Credit Redemption: the solution to group all your credits!
  • The guide of the repurchase of credit
  • Supporting documents for a credit redemption

If the desire is to make a consolidation of credits, then vouchers are to be gathered for the good constitution of the file.

A complete and well-written file is easy to understand and processed quickly! (prepare to get a favorable opinion)

The nature of the transaction imposes a complete list of documents to provide to enable your expert broker in the credit repurchase case study to establish a thorough study of your financial situation to characterize the rapid credit buyback suitable for your projects and your repayment capabilities.

Required documents for a grouping of credits

Required documents for a grouping of credits

The list of supporting documents and mandatory to build a credit restructuring file is divided into six pockets, each of them from different sources and information.

Identity

Identity

  • National Identity Card (CNI) of Borrower and Co-Borrower

Family situation

Family situation

  • Family record book
  • Marriage contract or PACS…
  • Divorce decree

earnings

earnings

  • Employees : last tax notice
  • Last three payslips
  • Salary Bulletin December N-1
  • If professional seniority <1 year employment contract
  • Independants and managers of companies : last 3 tax notices
  • Last 3 balance sheets, status of the company and ka of -3 months.
  • Nursery assistants: last 3 payslips of employers + approval
  • Pensions / Pensions / Annuities : Proof of pensions, annuities and pensions paid
  • Foncier : leasehold / fiscal imprint 2044
  • Social benefits : Proof of the various social security funds (CAF, Apl,…)

Bank accounts

Bank accounts

  • Last 3 months of statements of all accounts (current account, savings and payments by Carte Bleue)
  • 1 RIB

Loans and credits current consumption, or various debts

Loans and credits current consumption, or various debts

  • Latest statements (statements) of revolving credits (cash reserves)
  • Depreciation tables or balance attest for prepayment issued by the lender
  • “Family” debt: declaration on the honor + copy of the creditor’s CNI + proof of domicile of the creditor
  • “Tax” debt (tax delays…): Legible certificate of less than three months + contact details and references of the creditor and the debtor

Real estate loans being depreciated

Real estate loans being depreciated

  • Offer (s) of loan (s) and amortization schedules or balance of interest for prepayment issued by the lender

Housing and housing

Housing and housing

  • Housing tax
  • Property tax
  • Certificate or title
  • Last receipt Edf, phone or Adsl
  • Hosted free of charge or accommodation of function: attestation on the honor of the employer or proof of the landlord for free.

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All about the repurchase of credit

All about the repurchase of credit

  • Legal Notice

A credit commits you and must be repaid. Check your repayment capacity before you commit.

No payment of any kind whatsoever may be required of an individual before obtaining one or more loans of money. The reduction depends on the remaining term of the loans redeemed. The decrease in the amount of the monthly payments leads to the lengthening of the repayment period.

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