Debt reunification
17.11.2005
Interview realized to governing Sergio Solí-s of capital expansion Credit route The provinces digitalis.
To: Why has the product received so much interest of reunifying debts at present?
The consumption habits have changed in the last years. The indebtedness level is to the limit. It does not wonder to see young people of less than 20 years with Audi A3, for example. Also, it is practically sure that the familiar indebtedness is going to keep on growing, because in our society it is every more difficult day to resign to nothing, good houses, good cars, good meals, good vacaciones†¦ With this conjuncture, it is logical that if today you pay 1.300 euros a month and there exists an alternative that allows you to reduce the quota up to 500 euros / month, the latter option receives interest. The intermediaries we have looked for solutions as this one to approach the demand of the street.
To: To what families can it turn out to be interesting to unify debts?
The debt reunification will turn out to be interesting to all those families that need liquidity, which troubles spend to pay the different quotas of his loans or even for those who have stopped paying and who have sequestrations or an imminent auction.
To: What advantages does the debt unification present?
The advantages are different: the client can reunify all his loans in one, can have also extra money paying a lower quota, can be saved from a situation of imminent auction, etc.
To: What are the disadvantages?
Perhaps that gets longer the term of the payment, but it is avoided to resign from several things, as for example to obtain money for the wedding of a son, to do reforms in the hearth …
To: What future do they foresee for the debt reunification product?
I am sure that it will be on the increase, since we tend to the product it begins to be consolidated. The people begin to understand our work. A few years ago, when we were explaining what we were doing nobody understood our work. Now, many people have a friend or a neighbor who has done a reunification.
To: What commissions is it necessary to pay for his work like intermediaries?
It depends on the type of operation and on his complication. The commission ranges between a 1 % and 5 %. The same is not an operation with sequestrations, that a reunification for a client with a mortgage who only finances 60 % of the building and who is provided with all the payments a day.
Source: The provinces digitalis
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