The reunification of debts in the same loan or mortgage is the best option to obtain better conditions and pay less every month. It is possible to realize the reunification of debts that have a person or family in a single loan, being able to include mortgages, personal loans, payments with credit cards or another type of debts that you may have, and arriving to pay up to 80% less of quota monthly For this, it is only necessary to carry out a simulation of debt reunification, with the debts that you want to unify and, if you are interested, the negotiating agency will be in charge of negotiating with the financial entities and doing all the paperwork.
The reunification of debts can be the best option to pay less every month for your loans, credits and mortgages, being able to pay up to 80% less every month thanks to the better conditions or extension of the term that you are going to get. Debt collection agencies will negotiate with financial institutions to offer you the best possible conditions and pay less for your loans in a single monthly installment.
Steps to carry out the reunification of debts that you have
To carry out the reunification of debts it is necessary to carry out the following steps, in such a way that first you carry out a simulation free of charge and later, if you are interested, group the loans, credits and mortgages in a new loan or mortgage. As you can see, you will not have to carry out any type of paperwork or negotiate with any financial institution, since the agency will take care of everything.
1. Perform a simulation of the reunification of debts that you have
In the first place, it is very important that you carry out a simulation of the reunification of debts and loans that you have, so that you can know how much your monthly payment would remain, for how long and if the operation is viable. Negotiating agency, one of the largest entities for debt reunification, offers you a simulator where you can check if the operation is viable and how much you would have to pay. You can access the debt reunification simulator here.
2. Make the request for the reunification of debts
If the operation is viable and is profitable for your pocket or convenience of payment, make the request with your personal data to make a more comprehensive risk study. The agency will be responsible for carrying out all the paperwork and negotiating with the banking and financial entities so that you have the best possible conditions.
3. They will contact you to advise you
Within 48 hours a personal advisor will contact you to inform you of the operation and analyze your particular situation and your financing needs. It will explain the financing options that you have available and what would be the conditions of each of the options. It will also help you decide the best option available for your case.
4. Accept the operation
If you agree with the new terms of your loans, credits and mortgages united in a new loan or mortgage, you only need to accept the transaction and send the documentation requested so that the negotiating agency can contact the financial and banking entities to perform the operation. Your personal advisor will negotiate the best possible conditions with the entities and when you have all the work completed, will contact you to propose a date for the signing of the operation
5. Signature of the operation
It only remains to sign the operation to be effective. From this moment you will have the conditions that have been offered to you.
How does the reunification of debts work?
The reunification of debts is based on unifying all the loans, credits and mortgages that you have or that you want to unify in the same loan or mortgage, in such a way that you get better conditions and therefore you pay less at the end of the month. This is possible because the negotiating agency will be in charge of negotiating with the financial and banking entities these conditions, obtaining better conditions than if you did it yourself, besides having to pay only one letter at the end of the month.
Through this banking operation you will be able to obtain better conditions, getting a monthly fee up to 80% lower than the sum of all the installments that you have to pay at the end of the month. This is possible based on two factors:
- 1. The interest rates on mortgages are lower than those on personal loans and loans.
- 2. The return period can be extended if you need it, paying less at the end of the month.
In addition, the negotiating agency will choose among the offers that banks have to choose the option that best suits your needs, offering you the best possible conditions.
Conditions that you can achieve with the reunification of debts
With the reunification of debts you will be able to achieve the following conditions:
- 1. A financing of up to 80% of the appraised value of the mortgage good.
- 2. A repayment term of up to 30 years.
- 3. A very competitive interest rate, referenced to the Mafubank, from Mafubank + 0.30%.
For this it would be convenient to have a mortgage or a property to mortgage, in such a way that it works as an endorsement and lower the interest rates of the new loan.
Advantages of debt reunification?
The reunification of debts has a main advantage that is to pay less at the end of the month for all your loans, credits and mortgages. In addition to paying less at the end of the month, you will be able to pay less for the final amount of all the debts you have because the interest rates you are going to get are much lower than the ones you are paying. According to the web specializing in loans creditosrapidos10min, you will be able to pay a month up to 80% less than what you are currently paying.
In addition to obtaining better conditions because the negotiating agency will negotiate with the banking entities so that you obtain better conditions, you will be able to pay your debts in a longer period if you wish, making you have less quota at the end of the month.
You can simulate the reunification of your debts for free and online, being able to check in a moment the conditions that you can get and, if you are interested, you can get more information without having to pay anything or move from home.
You will not have to do any type of paperwork or go to any bank or financial entity to obtain better conditions, since the agency will take care of everything and you will only have to obtain the documents that you request and sign the operation if you are interested in she.
Finally, you will have a personal advisor who will contact you to inform you of the conditions you can get and help you decide the best option available to obtain better conditions. This advisor will be available at all times until you sign the new loan or mortgage that unifies all your debts.