Le rachat de crédit : principe, fonctionnement et mode d’emploi

Publié jeudi 17 août 2017 Commenter 88
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Le rachat de crédit est une offre de crédit, elle est également nommée regroupement de crédit. Le rachat de crédit est une solution financière qui consiste à regrouper un ou plusieurs crédits dont l’objectif est de diminuer la somme globale des mensualités dans le but de répondre à une accumulation de crédits, à un déséquilibre financier ou à un besoin d’allègement des charges.

Lors d’un rachat de crédit, il est possible de renégocier le taux d’intérêt par exemple, mais la durée du remboursement sera elle, plus longue. Il s’agit donc bien d’une solution pour que les particuliers puissent réduire le coût de leurs mensualités et apaisent leur quotidien. A noter qu’en allongeant la durée de remboursement, une majoration du coût total du crédit peut être observée.

Il existe deux types de rachat de prêts au regard de la législation Française :

- Le rachat de crédit immobilier dont la part de crédit immobilier est supérieure à 60%

- Le rachat de crédit consommation dont la part de crédit est inférieure à 60%.

Ce financement est aussi bien accessible pour des personnes locataires que propriétaires de leur maison, d’ailleurs, les professionnels comme les artisans ou les professions libérales peuvent également regrouper leurs emprunts.

Solutis, une référence historique du rachat de crédits

La marque Solutis ne vous est peut-être pas inconnue, c’est l’une des premières sociétés de rachat de prêts en France. Apparue en 1998, cette marque s’est tout de suite présentée comme la référence du regroupement de prêts en France, une époque où ce financement faisait son apparition sur le marché tricolore. Depuis, Solutis a parcouru du chemin, depuis la publicité TV sur les grandes chaines nationales (TF1, France 2, France 3) jusqu’à l’obtention de la certification ISO 9001 en 2009 pour l’ensemble de ses services, un service unique sur le marché de l’intermédiation de banque.

Ce qui différencie aujourd’hui Solutis de ses concurrents, c’est sans nul doute sa capacité à proposer du sur mesure notamment grâce à son écoute du client. Les conseillers sont des experts dans ce domaine et proposent des allègements de mensualités cohérents, en accord avec les attentes de chacun. De plus, il est possible d’ajouter un montant pour un nouveau projet, un besoin de plus en plus exigé par les emprunteurs qui souhaitent restructurer leurs finances de façon cohérente.

Le rachat de prêt immobilier, une opération au meilleur taux

Chez Solutis, le taux est important et chaque emprunteur recherche systématiquement le meilleur taux, notamment dans une opération de rachat de prêts immobilier : https://www.solutis.fr/rachat-credit-immobilier.html

Les relations qu’entretient Solutis avec ses partenaires bancaires lui permettent de toujours proposer les meilleures offres de financement, grâce à une qualité de dossier irréprochable, un savoir-faire reconnu de tous sur le marché du regroupement de prêts.

Dans l’optique de faire racheter ses prêts immobiliers, il suffit de réaliser une demande sur le site internet Solutis.fr. Cette demande, une fois validée, permettra d’obtenir un premier avis de faisabilité. Après réception des documents justificatifs nécessaires à l’étude, l’analyste se charge de proposer plusieurs offres de financement, c’est l’emprunteur qui choisit à terme la meilleure offre de rachat de crédit immobilier. A noter que pour ce financement, une garantie est exigée, il s’agit très souvent d’une garantie hypothécaire sur le bien immobilier, ce qui implique un passage chez le notaire.

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