Save on your Borrower Insurance!
A
savings of several thousand euros:
this is what you may be able to achieve if you have an outstanding mortgage.
How? 'Or' What?
HaveBy taking out cheaper borrower insurance.
What is borrower insurance used for?
In the event of death, disability or loss of employment (if this option has been chosen), the insurance reimburses the bank on your behalf.
It is a security for you and your family but also for the banker.
Why change it?
When taking out the loan, the bank offered you a group insurance contract "to guarantee your loan.
If it was before 2010, you had no choice and had to accept this one. Since 2010 and the Lagarde law, you have the right to prefer an external insurer upon subscription, in other words to opt for the "insurance delegation".
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Real estate loan
A home loan is validated by a loan offer, a document governed by banking law. It sets out the obligations of the lender and the borrower respectively, including details of the
loan: amount borrowed, interest rate, duration, ...
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loan: amount borrowed, interest rate, duration, ...
Redemption of Credits
The purchase of credits allows you to consolidate your credits into a single monthly payment, more suited to your current situation. In this case, a bank buys back all of your loans in order to rebalance your budget.
Borrower insurance
Loan insurance generally referred to as borrower insurance is a guarantee requested by lenders (banks) when applying for a loan. Although it is not a legal obligation, it is required in almost all cases.
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Professional loan
Cash requirement
