You have consumer credit and you are now wondering about the feasibility of taking out a new loan, to buy a house this time. If the credits are not the same, it is sometimes possible to have a solution.
Combine consumer loan and home loan:
Many people took out a mortgage when they decided to buy their house or apartment. Home loans are not subject to the same laws as consumer loans. This is why it is not possible, for example, to buy a house, even at a low price, through personal credit.
It is also not uncommon, after this first loan, that they take out one or more consumer loans. This can be a work loan, to improve their habitat, or to furnish their new interior to their liking. It is therefore quite possible to combine the two.
In case of financial difficulty, consider buying back credit:
One loan, then two, it is easy to get money quickly, when you have projects full head! You still have to be able to repay your various loans. Even with solid incomes and good management, it can happen that a household finds itself in a delicate situation. An accident in life can be the cause. If this problem generates additional costs, the repayment capacity may be unbalanced for a given period. It is however imperative that the drafts are reimbursed.
Why, in this case, not opt for the repurchase of credit? It is possible to combine certain loans, including the mortgage and consumer loans. To do this, you can use a simulator to see if this option is possible. If you prefer to go human, to explain your situation and your temporary woes, contact a credit broker.
Contact a broker to help you with your credit repurchase:
A broker can, if he has all the data relating to your financial situation, tell you if the repurchase of credit, including the mortgage is feasible. To do this, it will rely on certain data. You have resources and expenses every month. It must therefore be based on these elements, to calculate the remainder to live, according to your family composition.
Once done, this will allow him to have a clearer idea about your repayment capacity; that is to say the amount that you can borrow (and therefore repay) without it exceeding the debt ratio, which the credit companies estimate at 33% maximum of monthly income. If he thinks that the file can be accepted, his work does not stop there. He can suggest that you compare the offers of the various banking establishments, to find the one that will be the most suitable at first and then the most advantageous. That is to say the offer that will allow you to pay as little as possible over a longer period.