Guide for taking out loan insurance

When you are a borrower, surety, co-borrower of a real estate loan or associate in SCI, you can buy a loan insurance. The risk cover you receive will be based on your age, work situation and state of health.

The age limit for taking out loan insurance

The age limit for taking out loan insurance

The age limit for applying for loan insurance generally varies according to the offers of 55 to 75 years. Most often, it is set at 65 years old. Beyond this age, you will only be able to adhere to the death guarantee. There is also an age limit for certain contracts for Total Permanent Disability (IPT), Partial Permanent Disability (IPP) and Temporary or Total Incapacity (ITT) guarantees.

Simulation, Quote and Comparison of Credit Insurance

Simulation, Quote and Comparison of Credit Insurance

The age limit of protection, the age or the guarantee is no longer effective, is identical to the age limit of subscription.

In the event that your age exceeds the age limit of subscription, or in order to extend the age limit of coverage, you can opt for a formula specific to “seniors” allowing you to join and be covered by loan insurance until the age of 85 (on average). However, your borrower insurance will only cover the risk of death and will cost more than other standard contracts.

Subscribe the best insurance offer according to your professional situation

Many contracts only allow the subscription of the IPT, IPP and ITT guarantees to the persons exercising a professional activity. However, there are loan insurance contracts that can be subscribed when one does not exercise any professional activity at the time of the application for the subscription of a loan insurance. However, these generally only cover the risk of death.

How much insurance to subscribe?

How much insurance to subscribe?

Whether you are borrowing alone or in pairs, what is called an insurance quota is applied. The loan insurance portion is a percentage distribution of coverage. For a single borrower, this one is 100%.
When borrowing as a couple, it is recommended to take into account the level of income of each to distribute as accurately as possible “on each head” the insured portion. Thus, the borrower 1 may for example benefit from a 60% quota against 40% for the borrower 2, the minimum total being 100%.

 

Guide for taking out loan insurance

When you are a borrower, surety, co-borrower of a real estate loan or associate in SCI, you can buy a loan insurance. The risk cover you receive will be based on your age, work situation and state of health.

The age limit for taking out loan insurance

The age limit for taking out loan insurance

The age limit for applying for loan insurance generally varies according to the offers of 55 to 75 years. Most often, it is set at 65 years old. Beyond this age, you will only be able to adhere to the death guarantee. There is also an age limit for certain contracts for Total Permanent Disability (IPT), Partial Permanent Disability (IPP) and Temporary or Total Incapacity (ITT) guarantees.

Simulation, Quote and Comparison of Credit Insurance

Simulation, Quote and Comparison of Credit Insurance

The age limit of protection, the age or the guarantee is no longer effective, is identical to the age limit of subscription.

In the event that your age exceeds the age limit of subscription, or in order to extend the age limit of coverage, you can opt for a formula specific to “seniors” allowing you to join and be covered by loan insurance until the age of 85 (on average). However, your borrower insurance will only cover the risk of death and will cost more than other standard contracts.

Subscribe the best insurance offer according to your professional situation

Many contracts only allow the subscription of the IPT, IPP and ITT guarantees to the persons exercising a professional activity. However, there are loan insurance contracts that can be subscribed when one does not exercise any professional activity at the time of the application for the subscription of a loan insurance. However, these generally only cover the risk of death.

How much insurance to subscribe?

How much insurance to subscribe?

Whether you are borrowing alone or in pairs, what is called an insurance quota is applied. The loan insurance portion is a percentage distribution of coverage. For a single borrower, this one is 100%.
When borrowing as a couple, it is recommended to take into account the level of income of each to distribute as accurately as possible “on each head” the insured portion. Thus, the borrower 1 may for example benefit from a 60% quota against 40% for the borrower 2, the minimum total being 100%.

 

Loan Insurance: Borrower Insurance Solution

Colmar: the sweetness of living in the French way

Colmar: the sweetness of living in the French way

Created in 1790 and after many adventures, the Haut-Rhin is finally attached to France after the Great War. Its administrative center is Colmar. To enjoy a city of pleasure and greed, come and settle in Colmar. An expert in insurance products will help you in the search for an advantageous borrower guarantee.

A city full of greenery

Colmar attracts more than 3.5 million visitors each year. Europeans, Americans or Japanese come to admire the Unterlinden museum, half-timbered Alsatian houses and the neighborhood of Little Venice. The city has 108 ha of greenery and 33 ha of allotment gardens including the Champ-de-Mars park and the water tower park. The latter has a rose garden of 38 varieties grown on 450 m². Before you make an acquisition in Colmar, proceed first to a comparison of offers in mortgage and loan insurance

The capital of Alsace wines

The capital of Alsace wines

The geographical situation of the city is favorable to the culture of the vine. Colmar has its own vineyard with an area of ​​25 ha. Great wines, liqueurs and brandies are manufactured there whose reputation dates back to medieval times. If you are a gourmet, Colmar awaits you for a final installation. When buying your new home, ask for a personalized follow-up by a Colmar Loan Insurance Specialist.

Find a competitive insurance in Colmar

Find a competitive insurance in Colmar

In case you finance your project in Colmar with a mortgage, you have 30 days to find a delegation of insurance. Innovation in insurance is now the medical teleselection. For faster processing of cases, counselors complete the medical questionnaire through a telephone interview with the insured future. For more information on the matter, contact a broker specializing in credit insurance, close to your future home in Colmar.

 

Loan Insurance: Borrower Insurance Solution

Colmar: the sweetness of living in the French way

Colmar: the sweetness of living in the French way

Created in 1790 and after many adventures, the Haut-Rhin is finally attached to France after the Great War. Its administrative center is Colmar. To enjoy a city of pleasure and greed, come and settle in Colmar. An expert in insurance products will help you in the search for an advantageous borrower guarantee.

A city full of greenery

Colmar attracts more than 3.5 million visitors each year. Europeans, Americans or Japanese come to admire the Unterlinden museum, half-timbered Alsatian houses and the neighborhood of Little Venice. The city has 108 ha of greenery and 33 ha of allotment gardens including the Champ-de-Mars park and the water tower park. The latter has a rose garden of 38 varieties grown on 450 m². Before you make an acquisition in Colmar, proceed first to a comparison of offers in mortgage and loan insurance

The capital of Alsace wines

The capital of Alsace wines

The geographical situation of the city is favorable to the culture of the vine. Colmar has its own vineyard with an area of ​​25 ha. Great wines, liqueurs and brandies are manufactured there whose reputation dates back to medieval times. If you are a gourmet, Colmar awaits you for a final installation. When buying your new home, ask for a personalized follow-up by a Colmar Loan Insurance Specialist.

Find a competitive insurance in Colmar

Find a competitive insurance in Colmar

In case you finance your project in Colmar with a mortgage, you have 30 days to find a delegation of insurance. Innovation in insurance is now the medical teleselection. For faster processing of cases, counselors complete the medical questionnaire through a telephone interview with the insured future. For more information on the matter, contact a broker specializing in credit insurance, close to your future home in Colmar.

 

Travel credit: the French will prioritize the sea

Nearly 70% of respondents will go on vacation

Nearly 70% of respondents will go on vacation

On the basis of a panel of 911 people aged 24 to 65, 66.70% of respondents will go on holiday this summer, mainly in France (61%). Other destinations are Europe (30%) – notably Spain, Italy, Portugal, Greece, Croatia and Malta – and the rest of the world (9%).

Countryside, sea, mountain, city, which destination favors the French?

Countryside, sea, mountain, city, which destination favors the French?

Good, no suspense. The sea wins the majority of votes. And from far (73%), in front of the mountain (14%), the city and the countryside (6.5% ex-aequo).

For accommodation, the mobile home in a campsite is preferred (24%), in front of the renting of a house (22%), the hotel, the renting of an apartment (15%, ex-aequo) or installation at friends or family (14%). By the way, a large portion of the respondents had not yet reserved their vacation rental at the time of the survey, in May (68%).

In the meantime, renting will take place mainly on the Internet (75%), far ahead of word of mouth (7%) and real estate agencies (5%). 

What experiences do respondents keep from their previous vacation?

What experiences do respondents keep from their previous vacation?

The majority of respondents said they were not disappointed by their vacation rental (60%). They are even 72% to say that they would not change their home for the summer holidays. In the same vein, the site Consortium-immobilier.fr finds that the ” fear of the scam ” is not really a generalized feeling. They are indeed 64% to feel no fear at the time of booking their vacation rental.

What budget do the French spend on their holidays?

What budget do the French spend on their holidays?

The holidays are nice but unfortunately, it has a cost. For 83.5% of respondents, the planned budget does not exceed € 1,000 (of which 41% plan to spend less than € 500). The € 1,000 – € 2,500 tranche collects 5% of the votes; that of 2,500 € -5,000 €, 8%; and the one above € 5,000, 3%.

And you want to go on vacation? The travel credit can be a solution to finance your desires elsewhere.

Samsung Galaxy Tab3 as a Gift for a Credit Card

Samsung Galaxy Tab3 as a Gift for a Credit Card

As many as 3,000 people can become owners of the Samsung Galaxy Tab 3 Lite SM-T110 tablet in a package with the City credit card

It is time to present another offer that reminds us about the upcoming holidays. City Grandlowy moved with quite an interesting promotion, as part of which 3000 people can get a bonus in the form of the Samsung Galaxy Tab 3 Lite SM-T110 tablet to the City credit card.

 

The offer is almost perfect before the upcoming holidays

The offer is almost perfect before the upcoming holidays

Not only that we get a credit card from holidays before Christmas with the help of which we can make purchases in the form of even gifts or gifts, we still have a chance to receive a bonus in the form of a tablet Samsung. There are 3000 such tablets to be won and they will reach the people who are the first to meet the promotion conditions.

 

 

What should you do to enter the competition?

What should you do to enter the competition?

The first step is to fill in the form to which the link will be found above. When our application goes to the bank, we will be asked to present documents confirming our income. And when one of the three credit cards will be in our possession (and these are Silver, Gold and Platinum cards that we have already written on our pages), another important point of the competition will be the purchase with a card (non-cash transaction) for an amount not less than PLN 750 and no later than December 22 this year. At least once, we should also log in to the Citytrust transaction website or using a special application designed for a smartphone.

In my opinion, an interesting promotion that is worth using if someone does not have a credit card yet, or has and I want one more example with a higher limit ?

Credit Competitor Archives

credit loan

KN Credit is an authority that provides money loans even when you have a BKR registration. You can apply for a loan of at least € 2500 and a maximum of € 100,000 at Credit Competitor. Borrowing money with BKR is also one of the possibilities at Credit Competitor. You can determine the form of credit in which you want to close the loan. You can choose between a personal loan and a continuous loan.

 

Borrow money despite BKR registration

Borrow money despite BKR registration

Do you have a BKR registration? A credit competitor also provides loans to people who have a BKR registration. A BKR test will always be performed. Per situation, the seriousness of the BKR registration and how the ratio between the loan to be closed off and the income will be looked at.

 

Lending Credit competitor costs

Lending Credit competitor costs

The loan borrowing costs of a credit competitor only consist of the statutory interest calculated on the loan. How much interest you have to pay for your loan is different by credit type. You can choose between a personal loan and a continuous loan. Below you will find more information about these types of credit and the costs, also for a loan without BKR testing.

 

Personal loan

Do you have a large edition, the amount of which is known in advance? Then you can opt for a personal loan. A personal loan has a fixed interest rate and a fixed term. You know what your monthly amount is that you have to repay. You cannot therefore come up with unexpected amounts that you can no longer repay.

 

Continuous credit

Personal loan

Do you have unexpected expenses, but do not know exactly how much money you need? Then a continuous credit can be a result. Some benefits of a continuous credit:

  • It is a flexible credit. You can decide for yourself when and how much you record.
  • Variable interest rates with sharp interest rates
  • You only pay interest on the amount to be redeemed
  • You can pay off without penalty
  • You always have the opportunity to come to your online account

 

interest

The interest rate at Credit Competitor depends on the form of credit and the amount of the loan amount. A large loan has a lower interest rate than a small loan. A personal loan has a fixed interest rate and a continuous loan has a variable interest rate. Generally, a continuous loan usually comes out cheaper than a personal loan. Look for the current interest on KN Credit.

Cheap Loan Insurance: Insure a Real Estate Loan After A Wolf Disease

 

Loan insurance

Loan insurance

If you want to buy a home loan, bank’s disease can put a lot of pressure on you. Indeed, many diseases are part of the list of “aggravated health risks” insurers. Bank group insurance can be denied because it does not generally cover high risks. And without loan insurance, the lending institution will not grant you a mortgage.

Play the competition between insurance companies to find the loan insurance you need to get your mortgage!

Why is the bank group insurance contract not suitable for bank’s disease?

It is a mutual insurance, that is to say that it divides the risks between different insureds, clients of the lender. It offers only standard coverage and includes many “exclusions” of guarantees: aggravated health risks, risky occupations, sports and risky leisure activities. This is why this type of insurance is not suitable for the management of bank’s disease.

The insurance delegation: the solution to benefit from a loan insurance with risk aggravated health of bank

In force since September 1, 2010, the Lagarde law gives borrowers the possibility to subscribe to other loan insurance than the group contract of the lending bank. This is called “insurance delegation”. So you can put insurers in competition to find your health insurance health insurance bank at the lowest price on the market.

Compare online to save time

Compare online to save time

Start the insurers one by one a lot of time. You are therefore advised to use our online insurance comparator ready because in just 2 minutes you access the offers that are best suited to your situation and can compare them very easily.

  • bank health insurance premium rate
  • bank health insurance quote
  • bank Personalized Loan Insurance Study
  • bank Health Questionnaire
  • Free reminder of a dedicated advisor

Why delegate my loan insurance with Loan Insurance?

The Loan Insurance-Loan Insurance Broker is a major player in loan insurance brokerage and has partnered with the largest insurance companies and insurers specializing in aggravated risks. By using our services to insure you with the health risk of bank, you will benefit from negotiated rates and conditions. In addition, your bank will not be able to refuse your insurance delegation.

The Insurance convention

The Insurance convention

The Insurance (Insurance and Borrowing with an Enhanced Health Risk) convention is a device that helps people with aggravated health risks to ensure their loan.

  • Learn more about the Law
  • Learn more about loan insurance with aggravated health risk

 

The Financial Ratios of a Credit Purchase

Credit redemption is a financial approach that makes changes to the management of the personal budget. The principle is to group together a set of loans and various debts into a single credit agreement with a monthly payment adapted to the repayment capacity of the borrowing (s).

The different financial ratios to obtain a repurchase of credit

Here is a non-exhaustive list of the different financial ratios of which a borrowing candidate must be eligible to qualify for a loan to buy back credits :

indebtedness

indebtedness

There is the notion of the customer debt ratio before the buyback transaction which is taken into account to define the borrower profile, but also the debt ratio after redemption not to exceed.

The rest to live

The rest to live

The remainder to live is the sum remaining due to the household per person to live for a period of one month, after payment of the monthly maturity of the debt restructuring credit and the monthly portion of the income tax.

Generally, it is around 750 € for 1 person and 900 € more or less for 2 people. You must add 200 € for the 3 and 4 dependents, and 250 € per additional person from the fifth person in the home.

The mortgage ratio

The mortgage ratio

Essentially when setting up mortgage repurchases dedicated to homeowner borrowers, it is more accurately the market value of the property in relation to the amount loaned by the bank to the borrower (s).

In order to allow the bank to control the risk of managing the credit agreement, the mortgage ratio, also called the proportion, is around 80% on average for a classic Sir Anthony Absolemment, ie without taking any particular risk.

According to the plan of Sir Anthony Absolutements, in the case where the amount granted to the borrower (s) is important the latter can be reduced for more security when at the risk of non-payment of the subscriber (s). Conversely, the better the borrower profile, the more the bank will be able to relax the mortgage ratio by increasing its percentage to allow customers more room to maneuver.

Some tips before subscribing to a credit redemption

Discover through our multiple expert advice, the procedure to follow before subscribing to purchase of credit to change the organization of the financial budget.

Compare credit buyback proposals to negotiate well

Compare credit buyback proposals to negotiate well

As for any act of purchase, when subscribing to a credit redemption must compare the proposals to negotiate!

This is a real task, tedious and requiring knowledge of the market, the best solution is to use the services of an intermediary broker in the operation of repurchase of credit.

Real professional and connoisseur of different facets of the market, he undertakes all tasks from A to Z to get you the best offer of the moment to the best conditions of Bradamantement.

A group of credit adapted to your repayment capacity to allow you to manage the management of your monthly payments and your financial budget.

Subscribe to a repurchase of credit: what to negotiate?

Subscribe to a repurchase of credit: what to negotiate?

In order to give you a better understanding of what can be traded in a loan buyback transaction, here is a list of the different points that are a plus when negotiating with the lender :

  • The interest rate is probably one of the most important indicators. Indeed, the latter coupled with the amortization period determine the total cost of the credit when it is fixed. So negotiating it down is possible, and it reduces the bill of money borrowed from the banking institution or the financial lender. Especially since it would be a shame not to currently take advantage of historically low-interest rates!
  • The expense repurchase credit file may also be trading down. They are the costs impacted by the lender for the investigation of the file by its financial analysts.
  • A repurchase of credit may be subject to early redemption at any time. So to avoid the costs associated with early repayment benefits (IRA), the ideal is to negotiate their cancellation upstream during negotiations with the bank. They are of the order of 3% for the real estate regime, and 1% for that to consumption.