Realize your real estate mortgage and online purchase simulation free of charge.
Simulate your purchase of credits.
1 Real estate credit amount € 2 Amount of consumer loans € 3 Need more €
Simulate and quickly obtain a feasibility notice
The simulation online is free, without registration (anonymous) without commitment. It will allow you to be informed of funding opportunities. Just select the amount of your current credits and a possible new need then validate. The result will be displayed and you can select the monthly payment that best suits your needs. There may be consumer credit as well as real estate loans in the total amount to be taken back, namely that two operations exist, the repurchase of consumer loans and the repurchase of mortgage loans. The operation is similar to a calculator or calculator, ie the data entered is then calculated according to the rates and duration of financing.
Once the amount of the monthly payment has been chosen, you have the option of completing your online loan consolidation application and / or receiving your estimate by e-mail. If necessary, our advisors are at your disposal to assist you in your efforts. You can contact them by dialing 0800 860 860 (free call from a landline) or completing the reminder form. In this case, a consultant will call you back according to your availability.
The importance of simulation
The pooling credit simulation is the first fundamental step, it allows to preview the amount of its future monthly payment even before starting your steps. This is a 100% free and anonymous service offered by Solutis, an intermediary in banking operations since 1998. Depending on your situation and your needs, our expert analysts will study your file with the greatest attention and will put all the chances of your side to get an agreement. The interest is to be able to obtain a first estimate without having to fill in an extended form, this is the major advantage of this simulation of the purchase of credits proposed by Solutis.fr.
In a few clicks, you can get a projection of the reduced maturity based only on the amount of credits to be taken back, on the amount of the possible new project and finally on the situation of the borrower, whether is the owner or tenant of his home. The result announces nevertheless remains a projection of the purchase of credits because it is based on the basic information of the borrower and does not enter into the detail of its financial situation. An average of the criteria proposed by the banking partners was carried out in order to propose a result closer to reality. There may be differences between the estimate announced by the online simulator and the pooling offer. It is therefore advisable to subsequently apply for a loan consolidation to confirm the results obtained, it is also free and without commitment. To simulate a credit, see this page.
Simulation repurchase of mortgage
This simulation is equally valid for a consumer credit purchase (simulation repurchase credit conso) that a repurchase of real estate credit, it makes it possible to obtain the estimation of reduced monthly rate according to the current rates practiced and the amount to be bought back. This simulation is also valid for a desire for renegotiation of real estate loan, buyback or consolidation of home loans. Of course, this free service has certain limits, particularly in terms of rates (APR, or debiting rate) because only an in-depth analysis will make it possible to determine the exact rate that it is possible to obtain in the context of a redemption. ‘real estate loan.
The calculation of the real estate mortgage redemption simulation is more complex than for a buyback of consumer loans because additional data are taken into account. The borrowers appreciate being able to simulate a result of monthly payment and duration but these elements remain approximate since it is necessary a human appreciation of the situation and a verification of the exact amount of the data to be able to define with precision the amount of the new expiry. Several elements may vary. First of all the criteria of partner credit institutions in connection with the consolidation of mortgage loans, the latter generally evolve each quarter, it is essentially the rates charged (borrowing rate, APR). Some criteria may also fluctuate in relation to the admissibility (minimum amount, guarantees, debt ratio, etc).
The calculator proposed by Fincer does not take into account the mortgage guarantee fees (or surety bond) which are based on the scales of the notaries, the amount of the expenses of file rests on an average rate, raised with the various establishments of credits. Also, variations may occur between the mortgage buyback simulation and the loan consolidation proposal. Finally, this simulator is accessible to all borrowers, individuals and professionals (company andconcerns all types of real estate loans knowing that it is possible to exclude certain credits with benefits (employer loan). Namely it is possible to buy a home loan used for an acquisition (building house, purchase in the old), a renegotiation or work (renovation, improvement, structural work ).