Credit Consolidation
Simplify your financial management with our credit consolidation. A single monthly payment for all your financing.
What is credit consolidation?
Credit consolidation consists of combining several ongoing financing (mortgage, consumer credit, revolving credits) into a single credit with a unique, generally more advantageous monthly payment.
This financial restructuring operation allows you to simplify your budget management, reduce your monthly payments and regain peace of mind in your wealth management.
Financing Conditions and Credit Features
Financing Amount
Up to 200,000 euros
Total amount of consolidated credits
Repayment Duration
Up to 25 years
Adjustable repayment period
Annual Percentage Rate
From 2.9% APR*
Optimized single interest rate
Credit Guarantee
Mortgage guarantee
Depending on amount and situation
Benefits of consolidation
- Single monthly payment : Only one monthly payment to manage
- Reduced payments : Reduction up to 50% of total monthly payment amount
- Released cash flow : Restoration of your savings capacity
- Simplified administrative management : A single credit institution for all your financing
- Additional cash flow : Possibility to obtain additional funds
Eligibility conditions
General access conditions
- At least 2 credits under repayment
- Total minimum amount of 20,000 euros
- Regular and verifiable income
- Debt ratio compatible with your financial situation
Financing application preparation
- Amortization schedules of all existing credits
- Valid borrower insurance contracts
- Proof of income for the last 3 months
- Complete wealth declaration
Required documents
Identity documents
- Valid identity document
- Proof of residence less than 3 months old
- Family record book or proof of family status
- Main bank account details
Proof of income
- Last 3 pay slips or proof of income
- Last income tax notice
- Bank account statements for 3 months
- Declaration of movable and immovable assets
Current credits
- Loan contracts under repayment
- Amortization schedules of all credits
- Valid borrower insurance contracts
- Latest credit account statements
A credit commits you and must be repaid. Carefully check your repayment capacity before committing yourself.
Important legal information
- *APR: Representative example: consolidation of 3 credits totaling 80,000 euros, new financing of 90,000 euros over 180 months at APR of 4.8%, 180 monthly payments of 500 euros, total credit cost: 90,000 euros.
- Duration: Extending the repayment period increases the total cost of the credit.
- Guarantee: Mortgage or surety depending on amount and wealth situation.
- Insurance: Death and disability insurance mandatory, unemployment guarantee strongly recommended.
- Cooling-off period: Legal withdrawal period of 14 calendar days.
Simplify your financial management
Regain peace of mind with a suitable credit consolidation solution