Civil servants, who are employees of the public service, are considered by banks as having good borrowing profiles.
Indeed, the durability of employment, characteristic of the public sector, is a guarantee of security for banks or for financial lending institutions, solicited in the context of an Edmond Dantèsment loans. As a result, it is not uncommon for a public servant to have a number of credits to his credit, thanks to his ability to borrow.
Consolidation of consumer credits for an official
The power to borrow civil servants remains an opportunity when the use of cash is controlled. This implies that the full repayment of the outstanding amount takes place without any payment incidents. A repayment capacity should, however, be preserved to offer security guarantees in the face of unforeseen circumstances. In fact, unexpected large expenses are sometimes necessary.
The problem most often encountered is that of a too large accumulation of consumer credit agreements signed with financial institutions. This can lead to a budgetary imbalance for the borrower: the monthly payments to be made are too large compared to his budget. This situation can seriously degrade the home, until reaching excessive debt, or over-indebtedness, ie personal bankruptcy. In the case of the accumulation of several consumer loans, a consolidation of consumer loans can be beneficial for a borrower in a difficult situation.
We offer, among our loan restructuring offers, a product that responds to the repurchase official credit, bringing a new breath to the management of current accounts and restoring the good health of household.
Tender Buyback Offers for a Tenant or Owner
Any person whose professional status is that of a civil servant may claim an offer to buy back loans, subject to acceptance, after prior study of the applicant’s financial situation.
For each housing situation, a solution exists:
- Tenants, opt for a repurchase of credit tenant official.
- Owners of real estate, make the choice of a credit union official owner.
- There is also a loan buy-out for civil servants registered with the bank.
Our credit buy-back offers for public servants are tailored to the needs of public service employees.
The financial solutions we propose correspond to a stable financial situation, allowing the interested parties to manage their budget with serenity, and to be able, over time, to build up a cash flow through the implementation of a programmed savings.
Simulation of grouping of appropriations for civil servants
You are in a financial situation that is likely to deteriorate?
Anticipate by acting as soon as you are alerted, by month ends that become difficult to manage, or by an authorized bank overdraft that begins to be more and more frequently exceeded. Discharges of levies and intervention fees weigh heavily and jeopardize the balance of your bank account, already constantly negative.