Debt consolidation
A single, lighter monthly payment to breathe again.
Consolidation (or buyback) of credits brings together several loans into one, with a single, generally lower monthly payment and a rearranged term.
Debt consolidation consists in paying off your existing loans thanks to a single new credit, whose monthly payment is recalculated — most often downwards, by extending the term. The result: a budget that can breathe and simplified management (a single direct debit, a single contact).
Be careful, however: extending the term reduces the monthly payment but may increase the total cost. It is a trade-off to make with full knowledge of the facts. In Belgium, these operations are governed by the Code of Economic Law (consumer protection, pre-contractual information). We analyse your situation free of charge and only propose a consolidation if it is genuinely to your advantage.
Warning: borrowing money also costs money.
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