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Money Real Estate: one in two borrowers does not know whether their credit will be accepted

14:20  31 may  2020
14:20  31 may  2020 Source:   immobilier.lefigaro.fr

Housing: the fears of the French over their rent or credit deadlines

 Housing: the fears of the French over their rent or credit deadlines © AFP / Archives - JOEL SAGET real estate Nearly 6% of tenants and 17% of owners declare that they are in difficulty to meet their rents or monthly payments. Despite my government ( partial unemployment, solidarity fund for VSEs / SMEs, etc. .), Some French households face difficulties in paying their rent or repaying their real estate loan .

Credit Strong says borrowers who successfully repay a loan will typically see a 40-point increase in their Credit -builder loans offered by many credit unions typically make at least some of the money available right away, since Doing so, she said, can help people avoid becoming repeat borrowers .

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Accepté ou refusé? Pour près d’un crédit sur deux, les emprunteurs immobiliers attendent la décision de la banque. © Antonio Guillem / Shutterstock Accepted or refused? For nearly one in two loans, home borrowers are awaiting the bank's decision.

" Banks are not playing the game" or " are too careful ". This is the little music that rises among real estate experts (notaries, agents, promoters, brokers ...). They know that the recovery of the market is very much due to the goodwill of financial institutions. Without financing, no transaction. So what about in reality?

»READ ALSO - Loan refusals threaten the recovery of the real estate market

In April, banks admittedly refused mortgage less (13% against 17% in March) but they also accepted less (33% against 41%), according to Cafpi, one of the main mortgage brokers (see the graph below). The explanation? For almost one in two files (45% exactly), the banks have not yet given their decision. In March, that rate was 27%, according to Cafpi. Due to confinement and understaffing, processing times have increased. " This proportion will begin to decrease with the deconfinement ", specifies Philippe Taboret, deputy managing director of Cafpi.

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1 . for your first credit card try department stores or gas cards 2.shop around for your bank cards, fees vary 3.if you pay you bank card off monthly you don't have to worry about fees 4. if creditors offer no annual fees look for transaction fees 5. if you plan to carry a balance, look for the lowest APR 6.

a. Borrowers . Credit cards all use the same interest and finance charges. True False. a. Your overall credit line from multiple sources. b. Your perceived ability to repay your loans and debt. c. Something of value that you back a loan with. d. Interest payments that you have to make each year

It remains to be seen whether it will turn into accepted or refused files from May. Given the current context, the second option seems to be preferred. " There has been no loosening of the conditions for granting credit, the banks have even tightened them ," says this specialist in mortgage brokerage. Thus, files may be refused due to the borrower's industry. " Banks fear a surge in outstanding credit and litigation on existing outstanding , decrypts Philippe Taboret. Not all outstandings are guaranteed ”.

»READ ALSO - Real estate: a lasting rise in credit rates, worse scenario for buyers

This explains why the banks started to raise their mortgage rate . “ Despite numerous approaches to the authorities, openings to dialogue have remained unanswered , deplore the representatives of the mortgage borrowers. The increase in bank refusals and the contentious situations between intermediaries and lenders are becoming worrying ".

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some advantages of borrowing from credit unions. have free credit life insurance usually sympathetic to borrowers with legit payment problems provide personalized service. borrowing 100 $ for a year might cost you 10 dollars in interest if theres also a service charge of 1 dollar, finance charge will be 11.

Borrowers display their profiles on these sites, where investors can assess them to determine whether they would want to risk extending a loan to that person. Revolving credit refers to a situation where credit replenishes up to the agreed upon threshold, known as the credit limit, as the customer pays

Almost one in five borrowers (17% exactly) would no longer be able to repay their bank, according to a survey by Fintech Meelo. About one in four believe they will have difficulties. Figures that will no doubt reinforce the financial authorities in their decision to tighten access to credit. " The firmness of the banks on the debt ratio (maximum 33%) is such that we no longer present them with any file where it exceeds 33%, except in the event of exceptional income ", says Ari Bitton, CEO from Credit Leader.

»READ ALSO - Real estate credit: you will know if your project is credible with this certificate

To get into the nails, households must increase their contribution and for this, often revise their work budget down if there is one . " The market will self-regulate , says Ari Bitton. In France, you buy when you feel able to buy, unlike the United States ". As for owners in difficulty, they are looking to save . Since March 15, requests for insurance changes have climbed 35%, according to loan insurance broker Magnolia.fr. " The savings generally exceed 10,000 euros on the total cost of the loan, or 100 euros less per month ," said Astrid Cousin, its spokesperson.

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