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Proposition au consommateur

Proposition consommateur

Vous avez eu recours à une proposition au consommateur il y a plus de 2 mois et vous n’avez pas fini de la payer ?

Il est possible de régler votre proposition de consommateur en procédant au refinancement de votre maison. Si vous avez payé une partie de votre demeure, nous pouvons refinancer cette dernière jusqu’à 75 % et utiliser cet argent pour payer votre prêt hypothécaire actuel, ainsi que toutes les dettes incluses dans votre proposition de consommateur.

Sandra et Dominique ont eu des problèmes il y a 2 ans à rembourser leurs dettes quand Dominique a été mis à pied de son emploi.  Ceci arrive à plusieurs ménages et c’est une période difficile dans leur vie.

Sandra et Dominique doivent maintenant continuer à payer leur hypothèque qui vient à échéance dans quelques mois et ils sont très inquiets que la banque ne renouvelle pas leur prêt hypothécaire parce qu’ils ont fait une proposition.  Les règles des banques n’aident en rien les personnes qui ont eu des défauts de paiements sur leurs dettes.

Si la banque ne renouvelle pas le prêt ils seront obligés de vendre leur maison et de retourner en logement.  Personne ne souhaite retourner à logement, changer de quartier et de changer les enfants d’école.

A cause de la proposition, qui va durée 5 ans, Sandra et Dominique vont avoir beaucoup de difficultés à obtenir du financement pour leur voiture quand elle sera à terme. Ils ont actuellement une voiture en location dont la fin du bail est l’année prochaine.  Ça implique que leurs paiements de voiture leur coûteront plus cher l’année prochaine.

TOUS les prêts personnels coûtent plus cher quand on est en proposition au consommateur.

Et ce qu’il faut savoir c’est que c’est impossible de refinancer sa maison à la banque pendant la proposition et 2 ans encore après avoir fini de la payer. C’est très long et pendant ce temps, les taux d’intérêt coûtent très cher.

Pour éviter beaucoup d’intérêt pendant des années ( 7 ans ), nous avons en place une stratégie pour Sandra et Dominique pour raccourcir ce délai à 2 ans seulement.
Dans 2 ans, ils seront éligibles comme tous les consommateurs au meilleur taux bancaire.

Mais pour cela, il faut payer la proposition au consommateur rapidement.

En refinançant la maison, nous avons pu payer la proposition et ainsi réduire leurs paiements et SURTOUT les libérer tout de suite des paiements de la proposition et leur permettre de payer rapidement leurs dettes restantes.

Imaginer, vous pouvez réduire jusqu’à 5 ans votre mauvais crédit et le transformer plus rapidement en un crédit que les banques vont aimer.

Ça vous donne 5 années de moins dans votre vie avec de gros taux d’intérêt et l'assurance de conserver votre maison à des coûts raisonnables.

Comment vous qualifier pour un prêt après une proposition de consommateur ?

Tant que vous n’avez pas fini de payer votre proposition de consommateur, les banques refuseront de vous accorder un financement hypothécaire.

Toutefois, il existe des solutions pour refinancer votre propriété

Exigences minimales :

  • Avoir commencé à faire les paiements depuis plus de 2 mois.
  • N’avoir aucun retard à votre dossier de crédit depuis le début des paiements (cela inclut les frais d’utilisation de votre téléphone cellulaire, vos cartes de crédit et votre hypothèque actuelle).
  • Le refinancement à 75 % de la valeur marchande de votre propriété doit payer toutes vos dettes (hypothèque et proposition restante).
  • Vos revenus doivent être suffisants pour vous qualifier.

Conditions d’admissibilité :

  1. Posséder une maison.
  2. Payer la proposition de consommateur depuis au moins 2 mois.
  3. N’avoir aucun retard depuis le début de l’entente de remboursement.
  4. Avoir des revenus qui sont non seulement stables, mais que vous pouvez prouver.
  5. L’ensemble de vos dettes ne doit pas dépasser 75 % de la valeur marchande de votre propriété.
  6. La propriété doit être dans un très bon état et situer dans une ville de plus de 25 000 habitants dans la région de Montréal ou de Québec.

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Notre programme de location achat vous permet de demeurer dans votre résidence actuelle et de remonter votre pointage de crédit afin d'obtenir un financement hypothécaire auprès d'une banque.

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