Are you planning to buy back credit to reduce the weight of your monthly payments and combine them into a single withdrawal? To support you in this process, call on a specialist. The role of an IOB (Intermediary in Bank Operations), just like a broker in repurchase of credits, is to find for you the best offer, by soliciting its partners. First interest, that of benefiting from this famous “best offer”. But in concrete terms, what can he offer you that you could not obtain yourself? Is he really the only one who can get an attractive offer? Here are the 5 real reasons why you should go through a credit buying professional before signing an offer.
Reason number 1: benefit from the support of a professional loan repurchase
The first reason is very simple, and concerns the assistance you can benefit from. Consulting an Intermediary in Banking Operations is like asking the opinion of an expert in a specific sector. Whether it’s insurance or buying back credit, the reasoning is the same.
By hiring a specialist in the profession, you can be sure that your file is in the hands of a professional who will be able to identify the specifics of your situation. In addition, as a professional, he will have an advantage over an individual to negotiate the rates. Thanks to his knowledge of the market, he will be able to compete and directly contact the organizations likely to offer you the best offers according to your file.
Reason number 2: your time is precious, hire a professional
Hiring a loan consolidation pro is not only a question of expertise, it also saves time. Once the organization chosen and your file in its hands, you just have to wait for its results. Really ? Yes, you do not have to multiply meetings or prepare multiple presentations to convince banks. He takes care of everything.
But you don’t just save time by not going around the banks in the region. The processing of your request will also be less time-consuming, the banks undertake in fact to respond quickly to the iob, because they are trusted partners, and present files consistent with the expectations of the banks.
Reason number 3: an organization acts only in your interest
Although they work in close collaboration, the relationship between bankers and intermediaries is free. The credit repurchase organization is in no case subject to a bank, it is an intermediary between the various financial institutions and its client. Its role is therefore to advise you and offer you offers tailored to your situation.
Your interest must necessarily take precedence over any other consideration.
You thus have the assurance of being in a “win-win” relationship. He is there to help you find a way out.
Reason number 4: he can save a difficult file
Its independence is particularly important when it comes to managing a difficult file. Looking for a loan buyout is sometimes a last resort for clients who are struggling to keep their finances afloat. Without the support of a professional, these complex profiles often risk having all their requests refused.
The IOB is responsible for optimizing your chances and presenting even the most difficult cases in their best light. An experienced negotiator, he will also be able to present a solid front against bankers who fiercely defend their own interests.
Reason number 5: your specialist can also offer you additional services
Finally, he may offer you additional services in the search for credit redemption. You can for example benefit from online support in your procedures. You save even more time since you do not have to travel. He can also help you find and negotiate better borrower insurance, particularly in the context of a mortgage.
And of course, he will be available to answer all your questions on the functioning of the credit repurchase and your loans. Unlike a bank advisor, you have the added bonus that these advices are given in your interest since it is, let us remember one last time, in-dependent.