In close collaboration with the largest banking institutions on the market, the credit broker negotiates the best offer for his clients looking for the best offer. Better understand the work of an intermediary in banking operations!
How does your expert advisor in credit restructuring conduct the examination of your file? Find out what is the internal processing process for a loan consolidation file!
An in-depth analysis of the client file
Your Ficamont Finance advisor has a duty to advise individuals looking for a refinancing solution. Any proposal made must be in the interest of the client (s) above all else.
The in-depth analysis of a loan consolidation file by an expert advisor makes it possible to assess upstream whether a financial package is possible, and to the advantage of the applicant (s). This part of the instruction determines the profile of the subscriber (s).
According to the borrower profile (s) previously obtained by different financial ratios (debt before and after household operation, remainder to be lived per person, keeping of bank accounts, repayment period, etc.), the file is sent for study to a selection of banking partners.
Mandated by the largest banks specializing in loan repurchase, Ficamont Finance puts your file in competition with the aim of giving you the best current offer for a credit consolidation at the best rate!
Processing of a credit redemption file
In order to be able to enable the client file (s) to be examined by a bank specializing in loan repurchase, your loan restructuring broker transmits the information to its banking partners. A properly tied file and a file quickly processed and finalized!
A first computer filter which scores the file according to the lender's acceptance standards. A step in the instruction necessary to determine whether the client file (s) is pre-accepted or refused.
Scoring is a capture of information about customer demand (s) focused on budget (income / charges and expenses), as well as the type of housing occupied (owner or tenant), etc. This is preliminary data in the case.
Then comes the stage of taking charge of the file by a financial analyst. One or more requests for additional information or supporting documents may be issued by the bank analyst. This allows him a better understanding of the client file (s).
The last step is once the investigation is completed to present the file to the Commitments Committee for decision. In case of refusal of funding, the file stops there. Conversely, if the file obtains a favorable opinion, then the bank proceeds to the edition of the credit consolidation offer.
Borrowers receive the loan repurchase offer at their home in order to be able to read it. Once the cooling-off period has passed, the offer can be returned to the bank.
Please note, the funds are managed exclusively by the lender. It is the credit redemption organization that reimburses your previous creditors . In no case, the borrowers can not collect the total payment of the financing on their account to proceed themselves to the repayment of the debts to be settled.