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Credit buy-back: what future for retirees?



With the increase in the cost of living, a large number of people are seeing a decrease in their purchasing power, including retirees who have little means of modifying their standard of living.

With the increase in the cost of living, a large number of people are seeing a decrease in their purchasing power, including retirees who have little means of modifying their standard of living. The question of anticipating the cessation of professional activity is therefore a priority for retirees and future retirees.

Purchasing power: an important concern for retirees

Purchasing power: an important concern for retirees

The purchasing power of households has not stopped declining since the start of the 2008 crisis and the latest measures announced for 2015 are not to curb the phenomenon. Several increases have already been announced. Among them, the increase in the price of gas and electricity, the increase in the housing tax of up to 20% for some or the increase in the price of insurance and complementary health. So, even if supplementary pensions have been paid monthly since the start of 2014, this year again, we should expect a reduction in the purchasing power of retirees.

Credit consolidation to lower your monthly payments

Credit consolidation to lower your monthly payments

Fortunately for seniors, solutions exist. Among them, the repurchase or the regrouping of credits is essential as a solution of choice to face the difficulties and the risk of over-indebtedness. With the redemption or consolidation of credits, retirees can reduce their monthly repayment in order to adapt them to their new standard of living. In return, several possibilities of guarantees can be requested such as the mortgage guarantees of the house or the transfer on retirement (withdrawal of the monthly payment directly from the retirement pension).

Where to get it?

Where to get it?

Lender offers credit repurchase solutions adapted for retirees. Our vocation is to support seniors who wish to anticipate the drop in their income. This demand is strong, since last year, they represented ¼ of our customers. If you are already retired, this is not at all a hindrance, since 17% of our clients are retired. By making a request, we will be able to find a solution adapted to each of your situations.

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