Make a purchase of credits when you are professional
The redemption of funds is not a financial solution restricted to employees: a profession may well consolidate its outstanding debts, including tax and social security.
Being professional is managing both a personal budget and a professional budget, that is to say, many monthly payments and expenses.
Mr and Mrs L were married, rent their homes and have a dependent child. The monthly household income amounted to 5350 euros and is Ms. profession.
They have a personal loan and four cash reserves, their debt ratio of 44% is too high to finance a building project without unbalancing their budgets.
Credit substitutes introduced through a redemption of credits allowed them to resume overdraft, free up cash that will have personal and allow them to rapidly achieve their real estate project with a better profile of borrower.
The redemption of credits has been made over a short period of 5 years.
The redemption of credits is also an effective management tool for professionals who juggle managing two budgets.