Financing

Loans, refinancing and consolidation

Over the course of their lives, many people build up a number of small debts through all kinds of credit products.

No-obligation consultation

Consolidating loans

Car or motorbike
Renovation
Hobby equipment
Holiday

One loan

with a single repayment

Where debts come from

There can be many reasons

Buying your own car or motorbike

Starting your own business

Buying equipment for your hobbies

Renovating your home

Paying off debts

Investment plans

Holidays

And more…

Why act in good time

Small debts, a big impact on cash flow

Let us set aside for now whether it is wise or unwise to pay for the examples above with a loan. The aim here is not to judge that, but simply to state the reality.

Gradually accumulating what at first glance look like minor commitments can have a significant negative effect on your household's cash flow. That is why it pays to start looking at loan consolidation at the right time.

By consolidating your loans correctly – and above all in good time – you are likely to secure not only a more favourable interest rate, and with it considerably more manageable repayments, but also a better standing with lenders in terms of your record in bank and non-bank credit registers.

Consolidating in good time brings

A more favourable interest rate
Considerably more manageable repayments
A better record in bank and non-bank credit registers

Both of these factors matter not only for the cash flow already mentioned, but above all when you need to prepare for a bigger commitment – typically a mortgage to buy your own home.