A borrower who has all his bank accounts online and “himself” managing his accounts can quite use a redemption of his credit via the internet, without having to change bank direct debit. The repurchase of loans can be done through an online bank or via a banking intermediary.
Online banking: a service more and more solicited
According to a 2015 study of the dematerialized bank market, 1 in 10 French people declare themselves to be customers of an online bank. This market is growing significantly and households are succumbing to these offers that make it possible to remotely manage all of their accounts. The applied rates are the first asset put forward by individuals who are also attracted by the offers reserved for new customers, including the payment of a sum of money on the online account. Savings on account maintenance fees are therefore the main attraction of online banking, as well as ease of management and responsiveness to opening the account. The French seem more and more receptive to the point of estimating that 7 out of 10 households will be customers of an internet bank.
Real estate credit, consumer credit and online banking
In terms of credit management, online banking allows you to turn to the institution and the desired organization, without having to contact the dematerialized bank. This was already the case with the retail bank, having a physical agency but in this way, the user can proceed as he wishes to apply for a loan. The management of the mortgage or consumption is done directly online through its private area, the borrower can follow the withdrawals and the release of funds in real time. Some online banks also offer bank credit offers on the same principle as offers online accounts, with reduced fees and preferential rates. It can also be consumer loans, real estate loans or even buy back credits.
Credit Redemption and Online Banking
The repurchase of credit consists in taking back one or more loans in order to review the conditions of repayment, it is generally a question of lengthening the duration of repayment and reducing the amount of the monthly payment which becomes unique. There are different ways to redeem loans with or without an online bank. Some online banks offer loan buyback offers (real estate and consumption), these offers are sometimes restricted to certain loans only (real estate for example) and the feasibility criteria are limited to certain borrower profiles (owners, significant income). , etc …).
It is possible to redeem its loans through a bank intermediary, which works with several credit institutions, which allows it to offer the best offers of consolidation of loans on the market. Thus, the repurchase of the loans can be done independently of the online bank, that is to say that the borrower keeps his bank domiciliation and he can have his credits pooled with a bank intermediary. Good to know: it is recommended to conduct an online simulation (free and without commitment) to compare the offers of intermediaries and banks online, it allows to compare and select the best financing.