from 8.45 %
Debt consolidation
Several loans running at once, a single monthly repayment. We look together at what this changes for your monthly budget.
What is your project?
- 4,4 out of 5, 83 Google reviews
- Independent broker, not a bank!
- 10 lenders compared
Your simulation
Debt consolidation
Your project
All your current loans
Drag the sliders, or click the pencil to type the amount or term directly.
€474.34
your monthly repayment
- Amount borrowed
- €30,000
- Term
- 84 months
- Borrowing rate
- 8.45 %*
- APR
- 8.79 %
- Total cost of credit
- €9,845
- Total amount payable
- €39,845
- Number of monthly repayments
- 84
* This is an average representative rate. A simulation is not binding: a broker from the office will call you back as soon as possible with a comparison in figures. Indicative annual percentage rate, subject to acceptance. A loan is a commitment and must be repaid. Be aware: borrowing money also costs money.
Our partner lenders
Useful if
- 1You are repaying several loans or credit cards.
- 2You want a single, clearer monthly payment.
- 3You accept that a longer term increases the total cost.
What exactly is debt consolidation?
Debt consolidation involves combining several current loans and debts (car loan, personal loan, card balance, sometimes an overdraft) into a single new loan, with one lender and one monthly repayment.
Consolidation does not remove the debt: it combines the loans into one, with a single monthly repayment. The term you choose determines the amount of that repayment.
Does my monthly repayment always go down?
Usually yes, because the total repayment term is extended compared with the sum of the original loans. A longer term, however, means a higher total cost of credit over the whole period.
We show you both figures, the monthly repayment and the total cost, before you decide. A consolidation that eases the monthly budget can cost more over time: it is a trade-off to make with your eyes open.
What happens to my current loans?
Once the new loan is granted, the lender repays your existing loans directly. From then on you have just one monthly repayment, on a single date, with a single point of contact.
The file goes through the same checks as an ordinary loan: income, expenses, your record at the National Bank's Central Individual Credit Register. Debt consolidation is still a loan, and commits you as one.
Mortgage consolidation or instalment loan?
When part of the debt to be consolidated is already secured by a mortgage, or when the total amount is high, mortgage consolidation can prove more advantageous than a simple instalment loan, in exchange for putting up a property as security. We assess both formulas according to your situation.
- Transparency at the heart of our commitment!
- Your monthly repayment, your borrowing rate and your APR are shown before you leave any details behind. Your contact information comes after, if you want to take things further.
- We compare, you choose!
- A bank offers you its own loans. We work with ten lenders: we compare their terms for your file and show you who accepts it, and on what terms.
- One point of contact through to signing!
- The same person looks after your case from the first call to the signing. They explain every condition before you sign.
What our clients say…
Read all reviews on GoogleJe suis vraiment très contente du service que j’ai reçu. Toute l’équipe a fait preuve d’un grand professionnalisme et d’une vraie qualité de service du début à la fin. Je me suis toujours sentie accompagnée et soutenue, avec une présence constante et beaucoup d’attention à mes besoins. On sent que chacun donne son maximum pour satisfaire les clients, et cela fait toute la différence. Je tiens à remercier tout particulièrement le courtier Monsieur Kubat Ali pour son professionnalisme, sa disponibilité et son accompagnement tout au long du processus. Son écoute et son implication ont été très appréciées. Un grand merci à toute l’équipe pour leur gentillesse et leur travail de qualité. Je recommande vivement !
Sirin Yildirim
Merci beaucoup à Pinar pour tous les démarches qu'elle a effectuée pour l'obtention de notre crédit! Dès le début elle a été présente, et une personne de confiance. De nos jours c'est tellement difficile de trouver un gestionnaire qui suit parfaitement ces dossiers pour la satisfaction du client. Merci encore!
Ciftci Baris
Excellent service, bon accueil, toujours disponible avec ses clients. Merci à vous Monsieur Bayram. Vous êtes quelqu'un d'exceptionnel et gardez toujours votre sourire et votre hospitalité. Franchement à recommander.
Chris Luedi
Protecting your project
Our partner insurers
Who will call you back?
Your request is handled here at Passage Charles Rogier by the person who will see it through to signing.
Rüstem Liman
Financial manager
Pinar Mugla
Sales associate, mortgages and insurance
Ali Kubat
Mortgages
Bayram Cakir
Mortgages
Bahar Celik
Instalment loans
Tolga Demirkazik
Insurance account manager
Sinan Yilmaz
Insurance account manager
We see clients by appointment, Passage Charles Rogier 10, two minutes from Rogier metro station.
02 203 24 34
Your questions
What happens to my current loans?
They are repaid by the new loan. You are left with just one monthly repayment, with a single lender.
Does my monthly repayment always go down?
It usually goes down, because the term is extended. But a longer term increases the total cost of the credit: we show you both figures before you decide.
Does a simulation commit me to anything?
No. It commits you to nothing, remains confidential and does not affect your record at the National Bank. You can run as many as you like.
How much does using a broker cost?
We are paid by the lenders and insurance companies, in the form of commissions, not by you. The details are given to you before signing.
What happens after I submit my request?
A broker will call you back as soon as possible. They will pick up your simulation, present your case to the lenders and show you who accepts it, and on what terms.
