Debt consolidation · Cesano Maderno and Brianza
Debt consolidation: one payment instead of four
Four direct debits on four different days of the month, four dates to remember and a total that never quite adds up. Consolidation replaces all of it with one loan, one payment and one date.
Ci ha seguito passo dopo passo nell'ottenimento del nostro primo mutuo
- Kìron Partner S.p.A. · OAM no. M39
- More than 20 partner lenders
- 25 years of experience
This is for you if
You have several loans, revolving cards, personal credit or salary-backed borrowing falling due on different dates.
How it works
I request the settlement figures for the loans you are running, find the lender that takes them all on and follow the settlement of each one.
What you get
One payment and one date, with the instalment and the total cost put in writing before you sign.
- TermUp to 10 years unsecured, up to 30 with a charge on the property.
- DocumentsID, latest payslip or pension statement, settlement figures for the loans you are running.
- First assessmentFree and with no commitment: we look at whether it is feasible, at no cost and with no obligation to proceed.
On your own, or with me
Four payments that become one
On your own
- You ask the finance company you already borrow from
- Every attempt leaves a trace and worsens the next
- You look at the payment, not the total at the end
- You stay with 4 payments, 4 dates and 4 lenders
With me
- Settlement figures requested from every lender involved
- One application, put where your profile will pass
- Payment and total cost set side by side, before you sign
- 1 payment, 1 date, 1 lender — amount to be worked out together
The monthly payment almost always falls; the total interest, spread over more years, almost always rises. I show you both figures before you decide. If today's payment is manageable, sometimes it is better to leave things as they are, and I will say so.
Start here
How the consultation works
- 1First callHow many payments you make today, to whom, for how much longer, and what your net income is.
- 2Settlement figuresI ask each lender what it takes to close their loan and put both options to you, secured and unsecured, with the payment and total cost of each.
- 3Application and settlementsI submit the application to the right lender and follow the settlement of each old loan, one by one.
FAQ
Frequently asked questions
Does consolidation save money?
It brings the monthly payment down, which is often the real problem. On total interest, though, you almost always pay more, because the debt is spread over more years. I show you both figures. If the current payment is unmanageable, easing it is worth the extra cost; if it is manageable, sometimes it is better to leave things alone, and I will tell you so.
Can I consolidate a salary-backed loan too?
Yes, and it happens often. A salary-backed loan (cessione del quinto) has a settlement figure that takes account of insurance already paid and of any rebate, so it has to be requested and read carefully: it is one of the items where differences between lenders weigh most.
I have had late payments: is it still possible?
It depends on the type of listing. Isolated arrears that have been cleared are considered by several lenders; a listing still open on the credit register blocks any application, at any bank. On the first call we work out which of the two situations you are in, without losing weeks.
Do I have to put the house up as security?
No. Below certain amounts consolidation is done without touching the property. A charge is needed when the sums are large or when a long term is required to bring the payment down meaningfully. I put both options to you with the figures for each.
Can I borrow extra cash as well?
Often yes: many consolidations include an amount over and above the debts being settled. It has to be sized against the payment your income supports, or in two years you recreate the situation we are getting you out of.
Other services: Mutuo prima casaMutuo seconda casaSurroga mutuoCessione del quintoMutuo ristrutturazione
Who handles your case
Calogero Fortunato
Owner of the Kìron agency in Cesano Maderno · Credit broker
I have been doing this for 25 years. In that time I have learned one thing that really matters: the difference between a yes and a no almost never lies with the client, it lies in which bank reads their situation and how it is put to them.
- Kìron Partner S.p.A. — credit broker registered with the OAM under no. M39
- Via Borromeo, 29 · 20811 Cesano Maderno (MB)
- By appointment, including outside office hours for those working in Milan