Author: Justin Claude
- In the last stage, only Celeris and Banco Primus were left.
- A few days ago Celeris has informed his agents that he stops accepting debt consolidation operations.
The payday loan consolidation offered by bbb accredited debt relief companies is a type of financial product that consists of grouping into a single loan all the loans that you have.
There is a popular saying that says “the bank leaves money to those who do not need it” Although it is not the solution for all cases of over-indebtedness, it is useful for people who have become indebted with personal loans and cards in a moment punctual, to be able to continue paying the quotas of his mortgage and current expenses (for example when to have remained unemployed), and his economic situation improves (returns to find work).
The first thing is to negotiate the reunification of debts with the entity with which you have the mortgage of the habitual residence. We can extend the current mortgage to include other debts, give us a second mortgage that includes non-mortgage debts or cancels the current mortgage and grant us another that reunites everything (this is the most expensive option).
From four to one entity
If this option does not come to fruition, it is time to go to specialized financial institutions, either directly or through professional mortgage intermediaries. Financial institutions specialized in reunifying debts and loans offer more expensive mortgages, given that the risk of default of this type of clients is higher.
Until a few years ago one could go to a series of specialized financial entities, among which were:
- GE Money Bank (financial of General Electric)
- GMAC (from General Motors)
- Celeris Group (whose partners are savings banks)
- Banco Primus (based in Portugal)
In the last stage, there were only Celeris and Banco Primus. And a few days ago Celeris has informed his agents that he stops accepting debt consolidation operations.
A popular saying that ” the bank leaves money to those who do not need it ” becomes patent. When it is more necessary to have entities that offer debt reunifications, they disappear from the market.
It must be said that Celeris’ latest price rate was so expensive and restrictive that he almost invited not to work with them; to begin with, they only approved operations at 50% appraisal. And as for conditions, for the best client profile (in which they accepted up to 2 unpaid loan installments), the conditions were:
- Euribor + 6.95 (when in a normal mortgage the average would be at a Euribor + 1 or 1.5).
- Opening commission of 3.95% (in a normal mortgage ranges from 0 to 1%).
- 35-year term.
To get an idea of how expensive it was to reunify these prices, apart from taking into account the expenses of setting up the new reunification mortgage, it is enough to compare what gives us a “normal” mortgage and a debt reunification. Let us take an amount of 200,000 euros to 35 years.
The share of a mortgage for purchase-sale (Euribor + 1) would be 781 euros. The share of a reunification of debts with Celeris would have resulted of 1,575 euros.
More than double
A monthly cost difference of 794 euros, more than double. That a year is nothing more and nothing less than 9,528 euros. With these conditions, it was clear that little solution represented for over-indebted families. Hiring a reunification with these conditions was at least a financial suicide.
Just as banks grant mortgages to creditworthy customers, they have to provide mortgage loans to give a second chance to clients who have experienced financial problems beyond their control. Instead, at the time when debt reunification is most needed, entities stop offering this possibility to customers. And we all lose when a family stays on the street has been able to solve their financial situation by reunifying their debts.
Change in maintenance obligation 2018
The so-called Düsseldorfer table was introduced in 1962 by the Higher Regional Court (OLG) Dusseldorf. It has no legal force but has always served as a guideline for determining maintenance. The table is also recognized by courts and used as a benchmark for the maintenance calculation. It is made publicly available to parents via the Internet, thus providing information to fathers and mothers who are dependent on the amount of the monthly amount to be paid. On 01.01.2018 the maintenance rates will be adjusted. What has changed, we have summarized here for you.
You should know about the 2018 maintenance obligation
The increase of the minimum maintenance
Specifically, the amendments refer to the fact that children of dependent fathers or mothers are entitled to more money from 2018 onwards. The minimum maintenance in relation to the ages increases as follows:
- Children up to 6 years: 348 Euro (instead of 342 Euro)
- Children up to 12 years: 399 Euro (instead of 393 Euro)
- Children up to the age of 18: 467 Euro (instead of 460 Euro)
Unchanged remains the pay to be paid for children of age, who still live with one parent, at 527 €.
Crediting of child benefit
The child allowance is credited towards the respective need for maintenance: for underage children half of the cash support, for a full age child in full. As a result, the actual payment amounts decrease. The amount of child benefit in 2018 is as follows:
- For the first and second child parents receive 194 euros
- For a third child, the state pays 200 euros
- For the fourth and each additional child, there is a financial support of 225 euros
Example: The pay to be paid according to the Dusseldorf table amounts from 2018 in one child up to 6 years to 348 euros. Of that now half the child benefit must be deducted, with a child 97 euros (from 194 euros). This results in a payable child maintenance of 251 euros.
Raising the income groups
For the first time in 10 years, the maintenance obligation from 2018 will be accompanied by an increase in the income groups. Thus, the Dusseldorfer table starts with an adjusted net income up to 1,900 euros (instead of 1,500 euros previously) and ends at 5,500 euros (instead of previously 5,100 euros). Specifically, this means that the change in the maintenance obligation in 2018 will put many maintenance workers into a lower income group and will consequently have to pay lower rates.
Change the demand control amount
The needs control should ensure a fair distribution of income between the debtor and the dependent. This means that the father or mother to be paid may not be financially worse off than the child after payment of the maintenance. The demand control amount will also be increased under the modified maintenance obligation in 2018. In the first income group, it amounts to 1,080 euros and thus corresponds to the necessary deductible. In the second income group, the amount increases to 1,300 euros (instead of 1,180 euros so far). For all other groups, there is an increase of 100 euros. The principle of the demand control amount is applied as follows: If, after deduction of the maintenance contributions, the income of the debtor is less than the specified amount in the Dusseldorf table, then the debtor is automatically classified in the next lower income group. And so far down until the income is no longer below the demand control amount. You may have green Touch loan to help you financially better.
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- Written by: Justin Claude
- Category: Uncategorized
- Published: November 21, 2017
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- Written by: Justin Claude
- Category: Uncategorized
- Published: May 23, 2017
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