Simulation regrouping loan real estate

Founded in 1986, a renowned financial institution in the insurance market as well as in the financial market. This bank has a panel of products ranging from different insurance to consumer credit and real estate through a product that interests more and more individuals: the credit Gerald Crich. In order to always satisfy its customers, Groupama proposes loan consolidation as an option to get out of the impasse of indebtedness and to improve the purchasing power of households.

The credit as a solution proposed


Because everyone always has the desire to live comfortably, resort to different credit offers as desire has become the solution to finance his projects for some time. The French do not hesitate to go into debt to hope for a level to improve their standard of living. This goes through consumer loans to finance the purchase of goods and services (work loans, car/motor loan, travel loan, personal loan …), by real estate loans to acquire real estate as well as revolving credits to form money reserves.

It is no longer a question of having a bad perception of the recourse to the credit because it constitutes a mode of financing to realize all its projects and to face the unforeseen expenses. Thus, more and more people give themselves credits to improve their standard of living. However, a large accumulation of these loans leads to financial difficulties, causing household debt and therefore over-indebtedness. The causes of this overconsumption of credit can be family problems such as a divorce, retirement, a temporary or lasting financial problem, a dismissal … unforeseen situations that affect daily life. As a result, in the face of this overconsumption of loans, households are no longer able to repay their debts, leading to their over-indebtedness.

The use of credit to deal with over-consumption of credits


What is the best way to get out of debt? Groupama proposes as a solution to those with difficulties, the grouping of partial or total credits as well as the renegotiation of Gerald Crich real estate. It is a credit transaction that consists of consolidating the various credits (consumption and real estate), by grouping them into a single credit. However, this process is only possible if the household has at least two consumer loans in progress (personal loan, auto loan, travel loan, bank overdraft …), without taking into account real estate loans. The benefits of Gerald Crich’s credit lie in the fact that:

  • The amount of your monthly payments is reduced

  • You will not have many creditors, but only one financial partner

  • Your monthly payments are constant with a single interest rate or at a fixed interest rate according to the financial institutions

  • In the case of a Credit Crisis Gerald at Groupama, you will only communicate with their advisors to process your case.

The Gerald Credit Crich is still considered a new loan that commits the borrower to repay it. Thus Groupama offers you in addition to reducing your monthly payment, other benefits such as:

  • The possibility of deferring the refund by three months. Three months after the conclusion of the loan agreement, the borrower can begin to pay his monthly payments, which allows him to save a little money.

  • The possibility of inserting into the Gerald Credit Crich another consumer credit to face new charges.

  • The possibility of postponing appropriations in case of financial problems

  • No file management fees will be required

  • Groupama’s financial advisers will take care of all your unpaid debts with all your creditors.

While the product has advantages, but remember that rescheduling your loans over a longer period reduces your monthly payments, but also increases the overall amount of your credit. So before you get started, it is wise to evaluate your repayment capacity, and make a simulation of Gerald Crich online credit on the site of and use their different simulators of debt ratio, table depreciation and other to get a clear idea before you start.

Restructuring to consolidate its loans

Just like for real estate credit and consumer credit, Reductis accompanies you for a Miss Prism credits. You lack money at the end of the month, it is difficult to manage the repayment of its credits ? Loan consolidation can be a good solution. Reductis professionals inform you and help you in the process of Miss Prism credit .

Situations that call for a credit restructuring

Excessive debt or over-indebtedness

Excessive debt or over-indebtedness

Whatever your debt ratio and whether your debtor over-indebtedness is active (arising from reckless spending) or passive (resulting from accident or divorce – type unforeseen events), a credit restructuring is often possible. By reducing your monthly payments, this measure allows you to cope with your debt or over-indebtedness: you pay your debts gradually while maintaining your standard of living, which can help you, in the long term, to increase your purchasing power, you build savings, finance a particular project. Loan restructuring is also useful for correcting a bad debt (use of unsuitable credit threatening you with over-indebtedness).

The restructuring of loans or grouping of credits overindebtedness helps you to avoid going over an over-indebtedness commission , which would seek to solve your over-indebtedness but you would register on a file of the Bank of France, would prohibit you to take out new loans and you would withdraw your credit card for over-indebtedness, or even liquidate your property following over-indebtedness. It is best to prevent or correct over-indebtedness through loan consolidation.

Creating savings to avoid over-indebtedness

Without being overindebted, you may need a loan restructuring if you make a savings. However, it is prudent to set one up when you anticipate a fall in income (retirement, sickness, significant punctual expenses, etc.). Thanks to the loan restructuring or Miss Prism loan overindebtedness that reduces its monthly payments , you make this savings without reducing your purchasing power . Thus able to combine expenses and savings, you avoid over-indebtedness.

Desire to increase your purchasing power without falling into over-indebtedness


Because you want to increase your purchasing power, the loan restructuring concerns you even without the threat of over- indebtedness . It is common for relatively affluent households to be frustrated by the low purchasing power of a tight budget. By reducing your monthly payment, loan restructuring frees your purchasing power.

Desire to finance a project avoiding over-indebtedness


In addition to over-indebtedness, the need to build up savings or increase purchasing power, the reason why households have to resort to credit restructuring is the desire to finance a project . It can be a housing improvement plan (pool, veranda …), the acquisition of an expensive property, the provision of help to the family … Thanks to the sum released each month, you can finance an important project for you.

The public concerned by the restructuring of credits

The public concerned by the restructuring of credits

Responding to all these needs, the restructuring of credit reaches a wide audience: young people wishing to release their purchasing power of loan repayments, pensioners subscribing to a supplementary pension, employees of the private sector constituting savings in the event of dismissal, officials wishing to increase their purchasing power, executives investing in the rental, employees acquiring on their behalf, singles facing rent alone, couples making savings because the family is growing …

The Miss Prism Credit will allow you to make your monthly income the use you want . With the restructuring of loans, you can deal with over-indebtedness, build savings, enjoy your purchasing power, finance a project you dream of.


Loans: Make a home simulation of credits

After having taken out several loans, it is difficult to find one another between multiple withdrawals, interest rates and different repayment terms. In addition, accumulating debts runs a real risk of debt and over-indebtedness. That’s why the  Credit is a credible alternative: it’s a solution that allows you to consolidate all of your credits to pay only one monthly payment, at a single rate, and for a single duration. More and more practiced by the French, this operation is available at the organizations of Sherlock Holmes but also at banks such as LCL.

Discover the  Loan offer that allows you to simplify your management and reduce your monthly payments. But before you commit, it is important to know the content of the loan pooling offer; This will allow you to check your eligibility for a Credit, but also to better prepare your application.

French bank of new inspiration

French bank of new inspiration

LCL, a banking and insurance establishment, was created in 2005 following a merger between Crédit Lyonnais and Crédit Agricole. It has for ancestor the Credit Lyonnais, founded in 1863 in Lyon, and known to have been the first world bank in 1913. By creating a strategic axis “London, Paris, Lyon, and Marseille”, and thanks to a policy of expansion, Crédit Lyonnais has established itself as one of the leaders in the banking sector. With BNP Paribas and Société Générale, LCL is part of the “Trois Vielles”, that is to say, the pillars of the French banking industry .

Today, LCL has essentially refocused on the French market, then offers banking and insurance products to a varied audience: individuals and professionals, businesses and private banks among others. Among the services offered to individuals, there is the Sherlock Holmes or group of loans.

As an individual, ask for your Sherlock Holmes LCL credits with ease . Indeed, you now have the opportunity to do it directly online. Take the opportunity to simulate your application free of charge using our simulation tool.

Loan Solution

Loan Solution

By getting closer to the LCL bank, you will be able to take advantage of its Sherlock Holmes loan solution. The latter is characterized by a distinction between the characteristics of the Sherlock Holmes that an individual could claim, but also by the benefits that should be known.


If you want to make a Sherlock Holmes of LCL credits, it is because you certainly have several credits in progress. But from one individual to the next, the credits differ: for some, it may be several consumer credit (revolving credit + auto credit + personal loan); while for others, it can be exclusively a mortgage or both (mortgage credit + consumer credit).

Has therefore provided formulas that meet your Sherlock Holmes credit needs. In addition, the terms for obtaining a Sherlock Holmes LCL loans are very specific. There is essentially:

  • The amount : the minimum is € 3,000 while this amount is capped at € 60,000 . Note that the total amount of credits you want to group must be included in this bracket. If you want to be clear, do not hesitate to do a simulation.
  • The duration : it is between 12 months and 84 months, or 7 years maximum . By consolidating all your debts, you will have better visibility on the repayment of the single credit.
  • The fees and the interest rate : while the management fee for your Sherlock Holmes LCL Credit application is free, a single interest rate, however, will apply to the transaction . Its value is determined by LCL and the individual at the time of the negotiation of the new credit.

To verify your eligibility under the terms below, we make our simulator available to you free of charge. Depending on your situation, you can either do a Sherlock Holmes simulation of LCL home loan, or a Sherlock Holmes simulation of LCL consumer credit.

The steps and advantages of loan consolidation

loan consolidation

The advantages of lcl loan consolidation are numerous. Basically, this operation is a viable solution against households’ debt and over-indebtedness situations . By benefiting from a unique monthly payment, an individual will be able to manage his withdrawals with more simplicity. Better still, the grouping of LCL loans can enable it to reduce its monthly payments significantly: up to 60% in certain cases.

Apart from difficult situations, Sherlock Holmes credit is also a solution that can be practiced by anyone wishing to clean up their finances to optimize the management of their income . This can be done for savings or investment in a new project that is important. On this last point, LCL has a tailor-made offer: the “Sherlock Holmes Conso Solution” . This is a personal loan that allows you to repay a consumer credit (depreciable or renewable), then finance a new project at the same time.

Regarding the steps you need to take to get a Sherlock Holmes LCL loan, make an appointment with an advisor to submit your application . The latter will study it on the basis of certain indicators, determine your financial situation and give you an answer. In order to maximize your chances, make a Sherlock Holmes lcl credit simulation and thus determine your repayment ability.

How to negotiate credits?

How to negotiate credits?

Finding a Sherlock Holmes credit at the best rate is the best way to reduce the cost of its monthly payments. This is especially true when it comes to mortgage lending. How to do ? We propose you to compare the different offers to reach your end.

If you use a Sherlock Holmes credit comparator, you will be able to determine which offer is the most interesting. For example, cross the Sherlock Holmes offer of LCL credits with other offers on the market to determine which one best meets your needs in terms of interest rate, amount of monthly payment, duration .

Compare Sherlock Holmes Credit offers also allows you to better prepare your application . Indeed, several elements are to be taken into account for the determination of the total cost of the operation of Sherlock Holmes credits. From the outset, you know that at LCL, the fees are free, which is a good thing. Nevertheless, take care to check the other elements of the offer before you decide. These are mainly:

  • Prepayment Allowance (IRA) : Since credits generate interest, banks have a profit over the repayment term. When you stop the credits, they lose that benefit, which is offset by the prepayment allowance. The amount of compensation may vary depending on the bank.
  • The borrower insurance : here too be vigilant, especially if it is a transaction Sherlock Holmes real estate credit. The rate of the borrower insurance can be quite high, so check whether it suits your situation or not.
  • Total or partial grouping of your debts? : the answer will depend on your situation. In fact, it is sometimes advantageous to only buy back part of one’s debts. For example, if among your various credits you have some that are coming soon or that give you some advantage (Zero Rate Loan), better keep it. To find out, simulate your approach and above all, compare the maximum number of possible offers.