Debt Consolidation Loan, to have only one monthly installment


The Sen Bank debt consolidation loan is aimed at people who have entered into multiple loans and who wish to pay them off through a new and unique loan to have only one monthly payment. 

With Bankate it is possible to extinguish the active loans by combining them in a single solution with conditions that can be more advantageous extending the total duration of the repayment period of the sum. By choosing debt consolidation it is also possible to request additional liquidity without justifying the request.

Characteristics of the consolidation loan

Characteristics of the consolidation loan

The loan with debt consolidation allows you to have a single installment for all debts incurred.

With Bankate it is possible to have:

  • A lighter installment. Extending the repayment period of the new loan;
  • One monthly installment. It is possible to obtain a single loan by early repaying the installments of other loans in progress.
  • Lower rate. the rate of Bankate may be more advantageous than that of the loans you have in progress. 

The loan consolidation can be requested by employed workers (public and private), retired and, in the event that the consolidation is requested through a personal loan or a mortgage, even by self-employed workers.

What is the Consolidation Loan

What is the Consolidation Loan

Bankate allows you: financing consolidation; extinction of current loans.  Bankate is in fact the loan created to consolidate the amount of the various loans with a single amount. 

In this way it is possible to have a single installment to be incurred at the end of the month, which can be lighter by lengthening the repayment period of the new loan.  Asking Bankate, in addition to paying off the current loans, you can also get an additional sum without giving reasons. 

The installments and rates are fixed for the entire duration, customizableaccording to your needs. 

To whom the Consolidation Loan is dedicated

To whom the Consolidation Loan is dedicated

Bankate is dedicated to all those who want to live more serenely without having the thought of too many monthly installments.  Bankate responds to the needs of those who are already in the course of financing and, against a new demand for liquidity, do not want to pay additional installments. 

With Bankate it is possible to obtain a single loan with a single monthly installment which allows the other ongoing installments to be paid in advance and to have the required liquidity. 

The Consolidation Loan is simple to request. 



Discover the advantages of Bankate: 

single monthly payment: at the end of the month there will be no more payments to be made but only one installment to be paid. In this way it is possible to eliminate also all the expenses required by the bank for the payment of the installments of the loans in progress;

  • in addition to paying off the current loans, with Bankate it is also possible to request additional liquidity, without giving any reasons;
  • possibility of extending the duration up to 120 months;
  • installments and fixed rates, inclusive of all expenses;
  • no mortgage guarantee required;
  • Sen Bank also assesses the requests of those who have had bank problems;
  • Sen Bank, where permitted, offers you the free service of extinguishing the previous loans.

Long Term Loan

Personal loan up to CZK 250,000 with high availability

Personal loan up to CZK 250,000 with high availability

Why go to the bank for money when you can get it much easier? Sit in the comfort of your own home, fill out the online form and get money for the bill. Such a scenario is presented by the non-bank Personal Loan, which speaks openness, benevolence and reliability.

Receive a sum of money from CZK 4,000 to CZK 250,000 with a maturity of up to 84 months . This is an option that will undoubtedly be appreciated by anyone who has a regular income of different sizes. Of course, the most common types of applicants are regular employees, entrepreneurs, but also pensioners.

Personal loan repayment table

Personal loan repayment table

Loan Amount Repayment period Monthly installment Interest rate APR Total to pay  
CZK 100,000 60 months 2 299 Kč 13,45% 14.4% 137 940 CZK I am interested in

Representative example: Do you need CZK 250,000 to buy a car or renovate a property? Then the Personal Loan is the ideal choice. Get a loan of this amount with a maturity of 48 months, with an annual interest rate of 16.49% and an APR of 17.9%. The regular monthly installment will be CZK 4,290. You will collect a total of CZK 205,920.

Loan with positive rating

Loan with positive rating

Bet on a long-term proven solution with hundreds of satisfied clients behind it. To do this, add even more transparent business conditions, clear contract documents and you have selected. The Personal loan will satisfy you in all respects.

The advantage of this non-bank loan is the fact that you can arrange it without the need to seek a guarantor or property pledge, so you do not endanger your property or property of your loved ones. This also affects the speed of approval of the request. You will receive the money in the most convenient way through a cashless transfer to a bank account.

A $ 250,000 Personal-loan will help you fund any thing because it is a non-purpose loan. An affordable loan where you can use money for anything. Fill out the online application and you’ll be halfway to the money you need.

Credit Over-indebted for Debt – Loan Consolidation

The appeal of the French who had been indebted to over-indebtedness to avoid FICP filings led to a decline in the use of cash loans by 32% in 2006 and 34% in 2007. Personal loans rose by quarter thanks to the grouping overindebtedness. Credit card revolvings and overdrafts dropped sharply by 2.6% between 2006 and 2007.

The use of over-indebtedness at the right time saves the borrower the risk of being in debt distress. In fact, the number of over-indebtedness files filed in December 2007 was down 5.6% from December 2006. In total, the number of files filed in 2007 decreased by 1.1% compared to 2006.

There are two kinds of rates for an overindebtedness: the fixed rate and the floating rate. A of credits with a fixed rate is easy to pilot since it allows you to know in advance the duration and the monthly payment and the total amount of the refund. On the other hand, with a variable rate, you will have the amount of the first monthly payment and an estimate of the duration that will be adapted according to the variation of the rate.

To have an in case of over-indebtedness variable rate, we must know the mechanism of the latter. It breaks down the bank’s margin which is fixed and the Euribor the most commonly used index for credit and the Jacob Marley real estate credit (overnight money market rate). Be careful if a Jacob Marley establishment by Jacob Marley offers you a very low variable-rate grouping at the beginning and which increases significantly over time to make up the gap from the beginning.

Finally, choosing the best rate for credit to avoid an over-indebtedness situation is a decision to make depending on the character of the borrower and also his or her needs and goals.

The Credit represents a solution for people who suffer from “Too Many Credits”. It is a question of substituting one or more already existing credits by a single credit, at a lower rate, depreciable over a single period inadequacy with the income of the official. It is obviously possible to renegotiate all kinds of credits: real estate credit, consumer credit, personal credit … etc.

The over-indebtedness in France


In France, over-indebtedness is growing. Like its European neighbors, France has seen the number of filings of debt overhang increased greatly since the crisis of 2008. The revolving credit (called revolving credit) to help some households to obtain credits easily and sometimes by pushing individuals into deep debt thus exceeding the threshold of 33% of indebtedness.

The over-indebtedness

For over-indebtedness is designed to get out of debt distress without going through a personal bankruptcy (over-indebtedness commission).

The overindebtedness allows the over-indebted people to get out of their unbearable situation without going through the commission of over-indebtedness. Indeed, the of your credits allows you to group your credits into one. To have only one single interlocutor. But also to renegotiate its monthly payments with the financial institution to lower the monthly payments. This drop (sometimes up to 60%) will free up the purchasing power immediately available for your home. This reduction in monthly payments will increase your overall repayment by several years.

Tools for simulation of overindebtedness are available online. They are free and without commitment. Simulations allowing you to get a quick answer to quickly find out what you can get from a in your situation. However, we must warn you. Jacob Marley’s Jacob Marley is above all a credit. And any credit commits you and must be repaid.

Why opt for a credit?

Why opt for a credit?

Such an operation will allow you to reduce your monthly payments up to 60%, which means for you an opportunity to build savings and finance your purchase, investment or leisure projects (Go on a trip).

Generally, you can benefit from a mortgage refinancing that is to say the grouping of your credits in a course that they are real estate, consumption or revolving … or benefit from a refinancing of consumer loans gathering all your loans contracted for the purchase of your car for example.

The difference between the two types of refinancing is that the repayment of the first can be up to 30 years while the second type is spread over a period of 10 years.

Who can benefit from credits?

Anyone can request a regrouping of their credits, however people in a situation of forbidden banking do not have this possibility.

Which organization should be consulted?

You do not have to apply for consolidation with your bank, a third party can provide the transaction. Feel free to compare offers of overindebtedness before you commit.

Overindebtedness, what advantages?


Using the Jacob Marley credit overindebtedness is not exceptional at present, given the growing number of homes in difficulty: the over-indebtedness arrives quickly because if the expenses are higher than the incomes, the one-third monetary ones allowing to remain in a balance of budget are quickly overwhelmed. Over-indebtedness is often due to a mishandled use of credits, which are sometimes transformed into credits.

If this is no longer enough to “pay off” the debt you can contact some specialized financial organizations in these cases really catastrophic. You ask for help and advice, so you can start by doing a simulation Jacob Marley credit over-indebtedness to properly view all outstanding, all capital remaining due, rates that “sink” your ability to repay, etc.

The results of the loan for indebtedness

The results of the loan for indebtedness

Before setting up an overindebtedness, some customers find that the deficit of their accounts is close to 90% … It is indeed high time to do something, and with the supervision of a broker in Credit, you develop a debt settlement plan. Thus, in this way, you can see through the  Credit Overindebted simulation that everything is calculated to help you get your head out of the water, regularize your loans and have enough to earn a decent daily living.

For indebtedness allows you to lay down actually all your loans, all your expenses, all your allowances, wages, allowances perceived. Be honest and do not omit any information, in this kind of extreme debt situation, the broker prefers to know everything and can bring you the solution that will really help you to leave this unpleasant status of person over-indebted … Besides, because or as a result of all this, you can be, or already have, Bank of France …

Our advice for overindebtedness

loan debt

The fact is that banks or credit organizations that offer the opportunity of a credit overindebtedness are rare, so treat your Jacob Marley simulation overindebtedness credit; put all the assets on your side, know that this can happen to everyone: studies say today that more than 30% of people doing a simulation Jacob Marley credit overindebted are in this situation following a period of unemployment. And/or as a consequence of the separation of torque.

Previously, over-indebtedness records were much more established due to abuse and accumulation in credit allocation, specifically revolving. Now, with the code of ethics of brokers, the details are given in simulation of overindebtedness, it is simpler and more discreet too, to deal with an over-indebtedness crisis.

Simulation Over-indebtedness

A simulation of over-indebtedness credit lets you know if you can subscribe to a credit application while you have a lot of debt. The Credit consists of clearing all your outstanding loans with the help of an organization specializing in credit consolidation. In return, he grants you a single loan to pay only one monthly payment generally less heavy than the previous ones.

Why do a simulation of over-indebtedness?


Are you looking for funding for a project that is close to your heart when your finances are in the red due to a problem of debt overindebtedness? You want to go on vacation, finance the study of your children or just avoid getting screwed by all banks in France? Do a simulation of credit for overindebtedness.

With an online credit simulator, you can instantly discover the financing you can get from your current banking situation. The main advantage of an Online Debt Credit Calculator is that everything is anonymous. No need to feel ashamed to sincerely communicate the status of your credits, especially since the false information may cost you the coveted funding. You only have to provide your personal information once you have found the offer that is right for you.

From the data you provide, your financial institution can present you with a financing offer that details: all the money owed, the total cost of the repayment once your loans are consolidated, the sum of your new monthly payment, the new interest rate, and the repayment term.

As a bonus, you do not have to go through an intermediary and pay extra fees. If your file is successful, the funding process can begin as soon as possible.

How does a credit crunch simulator work?


A simulation of over-indebtedness credit works as a personal broker who assesses the status of your finances in order to know whether or not you can qualify for a loan consolidation transaction.

The process is relatively simple. Thanks to a detailed information form, you communicate to your future financier the details of your income as well as the charges that you must pay (all credits in progress and other debts). This information will allow you to establish your monthly budget and to calculate precisely the amount of your leftovers to live.

Following the simulation, you can compare the before and after refinancing of your credits and concretely evaluate your possibilities with a clear vision of your financial situation. However, all the figures announced in a simulation of over-indebtedness are not definitive. Firm credit proposal will only be announced once you have provided all the required documents and your file is accepted.

Feel free to use our simulator to check your eligibility. Before fixing a choice on a particular credit formula, compare various credit offerings before or after debt distress on the market to benefit from the best product.