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What is the purchase of credit?

The purchase of credit, as its name suggests, can consolidate loans. So why the word "redemption"? It simply means that a company or a bank or financial institution, will you buy your credits.
In fact, the credit redemption is to consolidate all credits you have running, whatever the type of credit (mortgages, consumer credit , revolving credit, etc. ..).

The acquisition of credit will allow you to collect your monthly payments into one single amount. Why consolidate your loans you may ask? The main goal is to reduce the monthly total of your credits, either by increasing the amount of stipends, either by lengthening the time duration of your monthly payment.

In fact, instead of having several loans, often of different agencies with different sampling dates requiring you to juggle, you will have a single amount charged on a fixed date, so a single contract as well.

The purchase of credit is also a good way to get a fixed rate. In most cases, your loan rate for a mortgage will be significantly lower (and many) at the rate of consumer credit and revolving credit. Here, your overall fixed rate may be, in some cases, renegotiated downward. You can finally breathe.

With a single monthly payment, you'll also get a better view of your debts and will not have to add each sample as in the past. Your monthly budget will seem more clear, you're your own manager.

By lengthening the duration of your monthly payments, redemption of credit will allow you to reduce your monthly expenses then rebalance your budget. Sometimes you will even be able to save.

You do you realize that the purchase of credit will be your guardian angel? A decrease in your monthly payments or a longer duration.

Whatever your decision, the repurchase credit you will cope with the vicissitudes of life (a decrease of income, job loss, change in family status ...). It is also your guardian angel because your situation may change favorably (a first birth, expansion of the family, a career change etc. ..). Do the math!

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Historicity of CLAL

the mid-1990s, social housing needs are becoming more acute. Several battles are conducted. In late 1990, a group of women decided to establish a housing committee to meet certain community needs that are particularly relevant housing law and housing. On March 3, 2000, the Committee housing, development and women is officially formed. The majority of its members are women and this organization is run by women. Not until late 2002 that it changed its name to have a better chance obtain charitable status and help to all tenants in its sector. He thus became the Committee housing assistance to tenants .

Since spring 2002, the housing shortage that hit the region led the CLAL develop the psychosocial component to tenants. Thus, as our name indicates today we are a committee housing " help " to tenant s .

Our organization, which relies heavily on aspects of mutual aid, education and development social housing offers front-line service. We provide assistance that contributes to poverty alleviation by promoting the development of social housing. We are always looking for vacant land to develop such projects.

assets and present in the community, committee members noted that much of the clientele is composed of seniors and immigrants. Often vulnerable, these people need support and support given their greater awareness of their rights as a tenant. We want these people to be active in society, and we believe this starts with the their rights.

Finally, we develop guides, information leaflets and put up educational workshops. All this is intended to inform tenants, assist in defending their rights and promote the development of social housing. We encourage consolidation to break the silence and isolation.