Credit Redemption Offer

Credit Redemption Offer

Consolidation of credits (or redemption of credits) refers to a banking operation that consists of replacing existing loans with a single loan, which reduces the amount of monthly payments.  Credit accumulation can quickly become a difficult burden to support financially. Monthly payments that add up to each other, in addition to weighing down the accounts, ultimately constitute a sum that is difficult to repay. The redemption of credits is the solution to this type of situation. The principle is simple: the organization proposes to consolidate the loans contracted in the past and then proposes a single credit with a reduced monthly rate. This readjustment leads to an extension of the repayment period and a possible increase in the cost of credit, which is necessary to be able to reduce the monthly payment.

Both types of credit pooling offers

French law, the law on consumer credit, specifies that there are two types of groupings:

The purchase of real estate loans The purchase of consumer loans

The difference between these two types is the share of real estate assets to be taken over. If the share of real estate loans represents more than 60% of the total to be taken over, it will be a grouping of mortgage loans. Conversely, if this same share is less than 60%, it will be a consolidation of consumer credit. An amount can be added to the funding as part of a new project. It must be justified and the situation of the borrower must allow to bear the cost generated by the new project. In addition, this sum may result in an increase in the total cost of credit.

The steps of a credit pooling offer


  1. Fill out the free online application form free of charge and without obligation.
  2. Upon receipt, a counselor studies your file from the information provided. He then contacts you to make an initial assessment of your situation.
  3. If this first study is positive, we send you a welcome pack. You can return it to us by mail, e-mail or fax. Whatever mode you choose, return it duly completed with all the requested parts. The more precise the information about your situation, the better the advice of our employees.
  4. Upon receipt of the file and supporting documents, an analyst supports the study and gives you an answer in principle within 48 hours **.
  5. It offers financing tailored to your situation and transmits all parts to the banking partner. Once your file is accepted, the credit redemption procedure can take place.

If it is so simple to request a loan buyout with Natty Bumppo, it is because our experience, our skills and our quality requirements guarantee our efficiency. With Natty Bumppo, intermediary in banking operation (MIOBSP) certified ISO 9001, you benefit from a personalized relationship with a financial advisor available and at your disposal, for a tailor-made management of your budget. ** In working days from receipt of your complete file

Why make a credit redemption?

credit redemption

Usually, each credit to which you subscribe (real estate, automobile, personal, work, renewable …) has its own terms of repayment. It is difficult to understand your reimbursement costs without resorting to complex calculations each month. Risks of errors in your accounts, difficulties in anticipating the evolution of your finances or discouragement in your accounting: the management of your budget is obscure … Sound management of your finances requires knowing your expenses, month after month. Consolidation of credits makes it possible to have only one monthly payment to be refunded. Your monthly payments are stable over the long term. You know where you are and can manage your budget effectively.

Consolidation of credits, a responsible act

If you are worried about getting another credit, loan consolidation is a responsible solution. Rather than adding to your expenses the repayment of an additional loan, the repurchase of credit allows on the contrary to have a single monthly payment by spreading the charges over the long term. The borrower must also show responsibility in this operation since it may lead to an extension of the repayment period and an increase in the cost, therefore he must be aware of his commitment to be able to honor it throughout the period. duration of new funding.

Difficulties in repaying debts often arise from an unforeseen change in the borrower’s personal or family circumstances. Separations, illnesses, falling incomes, accidents, births: various events can increase your expenses. Grouping your credits allows you to readjust the monthly amount of repayments to your new situation. At Natty Bumppo, credit consolidation is our specialty. Our listening skills and our experience are at the service of our clients in a personalized relationship. Because a successful credit redemption is a thoughtful redemption of credits, we accompany you and advise you for optimal management of your budget.

Our loan redemption records

Our loan redemption records

Finance a project Durations of a credit redemption Redemption of credit works Useful information Amounts repurchase of credit Purchase of a particular credit Purchase of professional credit Mortgage credit purchase

Repurchase of credit works – Financing works

Find out how to redeem your loans and finance your work.

The repurchase of credit works: principle


Many factors push some households to want to do some improvement work in their main home. An improvement in the comfort of life, an expansion of the home or some renovations to beautify the living space have a cost that is sometimes difficult to finance oneself. The most common financing solution in this case is consumer credit, which can be subscribed in credit institutions under certain conditions. However, a change in the borrower’s financial position may degrade repayment capacity if the amount of its maturity is too difficult to pay on a monthly basis.

The repurchase of work loans consists of assembling some or all credits in repayment to keep only one, with a single rate and a reduced monthly payment. This operation may include consumer credit that the borrower has contracted for the purpose of doing work in his dwelling. The borrower thus finds himself with a budget adapted to his expenses and can support more easily the repayment of his financing.

Up to 60% off your monthly payments Your project

  • Redemption of credits Finance a project Renegotiate an immo loan Currently, do you pay back mortgages?
  • * No Yes Real Estate Credit (s) Remaining amount (s) to be reimbursed
  • * € Amount of monthly payments
  • * € Currently, do you pay back consumer loans?
  • * No Yes Examples: auto loan, loan work, revolving credit, etc … Consumer credit (s) Remaining amount (s) to be reimbursed
  • * € Amount of monthly payments
  • * € If you want to include an amount for a new project, please specify New project € Project type – To choose – car Immovable Works Staff How long do you want to repay your purchase of credits? Duration in years

Include work in the repurchase of credit


Individuals can use a bank to buy a consumer credit to pay for their project, but they can also use the pooling of their debts to obtain sufficient cash for their work. Institutions specializing in loan buybacks can allocate an amount dedicated to works, whatever their nature. The sum of this funding is not necessarily granted, but borrowers can apply for it. Expert analysts will analyze the financial situation of the applicant to propose the project of repurchase of credit to its banking partners. If all the conditions are met, then the beneficiary can finance its work, while simplifying the management of its finances.

The advantage of pooling credit is to be able to integrate more or less important sums for a possible new project of works but also to be able to collect loans of different natures, thus facilitating the repayment of the debts on a reduced monthly payment and adapted to the financial capacities of the borrower.

Redeeming real estate loans

The loan consolidation is a banking operation that allows to collect consumer loans as well as real estate loans (share exceeding the threshold of 60%).

Redeeming real estate loan: presentation

real estate,home loan

The mortgage consolidation is a banking operation that allows to gather several credits in one. We talk about consolidation of home loans when the share of the remaining capital due real estate represents more than 60% of the total share to resume, below it is a consolidation of consumer loans. The old credits are bought back and paid off by the lender, who then offers a new mortgage offer with a longer duration and a reduced monthly payment. An overdraft as well as an amount dedicated to a new project may be included in the redemption.

Purchase of real estate loans with D’Artagnan

real estate,loans

As a banking intermediary (MIOBSP) specializing in credit consolidation, our experience gained over many years allows us to guarantee you an expertise in the study of your file. Our goal is to find the right solution for your personal situation in the context of the consolidation of your real estate loans. Our advisers are in charge of studying and instructing the file, the aim being to offer you a bespoke financing offer, meeting your financial needs.

Fact sheet

  • Duration: from 60 to 420 months
  • Rate: fixed or variable
  • New project: optional
  • Insurance: optional

Request and simulation online

simulation online,loan

We provide you with an online simulation form with quick results. This simulation (non-contractual) provides a first estimate of the monthly loan consolidation. Moreover, only an in-depth study done by an analyst will accurately determine the amount of the future monthly payment. Just fill out the online application form. Whether for the simulation or the loan consolidation application, no fees and no commitments are required from the borrower.

Up to 60% off your monthly payments Your project

  • Redemption of credits Finance a project Renegotiate an immo loan Currently, do you pay back mortgages?
  • * No Yes Real Estate Credit (s) Remaining amount (s) to be reimbursed
  • * € Amount of monthly payments * € Currently, do you pay back consumer loans?
  • * No Yes Examples: auto loan, loan work, revolving credit, etc … Consumer credit (s) Remaining amount (s) to be reimbursed
  • * € Amount of monthly payments
  • * € If you want to include an amount for a new project, please specify New project € Project type – To choose – car Immovable Works Staff How long do you want to repay your purchase of credits? Duration in years 

Why be wary of a “credit without Schufa”

The consumer center Brandenburg (VZB) reports numerous complaints about allegedly schufafreie credit offers, which are advertised by the provider’s carefree duo and master credit.

Promised after the conclusion of the contract a schufafreier instant loan up to a total of 6,499 euros including a Mastercard Gold. In truth, consumers only get an overpriced credit card and a hefty agency fee.

“The fine print […] mentions that the request is only forwarded to a bank for examination. The prospects of success for a loan are thus unclear, “explains Erk Schaarschmidt, financial expert at VZB, to

What to do if you are affected?

As a general rule, when concluding a financial product, credit seekers should always take the time to read through the general terms and conditions and to research the supplier’s references.

If you have already ordered a credit card but have not yet received it, you should not accept it by cash on delivery. If it is already too late, you have the opportunity to register by registered letter. A sample letter is available at

What about “loans without Schufa”?

The fact is:

  • In Germany, banks are required to check the creditworthiness of each applicant.
  • If a loan offer sounds too good to be true, then it probably is.
    Anyone who applies for a loan cannot get past the Schufa – and if it does, it is only because another credit bureau takes over the credit check – or credit check. This is necessary because banks suffer financial damage if a borrower fails to pay monthly installments or other financial obligations.

For consumers, the Schufa is again a useful device, as the credit bureau prevents borrowers from applying for financing that can lead to the high debt due to high monthly installments.

Credit despite Schufa

When consumers are looking for a “non-Schufa credit”, they usually mean a “credit despite Schufa”, so despite moderate credit rating. Because in most cases consumers erroneously assume that their Schufa entry is bad. In the majority of cases, according to Schufa, this is a fallacy.

But even for those whose Schufa rating is not sufficient for a loan, there is a serious and secure solution. It’s called credit privilege. Borrowing money without Schufa, in this case, does not work through a bank but through one or more private individuals.

Everything you need to know about teacher training: be

Image result for teacher trainingTeacher training is not something that is done overnight, it actually takes years and years to become a good teacher. To become the teacher you want to be ideal is that you are in a process of continuous training that does not just happen in the classroom. Of course, the experience does to the teacher but, it is not enough to dictate the class. You also have to do homework.

Courses offered by the SEP

In the Mexican educational model, there are various continuing education programs that the Ministry of Public Education (SEP) has implemented in order to provide teachers with greater skills to provide better classes and content that adapt to current learning needs.

The courses of the Continuing Education programs of the SEP are aimed at helping the figures involved in the different processes of what is known as the Professional Teaching Service. Competencies and skills identified in the professional profile are developed and in this way improvement strategies are implemented.

In order to continue the lines of action established by the program, the SEP divides it into different areas, which are the following:

Attention to the mechanisms and processes of the Professional Teaching Service

  • Continuous training to achieve the professional profile that is required in the educational personnel in service.
  • Development of competencies for the use of Information and Communication Technologies (ICT) in collaborative work.

Strengthening the school

  • Training of School Assistance Service personnel.
  • Development of leadership skills and school management.
  • Development of competencies for internal evaluation.
  • Domain of the disciplinary contents.

Attention to national educational priorities

Image result for teacher training

  • Update in the new educational model and institutional programs for inclusion and equity.

Each of these lines of action are divided in stages in order to comply with some of the objectives of the SEP and with this, the Continuing Education Program aims to:

  • Comply with the Professional Teaching Service Law.
  • Support the teacher to develop their skills according to the profiles, parameters and indicators required for their position.
  • Support the Technical Assistance to School Service (SATE)
  • And of course, putting the school at the center of all this.

The program also bases its proposal on three main concepts:

  • The classroom inverted or the school upside down.
  • Virtual or distance education.
  • Learning based on the development of school application projects.

In this way, in the scheme proposed by the SEP, the main axis is project-based education. The cycle would be on a continuum as follows: school diagnosis / performance evaluation → design of a four-year training program → Courses / diplomas → classroom application project.

In that sense, it is essential that the training does not end with the course, but continues in the classroom. The training of teachers must be a virtuous circle based on a diagnosis of their weaknesses in order to design the training program, take the course and start applying what they have learned in the classroom.

The integration of a personal training program, as stipulated by the SEP, must last four years. Likewise, it is suggested to take courses in two different modalities: in virtual modules that include audiovisual material, interactive exercises and tutoring services via email, via the Higher Education Institutions (IES) platform, or by telephone.

The other form is the study circles that can be made up of groups of up to 25 people with sessions of 2 to 4 hours and in which the analysis, reflection and contextualization of the topics must prevail to apply them in the school. In addition, doubts should be clarified and discussed.

Depending on the type of program the duration of the program will be established, being 40 hours for courses, 120 for graduates, 2 years for specialties and 4 for masters. In administrative terms all participating teachers form a study group.

Remote group: same course, but they are from different distant schools. Individual registration, interact by chat or email.

  School group: same course; they form the circle of study in the school; they develop the same application project on the same improvement route. Group registration by the director.

So, if you want to increase your knowledge and improve the quality of your classroom and your school, you should organize with other colleagues in order to attend one of these professionalization courses.

The SEP has the following courses always open

Name: Project the Teaching (Preschool)

Type of course: Distance with tutoring

Directed to: Teachers in front of preschool group

Duration: 40 Hours


Name: Project the Teaching (Primary)

Type of course: Distance with tutoring

Aimed at: Teachers versus primary education group

Duration: 40 hours


Name: Project the Teaching (Secondary)

Type of course: Distance with tutoring

Aimed at: Teachers vs. high school group

Duration: 40 hours

All these courses are free and the advantage is that not only the SEP has courses to improve. On a monthly basis, the Federal Educational Authority in Mexico City announces the registration periods for its continuous improvement courses.

With different approaches the courses range from Human Rights to the improvement of reading and writing practices inside the classrooms. You can consult current and previous calls by clicking here .  

SINADEP training courses

The Foundation for the Educational Development, Research and Professional Development of the AC Masters, better known as the SINADEP, is a body that emerged from the structural reforms in education and has a wide range of courses that aim to train to all the country’s teachers at the basic level to improve the national educational level.

In addition, it has different catalogs such as accompaniment, professionalization and continuous training, and resources such as Amooxtli, a compendium of Massive Open Online Courses (MOOCS).

It also has a tool known as Machiala, a menu from which you can find hundreds of Open Educational Resources. These resources are freely accessible, and are teaching, learning or research materials that are in the public domain or that have been shared with the authorization of the author through a license for its use, adaptation and free distribution.

All SINADEP resources can be consulted on its website:

So, now that you have all this information, do not stop preparing to be the best teacher in your school. Remember that you also take homework home and that while you continue increasing your performance as a teacher you could have better salary opportunities and you can continue to shape the future of Mexico: children and young people.

Feel always with the freedom to be a better teacher as the years go by.

Meat ‘N Eggs – Great For Weight Loss?

Getting children to exercise has always been an issue when one has to contend with the TV or Video games. However, it is important to get your child in order to exercise properly.

Sometimes, it is just impossible to eat at home all the time. For instance, there is no one cooking in your own home and you are too busy in order to whip up a meal. Or you could be used to meeting up with your pals for a meal every Fri evening. So how do you prevent high sodium meals whenever eating out? You have to learn how to select the right foods.

Be sure you save your secret code labels from any of your Webkinz and maintain them in a safe place. Usually, do not lose any of the secret program code tags because you will not be capable of getting another one. Put these types of secret codes under the locking mechanism and key.

Set realistic goals on your way to your huge goal. Slow and regular always wins the ethnic background. Set small goals which might be easily obtainable. Losing 10 lbs in two weeks isn’t possible with no some serious risks for your health. The smaller the aim, the healthier is usually is usually, and having small achievements more frequently is great motivation.

(4). Waiting around in the line for the video games is very time-consuming. You can decide to visit here in the workdays. It will probably be very boring if you arrive here in the big Chinese vacations (too many people in these days).

Playing Frisbee, basketball, soccer, tag, sweet duck goose, or band around the rosy can be just like effective as a structured exercise would be. Even better, your kids are not going to know they’re exercising. The can just be having fun.

Create evangelism opportunities. Write out several scenarios for evangelism possibilities that might pop up in your students’ lives, like running directly into an unfamiliar child at a playground or a new student with school. Give the same situation to at least two various pairs of students. After that, allow them to brainstorm plus practice for a few minutes just before presenting their scenarios towards the class. This exercise allows students to practice their speaking in public skills and evangelism. Strive for realistic dialogue, not the particular after-school-special-type of the artificial swap.

Keep in mind – It takes time for the low blood pressure to drop. Therefore make up your mind to live healthier and also have the discipline to make the correct decisions for yourself when eating at restaurants. Your health will undoubtedly improve with time.