You must be an owner.
In this case, redemption of credit is a mortgage on your property.
Otherwise, you get the same advantages: you pay your credits, property and consumption, you lower your monthly payments by extending the repayment term.
Redemption prohibited bank credit is usually the best solution before the final stage of indebtedness, before the banking prohibited. Do not wait to come to this end because then you will have great difficulty convincing a company to repurchase credit to help you get that wrong direction. Remember the adage: "it does lend to the rich ... .
By cons, if you find that your financial situation continues to worsen, do not expect the bank not to consider a takeover of credit. Being a long term solution, why not compare all the offers that might be proposed. Generally, all organizations offer online credit solutions debt consolidation.
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