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Renegotiating with your bank or refinancing elsewhere

A way to check what has landed — no marks, no account · 1 section · 151 words · 3 min

Test yourself

Question 1 of 3

What separates a renegotiation from a refinancing?

Renegotiation changes the existing loan, refinancing replaces itRenegotiation concerns variable rates, refinancing fixed onesRenegotiation is free, refinancing is not

Question 2 of 3

In which order should the two steps be taken?

Ask your own bank first, then look elsewhereObtain a quantified refinancing offer first, then put it to your bankDo both at once and tell nobody

Question 3 of 3

On which indicator should two proposals be compared?

The monthly instalment obtainedThe remaining total cost, fees of the operation includedThe headline nominal rate

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Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.