{"id":24787,"date":"2025-05-15T10:03:42","date_gmt":"2025-05-15T08:03:42","guid":{"rendered":"https:\/\/lica.ch\/?p=24787"},"modified":"2025-11-16T12:13:23","modified_gmt":"2025-11-16T10:13:23","slug":"private-loan-buyback-discover-how-lica-can-help-you","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/rachat-de-credit\/rachat-de-credit-prive-decouvrez-comment-lica-peut-vous-aider\/","title":{"rendered":"The benefits of private loan refinancing with Lica!"},"content":{"rendered":"

Navigating the financial world can be confusing, especially when you have to manage several loans at once. Personal loans, consumer credit and other debts can quickly pile up, making them difficult to manage. Fortunately, there's a solution: private credit repurchase.<\/p>\n\n\n\n

Private credit buyback consolidates all your debts into a single loan<\/a>. It's a convenient way to manage your finances. And simplified management is just one of its many advantages!<\/p>\n\n\n\n

In this article, we'll explore these benefits in detail. We'll also look at why Lica<\/a> is your ideal partner for private credit repurchase. After all, we have a decade of experience in Swiss private credit.<\/p>\n\n\n\n

What is a private credit repurchase?<\/h2>\n\n\n\n

Before examining the benefits of private credit repurchase, let's define the term. Also known as \u2018credit consolidation<\/a>\u2018In other words, it combines several debts into one. So, several obligations become one. By understanding this concept, you can better grasp its advantages.<\/p>\n\n\n\n

The main aim of a private credit repurchase is to simplify the management of multiple loans. But there's more to it than that. It also offers substantial advantages. It's an effective strategy for improve your financial situation<\/a>. This is particularly useful if repaying various debts becomes difficult.<\/p>\n\n\n\n

Interest rate reduction<\/h2>\n\n\n\n

One of the most attractive advantages of a private credit repurchase is the possibility of reducing the cost of the loan. interest rate<\/a> of your debts. When you have several loans, each has its own interest rate, which can vary considerably. Some may have relatively low interest rates, while others may have exorbitant rates. So it's crucial to always compare private credit offers<\/a> before you commit!<\/p>\n\n\n\n

By consolidating all your loans into one, you can benefit from a lower average interest rate. This means that over the entire term of the loan, the total cost of your debt<\/a> could be significantly reduced.<\/p>\n\n\n\n

Let's take an example to illustrate this point. Suppose you have three loans with interest rates of 8%, 10% and 11%. By consolidating them into a single loan<\/a> at a lower average interest rate, say 8%, you'll save on the total cost of your debts. This can save you thousands of francs over the life of the loan.<\/p>\n\n\n\n

To make this explanation more meaningful, here's an example in table form.<\/p>\n\n\n\n

List of debts<\/strong><\/td>Open amounts<\/strong><\/td>Monthly payments<\/strong><\/td><\/tr>
Bank \u00abA\u00bb with a rate of 8%
For 60 months<\/td>		CHF 14\u2019500.00<\/td>CHF 294.00<\/td><\/tr>
Bank \u00abB\u00bb with a rate of 10%
With a term of 84 months<\/td>		CHF 30\u2019000.00<\/td>CHF 498.05<\/td><\/tr>
Bank \u00abC\u00bb with a rate of 11%
Over a 48-month period<\/td>		CHF 50\u2019750.00<\/td>CHF 1\u2019311.70<\/td><\/tr>
Totals<\/strong><\/td>CHF 94\u2019750.00<\/strong><\/td>CHF 2\u2019103.70<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
\n

With a private credit repurchase, you can save up to CHF 631.00 each month on your monthly payments!<\/p>\n<\/blockquote>\n\n\n\n

Once you know your total monthly payments, all you have to do is compare them with the new monthly payment for your future financing. In this example, for a private loan of CHF 94\u2019750.00, the new monthly payment could be CHF 1\u2019472.10. You could save up to CHF 631.60 every month!<\/p>\n\n\n\n

A private credit repurchase can improve your credit score<\/h2>\n\n\n\n

Another key advantage of private credit repurchasing is the possibility of improving your credit score. Your credit scoring<\/a> is a measure of your financial credibility, and is often used by lenders to evaluate your ability to repay a loan<\/a>.<\/p>\n\n\n\n

Having several outstanding loans makes you a risky borrower in the eyes of lenders. This can make it difficult to obtain new loans in the future. However, by consolidating your debts into a single loan, you appear less risky, which can improve your credit score.<\/p>\n\n\n\n

There's a key point to emphasize. Improving your credit score has lasting implications for your financial health. In fact, a higher credit score opens the door to more best interest rates <\/a>on future loans. As a result, this could translate into significant savings over the long term.<\/p>\n\n\n\n

Lower monthly payments<\/h2>\n\n\n\n

Lower monthly payments are another significant advantage of a private credit repurchase. When you have several loans, you have to make several payments each month. Each of these payments can be high, which can weigh heavily on your monthly budget.<\/p>\n\n\n\n

By consolidating your loans<\/a>, If you take out a mortgage, you can spread the repayment over a longer period, which can significantly reduce the amount you have to repay each month. This can ease the monthly financial burden and allow you to use the money saved for other expenses.<\/p>\n\n\n\n

There is, however, one aspect to bear in mind. Spreading your payments over a longer period means more interest paid on the entire loan. So it's crucial to think carefully about this approach. Before proceeding with a private credit repurchase, discuss it with a trusted financial advisor<\/a>.<\/p>\n\n\n\n

Consolidate your loans for cash flow <\/h2>\n\n\n\n

Lastly, a private credit repurchase can enable you to obtain more liquidity<\/a>. When you buy back your credit, you can ask for an additional amount. This additional amount can be used to finance a personal project<\/a>, like renovating your home or taking a trip.<\/p>\n\n\n\n

This is an important advantage, as it offers a degree of financial flexibility. Rather than taking out a new loan to finance a project, you can simply use the money you've obtained through your credit repurchase. This can enable you to realize your projects while maintaining a stable financial situation.<\/p>\n\n\n\n

Why choose Lica for your private credit repurchase?<\/h2>\n\n\n\n

Having detailed the advantages of private credit repurchase, you might be wondering: why choose Lica? With over a decade of experience in private credit in Switzerland, Lica is a partner you can trust<\/a>. We understand that every financial situation is unique, so we're committed to finding the credit repurchase solution that best suits your needs.<\/p>\n\n\n\n

Whether you are looking to reduce your monthly payments, obtain a lower interest rate or finance a personal project, we are at your service.<\/p>","protected":false},"excerpt":{"rendered":"

Naviguer dans le monde financier peut \u00eatre d\u00e9routant, surtout lorsque vous devez g\u00e9rer plusieurs cr\u00e9dits en m\u00eame temps. Les pr\u00eats personnels, les cr\u00e9dits \u00e0 la consommation et autres dettes peuvent rapidement s’accumuler, rendant leur gestion difficile. Heureusement, il existe une solution : le rachat de cr\u00e9dit priv\u00e9. Le rachat de cr\u00e9dit priv\u00e9 regroupe toutes vos […]<\/p>\n","protected":false},"author":8,"featured_media":27742,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-24787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rachat-de-credit"],"_yoast_wpseo_focuskw":"Rachat de cr\u00e9dit priv\u00e9","_yoast_wpseo_title":"Rachat de cr\u00e9dit priv\u00e9 - D\u00e9couvrez comment Lica peut vous aider !","_yoast_wpseo_metadesc":"Un rachat de cr\u00e9dit priv\u00e9 peut r\u00e9duire vos mensualit\u00e9s et augmenter vos liquidit\u00e9s. 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