Debt Consolidation
One loan. One monthly payment. Up to 50% less in monthly repayments.
3.2%
APR from — Competitive fixed rates
200.000 euros
Maximum loan amount available
25 ans
Flexible repayment duration
What is debt consolidation?
Combine all your existing loans into one — mortgage, personal loans, revolving credit. One monthly payment, often reduced by up to 50%.
Fewer accounts to manage, more capacity to save. SOFIES's consolidation solution adapts to your situation and restores your financial peace of mind.
Loan terms and features
Loan Amount
Up to €200,000
Total amount of loans consolidated
Repayment Term
Up to 25 years
Flexible repayment term
APR
From 2.9% APR*
Optimised single interest rate
Security
Mortgage guarantee
Depending on amount and situation
Benefits of consolidation
- Single monthly payment : Just one monthly instalment to manage
- Reduced instalments : Up to 50% less in monthly payments
- Freed-up cash flow : Restore your ability to save
- Simplified management : One lender for all your loans
- Additional cash : Option to release extra funds
Eligibility conditions
General access conditions
- Minimum 2 loans currently in repayment
- Minimum total amount of €20,000
- Regular and verifiable income
- Compatible debt-to-income ratio
Building your file
- Amortisation schedules for all existing loans
- Current borrower insurance policies
- Proof of income for the last 3 months
- Full asset declaration
Required documents
Identity documents
- Valid ID or passport
- Proof of address under 3 months old
- Family record or proof of family status
- IBAN of your main bank account
Proof of income
- Last 3 pay slips
- Latest tax assessment
- Bank statements over 3 months
- Declaration of movable and immovable assets
Existing loans
- Current loan agreements
- Amortisation schedules for all loans
- Borrower insurance policies
- Latest credit account statements
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Important legal information
- *APR : Representative example : consolidation of 3 loans totalling €80,000, new loan of €90,000 over 180 months at 4.8% APR, 180 payments of €500, total credit cost : €90,000.
- Term : Extending the repayment term increases the total cost of credit.
- Guarantee : Mortgage or surety depending on amount and asset situation.
- Insurance : Life and disability insurance mandatory, unemployment cover strongly recommended.
- Cooling-off period : Legal right of withdrawal of 14 calendar days.
One payment. Total freedom.
Consolidate your loans and regain financial peace of mind
