合并债务是个好主意吗?

If you have several high-interest loans that you’re currently repaying, you may be considering consolidating them with a 债务合并贷款. 但是，这是个好主意吗?

There are several important benefits of debt consolidation to consider. 取决于你的情况, 你可能会省钱, 降低月供, 或者简化你的财务.

什么是债务合并?

Debt consolidation is when you take out a loan to pay off all of your existing debts. Most people consolidate their debt to save money on interest, but it may also be possible to structure a debt consolidation with a longer repayment term to 降低月供.

你可以用 个人贷款 to consolidate debt, but 十大可靠彩票平台 also offers a special 债务合并贷款. This loan can be used to consolidate many different types of debts, including:

• 汽车贷款
• 储存卡
• 信用卡
• 发薪日贷款
• 医疗债务
• 学生贷款
• 当铺贷款
• 代收债务

巩固债务 很容易做到吗. You simply apply f或者一个 个人贷款 or 债务合并贷款. If you’re approved, you’ll be issued a lump sum for the full amount. You then use the money to pay off your current debts.

An important advantage of 债务合并贷款s to consider is that they have fixed interest rates. That means the rate you will pay is locked in when the loan is created and will not change. Therefore you won’t have to worry about any future rate increases. 

债务合并是个好主意吗?

因为每个人的财务状况都是独一无二的, it’s important to carefully consider the benefits of debt consolidation before making a decision. 有一些情况, 例如, where it may not be worth it—like when you only have a short time remaining to repay your debts. But in other circumstances, it could be worth your while.

它可以帮你省钱

If you have several high-interest debts—like credit cards, 储存卡, or pawn shop loans—你可能会省钱 on interest by consolidating them. In some cases, you might also be able to save money on fees. Some of the fees you could encounter with your current debts include:

• 年费
• 预支现金费用
• 滞纳金
• 超额费用
• 结余转让费
• 退回付款费用
• 涉外交易费

你可以简化你的财务

如果你有很多债务要偿还, you’ll have several different due dates to remember each month. The more you have, the greater the possibility of accidentally missing a payment. If this happens, it could damage your credit score. You may also be hit with an expensive late payment.

By consolidating your debt, you’ll only have one payment to keep up with each month. This greatly simplifies your finances and helps with budgeting.

它可以帮助你更快地还清债务

Debt consolidation may help you pay your debts off faster if you’re currently making the minimum monthly payments but you’re having trouble keeping up with everything. 如果利率高的话, these small payments may not make much of a dent in your remaining balance.

This causes some people to get trapped in cycles of debt that are difficult to break free from. It’s also possible for your balance to grow due to the high interest rates from a substantial balance, plus you also have to deal with costly annual fees or late fees.

By having a fixed repayment schedule with a 债务合并贷款, the payments you make will steadily decrease the loan principal. Every payment you make will bring you closer to paying off your debts.

你可以降低月供

If you’re currently struggling to make your monthly payments, 债务合并也可以用来降低成本. This is typically done by increasing the time it takes to repay your new 债务合并贷款. The longer it takes to repay your loan, the 降低月供 will be.

然而, an important negative to consider with this strategy is that you’ll pay more in interest with a longer loan term. That said, this might be better if you’ve been missing payments and it’s affecting your credit score.

它可能有助于你的信用评分

Credit scores are now used for more than just obtaining loans. For example, your credit may be checked when you apply f或者一个 job or rent an apartment. 因为你的信用评分太重要了, you should closely monitor it to make sure it remains strong.

An important way that consolidating your debt can help your credit score is by lowering the available credit that’s currently available to you. 这就是你的信用利用率, and it’s one of several factors that contribute to your credit score.

Using a high percentage of your available credit could harm your credit score. Ideally, you want to use less than 30% at any given time. 在这种情况下，越少越好.

如果你合并你的信用卡或信用卡债务, you would transfer that balance to a 债务合并贷款. Because loan debt isn’t a factor in your credit utilization ratio, it will immediately lower the amount of available credit you’re using, 这最终将有助于你的信用评分.

债务合并贷款方案

如果你正在考虑债务合并贷款, another option to explore is to go through a non-profit credit counseling agency, like 十大可靠彩票平台’s partner, 平衡. 

如果你和平衡这样的组织合作, a credit counselor will work closely with you to develop a plan to pay off your unsecured debts. Your counselor will also work with your creditors to negotiate lower interest rates and potentially have fees waived.

If you would like to consolidate your debt, your two options are to use a 债务合并贷款 或者一个 个人贷款, both of which are offered by San Francisco Federal Credit union.

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