{"id":9744,"date":"2020-12-10T18:34:57","date_gmt":"2020-12-10T16:34:57","guid":{"rendered":"https:\/\/www.b-quadrat.at\/services\/credit-broker\/debt-rescheduling\/"},"modified":"2026-08-20T10:27:10","modified_gmt":"2026-08-20T08:27:10","slug":"debt-rescheduling","status":"publish","type":"page","link":"https:\/\/www.b-quadrat.at\/en\/services\/credit-broker\/debt-rescheduling\/","title":{"rendered":"Debt rescheduling"},"content":{"rendered":"[vc_row][vc_column][vc_column_text]\n

Refinance Your Mortgage and Pay Less<\/span><\/strong><\/h1>\n

Compare with us\u2014it’s free, fast, and easy<\/span><\/h2>\n[\/vc_column_text][vc_column_text]Unlike wine and cheese, loans don’t get better with age\u2014quite the opposite. Interest rates have fallen sharply in recent years. By refinancing to a new, lower-interest loan, you can therefore save a significant amount of money. <\/span>[\/vc_column_text][vc_single_image image=”8915″ img_size=”full”][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_column_text]\n

The Benefits of Debt Restructuring<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_column_text]\n

When you take out a mortgage, it takes many years to pay it off in full. During that time, lending conditions can change significantly. As a borrower, you should therefore keep an eye on market trends throughout the entire term of the loan. If you find that interest rates are currently lower than those on your existing loan, you can save money by refinancing. In addition, refinancing through a a mortgage broker<\/span><\/span><\/a> at B-Quadrat offers further advantages: <\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/2″][vc_column_text]\n

Positively Influence Your Credit Score<\/span><\/h3>\n[\/vc_column_text][vc_column_text]\n

Credit bureaus generally view it as a positive factor when you have just one loan instead of several. Therefore, consolidating multiple loans through debt consolidation can have a positive impact on your credit score. The sharp rise in real estate prices also has a very positive effect on your credit score. Due to the much higher real estate prices, loan-to-value ratios\u2014that is, the percentage of your loan debt relative to the property\u2019s value\u2014have improved significantly. A lower loan-to-value ratio results in a better credit score and, consequently, much better loan terms. <\/span><\/p>\n[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text]\n

Adjust Loan Terms<\/span><\/h3>\n[\/vc_column_text][vc_column_text]\n

If you refinance your loan with another bank or consolidate multiple loans, a new loan agreement will be drawn up. This gives you the opportunity to renegotiate the terms. Has your income situation improved significantly, so that you have more money available each month? If so, you can increase your monthly payment accordingly. This will shorten the term of your loan and allow you to pay it off faster. As a result, the total cost will automatically decrease. Of course, you can also extend the term or switch your loan products\u2014for example, from a fixed-rate to a variable-rate loan or vice versa. Anything is possible! The loan brokers<\/a><\/span><\/span> at B-Quadrat will be happy to help you develop a plan. <\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row bg_type=”bg_color” bg_override=”ex-full” bg_color_value=”#bfdfff”][vc_column][vc_empty_space][vc_column_text]\n

Home loan calculator<\/span><\/strong><\/h2>\n[\/vc_column_text][vc_column_text]
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