Debt can become a trap that can seem to be impossible to get out of. It can seem like a hole that is too deep to climb out of. It can also seem like many of the debt help systems are not really there to help you. But what if there was an alternative? What if there was a way to consolidate your debt into an affordable repayment with a reasonable interest rate?
This may seem too good to be true, but for many South Africans who meet the criteria, they can take advantage of our debt help system. Our Bond Optimiser system has been designed to enable South African families to have financial stability. Less stress, less worry, more time planning and growing.
How is Bond Optimiser Different?
The debt help system often experienced is to put people under debt review and restrict their future chances of financial freedom. These customers are now restricted, often left with bad credit scores, and will struggle to get back on their feet. These customers also are often sold high-interest consolidation loans to help them, but in actual fact it makes their monthly budgets even tighter.
Instead of high interest debt, putting you under debt review and restricting your future; Bond Optimiser helps you to make affordable repayments and puts you through an education course that will help you to manage your money better in the future. Bond Optimiser has been shown to have improved our clients credit scores by 20% on average.
Using our system, you can avoid cashing out those pensions you have worked so hard to build up. Work with our team to build longevity and stability in your financial life. We will help you build a strong payment history to ensure your credit score increases.
Our team at Bond Optimiser will also help you to reduce your monthly payments and get onto a better debt plan. Here are some of the steps that you will be assisted with:
Create A Budget
Working out what you earn, what you owe and what you need to spend to survive are very important. Putting these into a monthly budget can help you to manage your finances in a better way. It allows you to step back and see the big picture of what is happening with your money.
Creating a budget also allows you to see areas you could cut back or areas you may be wasting money. This can in turn help you save money every month giving you the power to use the money how you see fit. The Power is back in your hands!
Set Up A Debt Payment Plan
Now that you have drawn up your budget, you will be able to see what you can afford. You can look at your debt and work out the best way to tackle this.
By using your property, our team can work with you to restructure your debt into one affordable and sustainable monthly payment. Statistics have shown that our average customer can save up to R7000 per month.
Lowering Your Interest Rates
By using your bond equity and considering your high interest debt into your bond, you can massively reduce your interest. This is a key feature of the Bond Optimiser system as this can help make your monthly debt repayments more affordable.
Lowering Your Debt-to-Income Ratio
Reducing your debt while remaining at the same level of income can help you to have a lower debt to income ratio. Lowering this ratio can help lift the weight and burden you feel allowing you to be free! All we want is for you to be and feel free.
Reduce Future Unsecured Debt
By going through the Bond Optimiser’s in-house financial literacy course, you will be able to learn how to manage your money better. This system will help you to switch out to a traditional mortgage lender after the program. After taking the course, we have found our customers to make better financial decisions and be more financially aware.
The result is less unsecured debt in the future.
While many people have had bad experiences with debt help systems, it does not mean that they are all bad. Bond Optimiser has been designed to help you, not restrict you. We want you to have a full and free life, not one that is burdened or restricted due to a bad credit profile. Our team will offer you the best service when you need it most.