Debt reunification simulator

Reunification simulator with and without a mortgage

Our debt reunification simulator will help you calculate the approximate monthly savings that you can enjoy if you decide to group your loans into a single installment . You can make the query whether you have a home as a guarantee or not and indicate the interest and the term that interests you the most.

Calculate your Reunification

Choose an option

With Mortgage

Without Mortgage

Reunification result

(*) Important notice: The data of our simulator is for informational purposes only, its results are indicative.

Do you need more than $ 5,000 and do you have a home as collateral?

If this is your case, we can put you in contact with agencies specialized in the reunification of debts with a mortgage, which will help you obtain a customized loan through traditional banks or private equity entities.

What is a loan reunification simulator?

The loan reunification simulator is a tool designed to help us plan the management of our finances . Thanks to it, we will be able to obtain personalized calculations that allow us to obtain an overview of our economic situation and consider all the options at our disposal to improve it.

Therefore, if we have problems reaching the end of the month, and doubts still persist about whether reunifying our debts is the best alternative, the first step we must take is to test our simulator and calculate how much the monthly savings we need amounts to.

Thanks to our simulator, it will not take long for us to know how much we could pay if we request a new loan that unifies all our pending payments into one, for a certain amount.

How does a Debt Reunification Simulator work?

The debt reunification simulator will calculate the amounts of the new monthly payment that we could pay if we decide to reunify all our pending payments in a single loan that may or may not be a mortgage.

So that we can check to what extent a debt reunification can help us save, we put at your service the online debt reunification simulator with which we help you calculate how you could improve your financial situation.

The simulator will allow us to make as many combinations as we want, using different amounts and repayment terms . It will also be possible to make different calculations that are positioned as different financing alternatives.

The purpose of our debt reunification simulator is that we can compare what our economy would be like before and after a debt reunification.


The use of the loan reunification simulator with or without a mortgage is advisable before carrying out the contracting of the unification of our debts.

The debt reunification simulator tool allows us to combine different variables as a test , which will help us to analyze any financial situation, whether or not we decide to use the unification of our payments.

We hope that our simulator will be of use to you and will help you to solve possible doubts.

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Comments and opinions

Susana 11/20/19
Good morning, I have with my ex-partner a reunification of debts with cetelem and when we separated 2 years ago I have acquired more debts and I do not even have basic needs. Please help me
RegBio Loan 11/20/19
Hello Susana, we are missing data to recommend a loan. We advise you to contact our chat service from Monday to Thursday from 10am to 7pm and Friday from 10am to 3pm. You can also write us through the contact form or contact us on the phone 91 060 85 48
Good afternoon, could you give me information about a debt reunification for 125,000 US dollars over 15 years, thank you
RegBio Loan 12/31/19
Hello Juan de Dios, to be able to find out about debt reunification you can contact us by filling out the contact form, through our chat from Monday to Thursday from 10am to 7pm and Friday from 10am to 3pm or by phone 91 060 85 48
Jose 03/10/20
What does your intermediation cost me and if I will get the loan, I am a 66-year-old pensioner and I collect € 1972 for 14 payments. Thank you
RegBio Loan 03/10/20
Hello José, we do not charge anything to inform you of the different options that you can find. To be able to better inform you about the reunification of debts you can contact us by filling in the contact form, through our chat from Monday to Thursday from 10am to 7pm and Friday from 10am to 3pm or by calling 91 060 85 48 at same schedule.
Nicolae 05/06/20
How can I see how much I have to pay in the Credit Checker, how can I request a loan to pay everything and then pay in installment?
RegBio Loan 06/05/20
Hello Nicolae, you can find out about the outstanding debt on the Credit Checker page, through the forms it offers or in your email. To apply for a loan with Credit Checker and with a debt from another entity, you can try by filling out the forms of the entities that offer loans with Credit Checker. Another option to assess if you do not find a positive answer in the previous ones, is to request a loan with an endorsement or guarantor. If you need us to help you, you can contact us through our chat service, or by phone 91 060 85 48 from Monday to Thursday from 10am to 7pm and Friday from 10am to 3pm.
David 09/06/20
Good afternoon. I need to unify cards worth 28,000 and with monthly payments of 700. Right now I can't afford such an expense. I would be interested in the more years the better. Thank you
RegBio Loan 07/09/20
Hello David, in order to be able to inform you better about the reunification of debts you can contact us through our chat service from Monday to Thursday from 10am to 7pm, and on Fridays from 10am to 3pm, or if you prefer to call us at number 91 060 85 48 at the same time as the chat. We can also call you by filling in the contact form through the web. We remain at your disposal to answer your questions.
Juan Carlos 11/19/20
I earn 4000 US dollars and pay 3000 expenses. I need to reunify. I am 52 years old. The mortgage I finish within 16 years. I owe a mortgage of 150,000 US dollars and the house I think will be valued at 250,000 US dollars. I owe about 60,000 US dollars on various loans. I want to unify the loans into one. It's possible? I am a state official
RegBio Loan 11/19/20
Hello Juan Carlos, to advise you personally we recommend that you consult your request with our customer service team. You can contact us by phone from Monday to Thursday from 10:00 a.m. to 7:00 p.m., and on Fridays from 10:00 a.m. to 3:00 p.m. through 91 060 85 48. You can also use our online chat service or send us a Request form for our experts to be the ones to make the call. We look forward to helping you, thank you for your comment.

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