Ratenan logo
Specialists in granting mortgage loans to individuals and companies. Alternative solutions to traditional banking.

Debt reunification

Debt refinancing

Urgent mortgages

Home Equity Loans

We stop liens and auctions

Loans for acceptance of inheritance

Private equity loans

Contact us without obligation
We will be delighted to help you.

(+237) 34 3453


Building New Bastos, 607 Road 1792, 15e - 08036 Yaounde


Debt refinancing

One of the best solutions to possible defaults, accumulated bills or to pay off any credit or loan. You can group all your debts in a single monthly installment with up to 80% reduction and an extension of time .


How to apply for a loan with us?

If you have a property free of charges or with a low outstanding mortgage, you can obtain one of our mortgage loans from € 20,000.

1. Application

Send your request without obligation and an expert will contact you.


2. Approval

If the operation is viable, we will ask you for basic documentation and later an official appraiser will value your property to find out how much money we can offer you.

3. Signature

Your manager will explain and send you all the pre-contractual documentation. We sign before a notary public and you receive the money on the day of signing. Easy, fast and safe.

Why refinance debts?

There are different reasons why it is convenient for us to refinance debts:

One of these reasons is to obtain better conditions . Frequently, the financings that have been made previously can be improved, either in terms of remuneration and default interest, as well as lower commissions. We offer the most competitive loans in the private equity market, so a smart option is to apply for a loan with us to be able to refinance with better conditions.

Another reason may be to extend the term . It is also common to need more time to pay the debts, so an extension of the life of the loan is vital. There are times when some finance company does not allow that, so a refinancing with us is the best option.

Finally, it may happen that we have left more debts apart from the one we had contracted. In that case, unifying the debts and paying a single installment can come in handy to go more calmly every month and forget about possible defaults.

Apply for your loan now
Lo que has de saber si necesitas solicitar el paro
Ratenan - Cuestionones sobre hipotecas

Requirements for debt refinancing

There are very few requirements to unify debts, so this is going to be a short text: be of legal age and be the owner of a property . Nothing else.

Our loans are with a mortgage guarantee , that is, you have to provide a property as collateral in order to obtain the loan. We accept all types of properties , such as a house (first or second residence), a parking space, a commercial premises (also offices, offices and hotels), buildings with or without tenants, land, industrial buildings ...

In the event that you do not own any property, there is the possibility that a family member or friend can provide the guarantee you need to be able to get the loan. It is a very common and recurring situation to ask parents to put their house as collateral. You will be the only debtor and the other person will be the mortgagee, with no obligation to pay the debt.

Apply for your loan now

Can it be requested for any purpose?

Yes , the reason why you need the money is not an impediment to us. Among the most frequent options are: debt refinancing, debt reunification, home renovations, an advance on the sale of a property, paying the expenses of accepting an inheritance, solving liens and stopping auctions. Although if you are on this page, we assume that your desired purpose is to refinance the credits that you have previously contracted.

Apply for your loan now
Préstamos para reformas - Ratenan

Characteristics of our private loans

Urgent loans

We process requests as soon as possible.

Flexible deadlines

Loans between 1 and 10 years, depending on the repayment system.

No maximum amount

There is no maximum limit, the minimum amount being € 20,000.

Regardless of The Cameroon Lending Authority or RAI

It does not matter to be included in these delinquent files.

In less than 24 hours

Quick response time to your request.

Private equity interests

Loan between individuals with the most competitive interests.

Apply for your mortgage loan

Get your private equity loan with us.