Everyone has already known these moments: descending a washing machine on stairs that are too narrow, loading a refrigerator in an overfilled truck, or even taping cartons by the dozen. Moving is a must in your life, a risk of mobility and a must in the evolution of your professional and personal life.
However, this moment is often seen as a thankless task, and many fear it! We tell you everything you need to know about the preparation and cost of a quick and efficient move, but also about a form of credit that will no doubt give you a smile as you approach your relocation project: the loan move!
How does a move take place?
During a move entrusted to professionals, the first step is to prepare before giving the movers time to make a reconnaissance visit which allows them to gauge the means that will be put in place during the move.
Then, for the move to be successful, you must not forget to provide yourself with boxes to efficiently store your belongings. You should also plan a consistent date to avoid overly busy periods. Finally, in the case of a move without professionals, it is necessary to think of the rental solutions for trucks and vans.
What steps should you take to prepare for your move?
For a move to go well, it is important to take a few steps to finalize your change of domicile:
- three months before the move, the owner or the trustee must be informed of the departure date;
- you must also make a request to CAF to possibly receive the moving allowance;
- if children are in school, contact new establishments to facilitate transfers;
- just before the move, you must change your address on your personal documents: bank account, insurance, telephone operator, Internet operator;
- you must also request redirection of your mail to the post;
- after the move, the prefecture must be informed of the change of address within one month, in order to change the vehicle registration card.
You should know that changing your address on the national identity card, passport or driving license is optional. Do not forget to register on the electoral list of the new city!
What are the advantages of using moving professionals?
Managing your move alone can quickly become a headache: organizing transport and storage solutions, and finding friends to help can quickly become difficult. Moving companies take care of almost everything! Of course, there are several formulas to accommodate all types of scholarships.
Professionals often provide cardboard and bubble wrap so that individuals can take care of the packaging of certain personal effects in advance. To find out which type of service best corresponds to a move, it is advisable to request several quotes from different moving companies.
It should be known in general that for the removal of a T3, one can count between 1200 and 1600 dollars TTC, and for a T2, it is necessary to count an average budget of 800 to 900 dollars TTC. Be careful, there are companies with dubious morals that try to scam customers.
It is therefore advisable to check that the company you are going to choose is registered with the chamber of commerce. Finally, it is possible to request a copy of the move which proves that the personal effects are in the hands of a professional. This can be useful in cases where insurance must be used.
A solution to finance your move: the move credit
The calculation of the budget for a move depends on many variables:
- the square meters of accommodation;
- the distance to travel to the new home;
- the value and price of furniture;
- the ease of access to the two apartments.
The amounts can quickly amount to thousands of dollars, especially in the case of turnkey formulas, where the mover takes care of everything. The solution to afford these services is to use a moving loan. Once the needs are clearly defined and a budget is established, it is possible to make a simulation of moving credit without commitment.
Moving loan: what type of loan should you choose?
When it comes to moving loans, you have two main options: assigned credit and personal loans, both of which are consumer loans.
The rates for a personal loan are, in most cases, certainly significantly higher than those for an affected loan. Why? Because the bank does not know what the money will be used for. So she takes more risks. But unlike the allocated credit, which is devoted to a particular type of expenditure, the personal loan does not require proof of use.
You can use the amount borrowed both for the move itself and for any work to be done in your old and / or new home, or for the purchase of new furniture. Which is not uncommon when you change houses!