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Posts Tagged ‘mortgage’

From BlogPrestamos want to help you choose the best mortgages from a wide range that offer boxes and benches. This time we focus on the best mortgage institutions offering on-line for the general public. Of all tested by our editors (iBanesto, Cajacanarias, ING, ActivoBank, … etc), we are left with two that we felt the best interest both offered, as per the requirements and conditions to be met, it comes to mortgages offered by Uno-e and Tubancaja .

Uno-e offers your mortgage to an interest rate of Euribor +0.69%, with no additional commitment. This difference can be downloaded three tenths to 0.39%, this time household payroll holders against a home insurance and life insurance (0.1% less interest for each product purchased).

This mortgage unoe no commissions, no soil, and can be requested from 30000 euros and up to 80% of the appraised value of the floor. The time limit would be 35 years. It has additional advantages such as the ability to change the mortgage to a fixed period from the first year deferral of payment of annual fees and two others that make it very attractive for recruitment of the mortgage with a-e. Read the rest of this entry »

Although not if it is here, and it is not to make mortgage, if you give a deposit for an apartment, and I have delivered as agreed, also now in this crisis and do not know if I get the mortgage that can do if you can?

If you come to be standard practice to ask the builders account, usual practice in other countries, but not like in Spain where that money goes to a guarantee fund managed by the bank, if not the pocket of the builder or developer, then what happens happens and usually wrong.

Often not met in the surrender date

Without the grades given in memory

Without the permits and subsequent

So one has to check if the contract deposit on account, with an emphasis on ensuring repayment deposit (double) in the event of default and especially to see to ensure or guarantee by a bank guarantee these deposits, if not something like “worthless”

Because if you can report (prepared coast of counsel) wait a couple of years to hold the trial and have faith that the builder will remain and if you’re lucky, the sentence will be in your favor, but as the bank is in front with your mortgage loan construction, it becomes the same as making the cousin, the bank will stay and awarded the building and floor and if you no money.

I would advise you to do a bank deposit in the form of bank guarantee, the builder or developer can take that money as a loan (a low interest cost him a year or 2%) but if that does not meet your guarantee you get your the bank and get away as already returned the loan to the bank, in any case the bank has guaranteed the work would lose nothing.