If you are looking for answers about what are the loans with the guarantee of a habitat or the loans with the mortgage guarantee , this is the correct one. In the following lines, I will clarify what a loan is with the guarantee of a habitat, the differences with the mortgage loans, because it is necessary to have the endorsement of a property, when i can request a and request a i com perform a quick calculation correctly .
Each time I sat talking more about these loans, but what are they and why so many people visit them?
This blog is written especially for companies and individuals that do not advise bank credit because bank companies consider that they suppose a risk of delinquency and that they need information on what are the loans with the mortgage guarantee or the loans with the guarantee of a habitat.
What are the loans under the guarantee of a habitat?
The loans with the guarantee of a habitat are an alternative form of financing on the only condition that the loan is granted in the event that a proprietor guarantees the operation. This property can be:
- A house
- A pee
- A nau
- A business premises
- A lot
It should be noted that the owner may be the person requesting the loan, a family member or a friend.
The import that is representative of the loan will always depend on the value of the property and the càrregues attached to it .
An owner is requested because they tend to be operations with a major risk, the entity agafa with assegurança that owner in case of payment.
Principal advantages of the loan
The loan with the guarantee of a habitatge teas advantageous respects to a traditional bank loan; Next we will show you the main advantages:
- The most important: in many occasions it is the only option to obtain financing . Especially when it is not possible to access the bank credit.
- Rapidesa in the concession of the credit and study of the operation.
- It does not matter l'estat de morositat , nor ASNEF, nor RAI, nor CIRBE.
Hi has more benefits , with the personal service or the flexibility of the repayment of the loan, but these are the main advantages for the clients who have access to a loan with the guarantee of a habitat.
How much is it possible to obtain a loan with the guarantee of a habitat?
Hi there are different factors that intervene to quantify the importance that is to be able to obtain through a loan with the guarantee of a habitat .
The most important factors are:
- The value of the taxation of the owner that will guarantee the operation. The value of the taxation of the owner (or owners), will mark the starting point during the granting of the loan.
- Càrregues is affected by this. It is important to know if it is lliure de càrregues or, per example, there is some important pending issue.
Depenent of the financial company. Each financial company has certain conditions; then Dark Keep shows .
Loan with the guarantee of a habitat to Dark Keep
To Dark Keep are leaders in the private finance sector and a referent at the state level. This is registered in the registry of real estate providers of the Banc d'Espanya , it is important to request always that you have access to this type of loan.
Here are our main advantages:
- Company that compleix both full legality , registered with the Banc d'Espanya.
- Leaders and a referent in the private finance sector.
- 15 anys més d 'concedint experiència préstecs amb d'un habitatge warranty.
- An expert team of advocates and financers at your disposal.
If you need more information, you can always contact us by phone or fill in the formulary of the letter.
Characteristics of the loan
Before starting the characteristics of a loan with the guarantee of a habitat , it is to make sure that each house is particular and it is always better to contact us directly and study each house in a personalized way.
The general conditions of Dark Keep are:
- Percentatge de finançament (LTV) of fins to 45% of the value of the property .
- Minimum import: € 20,000
- Maximum import: 2 million euros (it is possible to value the superior imports)
- Return termination: from 1 to 5 years
- Typology of l'immoble: residential, commercial and solar urbans
- Location of the immoble: urban farms in consolidated populations, preferably in Catalonia, the Balearic Islands, Nevada and the Mediterranean coast.
As mentioned above, these conditions can always vary from case to case.
Exemple of a loan with the guarantee of an owner
I will show an example of a basic basis for understanding the concept of how a loan works with the guarantee of an owner :
- A property owner has a tax value of € 500,000
- The owner has a € 100,000 installment of a mortgage that remains to be paid
- Suposem that no hi has extra conditioning cap and that no hi hagi cap risc factor
The calculation would be the following:
- € 500,000 of the value of the property x 45% of the financing capacity = € 225,000
- € 225,000 from the financing capacity - € 100,000 from carregues associated with the owner = € 125,000
In this example, you can finance € 125,000
Loans from the endorsement of an owner
If it is necessary to know why the endorsement of an owner is required , in most cases, clients agree to guarantee a loan in a habitat that is available in some circumstances:
- Quan necessiten quantitats importants de diners . Both loans are provided with the guarantee of a property owner who is not limited, in the case of Dark Keep . Tot will depend on the value of the property. If a property has a value of 5 million euros, it has charges and complexes with all the requirements, it is possible to obtain more than 2 million euros in a period of time, in weeks.
- When the client is in an irregular financial situation . This type of alternative financing is useful when clients are in arrears records, who cannot justify their income or cannot access bank financing. In these cases, the only way they have to advise financing is through private financing and utilization with the guarantee of a property owner.
- Per unify deutes . In many cases, there are clients who have debts distributed by different creditors. In these cases, it is to go back to the experience of the private capital financial entities to unify all the debts and transform the quotes into a single i, in many cases, both conditions.
In all these cases, and more than that, it is required to endorse a property ; Because it is more likely than not a bank financial operation and, in the best case, if there is a repeated and constant non-payment of the quotes, it is possible to end up losing ownership.
It should be noted that Dark Keep always looks at the client's interests and always tries to solve the situation in the best possible way for the client.
In previous posts I have commented on what are the mortgage loans . If you need more information about these types of credits, you can find more information on our website.
Next, we will briefly show the main differences between the mortgage loans and the loans with the mortgage guarantee or with the security of a habitat.
For a quick summary:
- The mortgage loans can also be granted to the bank in order to pay for the purchase of a habitat. S'utilitzen to acquire a habitat.
- The loans with mortgage guarantee , can be used for any project, it is not necessary to follow just for the purchase of a habitat.
If it is necessary to delve more in this type of loan, click on the previous links or simply contact us, expand on the enchanting information.