The mortgage credit is a type of credit that is collateralized by a mortgage guarantee. This is the standard definition but, if you want to expand the information, then go more deeply in depth in those cases.
In order to carry out a mortgage loan, it must be clear that you will always need a mortgage guarantee to guarantee the operation. A mortgage guarantee is a real estate, as it could be a habitat , a local or a nau, for example.
Generally it is destined to the purchase, extension or construction of real estate such as a habitat, offices or commercial premises. But it can also be used for different purposes, as it could be for business projects, refinance different credits or obtain liquidation for a company.
The import to apply for this credit will always depend on the mortgage guarantee that you provide and the càrregues attached to this credit. The import mai will be greater than the value of the immoble.
The main characteristic of the mortgage credit resides in the mortgage guarantee, as hem dit previously. Total , absolutely total, will depend on the quality of the immoble that is present as a guarantee .
For example, it is not the right to apply for a mortgage loan and collect a real estate guarantee of a value of € 300,000 with a paid guarantee, which I request and provide a € 300,000 real estate guarantee to both a pending mortgage of € 250,000.
Depenent of the guarantee provided and of the seves càrregues, it is possible to access a financing or an altre.
Differences between mortgage credit and mortgage loan
It faces that following similar concepts and the goal of mateixa, to obtain financing, there are differences.
In the mortgage loan , the client will periodically agree to the amount of diners that is necessary according to certain conditions. A credit is because it is necessary the diners per phases to carry out some project. Set a maximum amount of what is possible, or not, during a determined period.
The mortgage loan lends the totality of the import at the beginning and this has to be turned, together with the interests, at a predetermined time. The repayment of the loan and interest is realitza mitjançant unes quotes periodiques. In this way, both parties know from the beginning the total cost, the periodicity and the quotes of the loan.
Cessió de crèdit mortotecari
The mortgage loan is not static. Hi has two elements: the credit and the mortgage . If the credit is assigned, the mortgage is assigned, and the mortgage may be subject to variations, such as the mortgage range, the credit can also be modified by the mortgage, as per example is the creditor's change.
The cessió is produeix quan the creditor cedent, with just cause, the seu credit to a third party, who is subrogated in the position of creditor cedent.
The transfer of a mortgage credit affects three people in particular :
- The creditor who gave the credit
- The deutor who is manté
- The nou creditor
I will not confuse the cessió de crèdits amb:
- The subrogation mortis causa of the creditor
- The assumptions of merger or split
- The subrogation imposed on the creditor
Here is a summary molt i molt breu i purely introductory. It is only the tip of the iceberg if you want to know how to carry out correctly and inform yourself of what it is or how to buy a mortgage loan .
In this case, it is always better to compete with the opinion of a team of financial experts and advocates because they study each case in a particular way, because they have analyzed all the cases in a concrete way.
If you need to make a mortgage loan or information to make one, please contact us at the most profitable office, access our contact section or fill in the form of the letter, we will be delighted to be able to assess and help you.
Millor credit mortgage
Next, I will adjust to compiling the largest mortgage credit according to the needs of each profile.
Before contracting a mortgage loan, it is important to ensure that the company is fully compliant with the law , is approved by the Bank of Spain, and requests from the company that offers the mortgage loan a payment scheme, conditions and commissions adherides, between altres punts.
First you have to carry out a personal preparation and meet exactly the current status of the finances. És important conèixer aquests points:
- Knowing the actual econòmica No quantity that is Necessita per realitzar buying berlinbonez, or per solve the problem financer
- Check the real value of the property , or proprietors, that will provide a guarantee
- Calculate the charges that are attached to that owner, as per example the mortgage that remains to be paid
- Make sure of how it is thought tea tornar l'import sol·licitat
Quan An aquests d'punts is tinguin month or menys clars is moment to find a company hipotecaris crèdits.
In segon lloc s'ha to search empreses of confiança. Surely, the first move will be to try to access a mortgage loan but, unfortunately, because in many cases the bank denies access to the mortgage loan.
At this point, you have to go to alternative financing or private capital . Hi has different private equity companies in the market, but they choose to opt for a company that has a lot of experience in the sector, that transmits security and transparency and above, that complements the current legal status; com ho is Dark Keep . If you want to know more information, you can visit our private finance department .
The third country is the legalitat . As previously mentioned, anomenem that point due to the severity of importance and for what, before continuing to advance, it is corroborated that the private financing company is registered, approved and regulated by the Banc d'Espanya . If it is not there, I recomend not to continue with the lending company for not having more serious problems.
Finally , the signature davant notari. If s'ha realitzat one seguiment correcte of tots els Passos, is able realitzar the signing of the crèdit hipotecari davant one of confiança Notari.