In the next post, explain what a pont mortgage is , the usual way of working, the serious advantages and disadvantages and the benefits.
A mortgage consists of a temporary financing mortgage that requires a guarantee of future income. Join two mortgages, one old and one nova, ends that the income will wait or it is to avenge the actiu necessary, as to be the one of an owner. Thanks to her, it is payable a single quota in comptes of two different (in the case of Dark Keep, in vegades, cap quota) and you will receive the tablet to obtain the necessary income in the agreed term.
Generally, this type of financial product is useful when there is an immediate need for financing and exists to offer a financial solution to companies or people who fly or need to acquire an immovable new , or do not have the necessary time to sell the current seu Immovable, or they cannot get into debt-it is more because it is currently paying a mortgage. During this period of purchase - sale, the financial entity may grant different benefits, temporarily, to expedite the maximum possible time for the final times that the sale is obtained. This mortgage pont is canceled after the sale of l'antic immoble.
During this purchase procedure - sell the best solution, it will be the owner who will currently be able to make the payment of a new owner. But normally this option is totally impossible because, in the case of a company, it is not possible to paralyze the activity in the personnel, there is no possibility of living in a temporary situation. Also, for sale, the process of sale is delayed more than once in the temps, but also, the mortgage will grant the possibility of acquiring a new property and use-the mentre s'intenta venre l'antiga.
It is considered that it is considered an operation of a high risc, especially for banks , it is realitzen mortgages with a high frequency and it is used to grant both força facilitat gracies to the fet that the financing is recollected by the double guarantee of the client.
For a final and quick summary, a mortgage is a short-term financing, with both temporary benefits , which is produced between the processing of two or more credits or long-term mortgages.
If it is for an individual, the definition would be that a mortgage is a form of mortgage loan with which it is to acquire a new habitat, while it is continuous to pay the mortgage of the previous immoble.
Functionality of a pont mortgage
As its own name indicates, it may be intended for a temporary mortgage for an amount of financing at an altitude (or a habitat at an altitude). The function is the following:
- Contract : Dark Keep donates a mortgage loan with both owners as a guarantee; that of the nova acquired and that of the bandage.
- Payment of the quotes during the pont mortgage : During the time that the pont mortgage lasts, with the eurocredit hi has the possibility of not paying at all . Both companies have paid monthly payments on a regular basis. In most cases, it is possible to obtain a temporary loan to pay the lowest quotes.
- Finalization : Once the project has been completed , it is canceled and the antic deute is canceled to formalize a conventional credit under several conditions. If the objective consists in selling a property, at the moment it is avenged, it is possible to cancel the mortgage. In these cases, it is a conventional mortgage that will have millions of the above conditions.
If the final objective is to sell a property and I will not come , it will be a complicated situation. Generally, the quotes will increase when this character ends because they include the quotes from the deute antic and the nou. Month to month, how is it tracted on a loan with real estate guarantee , if it is not possible to pay the quotes, it is the risk of losing some immovable.
In canvi, quan s'aconsegueix vendre l'actiu , the liquid is'utilitza to pay the mortgage pont i to cancel it . Month to month, it is possible to pay part or the totality of the price of the purchase of the new actiu. If it is necessary, it is also possible to carry out a new financing for the new act with different conditions than with the previous loan.
For I understand the seu functioning, diem that is a deute pendent together with the import of nou deute. Aquests deutes is to maintain units fins that is complex to sell the activity that will generate the first deute. Temporally, surely, it is the contract of a loan with two real estate guarantees.
Pont mortgage benefits
The main advantages and disadvantages are:
| More comfortable : it allows you to finance the purchase of a new owner who has seen the previous one.|
Months : it is available for months to come to the ancient habitat and it is not stress-generating or bad.
Millors conditions : the loan quota is not as high as if fossin 2 mortgages. It adapts to the client.
| Més arriscat: if it is not come l'habitatge, the quotes will be higher and, in best cases, it is because of losing some property.|
Loss of asset value: if it takes longer than temps to come, the property will lose value
Some dels motius pels quals make a pont mortgage:
- Charity of the quota : during the duration of the mortgage, it is possible to carry out a period of charity to help and facilitate the maximum possible total the process, in order to advise the final objective. In the case of Dark Keep it is possible to obtain a total credit .
- Most reduced quota : in the case that there is a quota while there is the pont mortgage, it will apply a reduction of the total quota fins that is complexi l'objectiu. Normally, it is just pay the interests.
- Temps per vendre : If the final objective is, for example, to acquire a new habitat and I will come the old one, with the mortgage pont consegueix more times and tranquil·litat to advise the final finalitat. Així, you will avoid me at a lower price than the prisoners.
Pont amb Dark Keep mortgage
Realizing a mortgage with a leading company with the Dark Keep in private financing , is able to advise the following benefits:
- Absolutely not pay the fins that you follow with the mortgage, it is to say, fins that is complex, as I will sell a habitat.
- It is possible to advise millions of conditions that they have with the previous mortgage.
- Knowing that it is in bones mans , with experience and that they know that the operation will end well.
- It is possible to advise a financing with a more rapid procedure and sense so much bureaucracy.
L'avantatge del finançament privat
Both private financing is also able to help companies and people that the bank will not make a mortgage to sell a house, get an inheritance or pay large bills or a fine.
In this way it is possible to pay for the monthly payments and to amortize the entire amount when it is to avenge the act.
Some of the benefits of realizing a mortgage with private financing is that it does not require a payment cap in advance and the time to realize the financing is faster, faster and easier. Month to month, the experience is a great deal because the loans with real estate guarantees typical of private financing do not cease to be pont mortgages.
By making a summary of the mortgages, we can say that it is a mortgage with a financial company anticipating the necessary credit for a new acquisition and is committed to waiting a certain time until the irregular financial situation is solved.
Once the sale of the act has been carried out, it will make a normal loan and it is usual, which followed in some conditions that were different from the beginning.
If it is not possible to sell the act during the period of grace, in the end, it will pay two mortgages. In the best of cases, if you quote them without paying repeatedly, they will respond to the owners who are guaranteed.
Pont per l'empresa mortgage
The companies also need pont mortgages on some occasions, for example:
- Quan is rep any fine d'hisenda or social security status
- Quan hi ha any deute or unpaid credit
- How much do you need to invest in any merchandise or machinery?
- If it is necessary to renegotiate a loan and advise millions of conditions
These situations are more common than it is thought and, in these cases, an expert company in financing for companies is needed and to carry out the timely mortgage.