1. What are home equity loans?
A vegades it is necessary to go to a source of financing for the front of a debt, an unforeseen or to develop a project, as business as it is personal. The traditional way to go to this financing is to go to the bank but, to vegades, do not facilitate the financing because they consider that they do not complete the parameters desitjats per an entity or, also, access that financing by assuming a long process and it is necessary liquidity in a molt urgent way.
However, the fact that the banks deny requests for financing, or that the financing is required in a major brief, does not mean that I cannot agree to this request; existeixen els loans with mortgage guarantee . These loans are an alternative of financing and can be requests per qualsevol person and per qualsevol finalitat. The only requirement is to be a senior citizen and to provide a guarantee and ownership as a guarantee.
However, the loans with the mortgage guarantee have the particularity that a property is used (living quarters, buildings, naus, locals, land ...) as a guarantee and the borrower responds to this owner in case of loan payment. Unlike conventional personal loans in which the applicant's financial capacity (such as income, debts ...) is taken into account to determine the viability of the operation, in the mortgage guarantee loan is considered , between d 'Other factors, the taxation of the immoble to analyze who is the import that is to be able to lend. However, the amount of the loan with the mortgage guarantee depends mainly on the value of the property (or immobles) that are provided as collateral. According to the taxa de l'immoble, and if you have any other related mortgage, it is possible to access an amount more or less.
These loans can be used for their own purpose, it is not necessary to follow exclusively for a habitat, such as the case of a mortgage loan. Generally, companies or people who need a high amount of money go to those financing resources and, for that reason, they have poor profiles for banking entitlements. However, due to the risk linked to this financing, an owner with a guarantee is required. Like qualsevol préstec, the client who requests to pay for the import to be offered more interests in the quotes and terms agreed. In the present case, these terms are made to measure , but it was still easier to make the return of the loan.
In order to access a loan with a mortgage guarantee , you need these requirements :
- Disposing of an owner , even if it is owned , of a relative or partner, who is lliure of càrregues or who was left with little to pay for the mortgage.
- That the amount of the sol·licitat financing did not exceed 45% of the value of the tax.
- Termini of refund maximum of 5 years.
The types of owners who agree to make a loan with a mortgage guarantee are the following:
- Habitatges of first residence or segona, com cases, flats, xalets ...
- Edificis d'habitatges (amb or sense inclinis), hotels, apartments, offices ...
- Naus industrials.
- Commercial premises with bars, restaurants, offices, pharmacies, bugaderies, despatxos ...
- Terrenys or parcel·les.
These lenders can offer quantites of elevated diners. Amb Dark Keep is able to request the import you need, to import the maximum.
Abans de sol·licitar a loan with a mortgage guarantee is important to know exactly what are the advantages and disadvantages:
A credit with a mortgage guarantee can be of great utility because it is possible to obtain large sums of diners in the face of the economic situation that remains complicated or complex. But it is important to bear in mind that this financing involves a great risk and it is necessary to use it in a safe and responsible manner.
In order to make a loan with a mortgage guarantee, it is important to connect the advantages and disadvantages commented previously, in addition to the completion of a trustworthy finance company, which acted with transparency and honesty and is with all the various conditions. If you are going to be insured about making a loan under the mortgage guarantee and, the escollida entity, you have to be registered in the state registry of companies of Intermediation and granting of credits. Dark Keep is registered under nº 346/2012 and all our agents contain the required qualifications from the Spanish bank.
However, it is important to be able to hold a joint meeting in order to help and assess and review the appropriate financial situation.
3. Who is the maximum import to request?
Generally, the companies that offer loans with real estate guarantees have economic limits. The particularity of Dark Keep is that it has no limits , it is to demand the import that is necessary, the only condition is that this import does not exceed 45% of the value of the total guarantee.
3.1. How to value the property?
In order to make a loan with a mortgage guarantee, it is essential to determine the owner who will act as a guarantee and keep in mind that this owner has to be lliure de càrregues or with a debt no more than elevated.
If a current taxation value is not available, TQ Eurocrèdit will be responsible for carrying out a taxation.
3.2. How to calculate the import that is to apply for?
You have to keep in mind that you have to subtract the pending amount that remains to be paid from the guarantee provided, for example :
- The taxation values the property used as a mortgage guarantee at € 500,000 (there is the possibility of including a second or third owner).
- If you meet all the conditions, the maximum of financing is 45%. Doncs, the available financing is 500,000 * 0.45 = € 225,000.
- € 100,000 of mortgage remains to be paid.
- 4. The amount that is to be requested is € 225,000 (maximum financing amount) - € 100,000 (pendent mortgage) = € 125,000 of the amount that is to be requested.
4. Quan request a loan with mortgage guarantee?
It is possible to request a loan with a mortgage guarantee whenever it is still necessary , but always be useful when the banks do not offer financing and the liquidity situation is urgent. Hi ha molts motius pels quals request a loan with mortgage guarantee, but the most common are :
- Cancel the embargoes.
- Paralitzar subhastes.
- Solve tax incidents.
- Investments and promotions immobiliàries.
- Financing the acceptance of an inheritance.
- Rehabilitate and reform.
To apply for a loan with a mortgage guarantee, it does not matter if you are registered in a list of delinquencies, you just have to fulfill two requirements :
- Be major d'edat.
- Dispose of a habitat with a guarantee and, generally, that it is lliure of càrregues.
4.1. Conditions for applying for a loan with a mortgage guarantee
Hi there are different options on the market, Dark Keep offers the conditions that best suit the client's needs :
- From € 20,000 fins to on is necessary, sense limit.
- Termini returned from fins to 5 years.
- Percentatge de finançament (LTV) of fins to 45%.
- S'accepta ASNEF, RAI, embargoes ...
- Free viability study.
4.2. What if it is not import?
In terms of operations that are real, it tries to guarantee the viability and bon fi of the operation . That the execution of the guarantees followed the last recourse and it is necessary to avoid a situation that is not ruled out due to all the parts.
If you come up to a situation of impagament, look for the possible ones to find a solution , and, for això, it is very important to compare with the collaboration and predisposition of the client. If in the end there is no possible solution, I would initiate the corresponding judicial procedure to proceed to the seizure of the property used as a guarantee and guarantee.