| Dernières réponses | |  The benefits of mortgage loan collateral
- The maximum loan amount varies depending on the bank, usually from 50 million to 5 billion and will depend on the property value that you assure banking, income and ability to repay loans .
- The interest rate for a sum of mortgage loan assets usually within about 8% / year to 10% / year , but depending on the profile of a borrower and criteria of bank , and this rate may vary.
- Maximum loan amount can go up to 70% of the value of collateral and the maximum loan term is 15 years.
- Limit the maximum age of 65 years are eligible.
- Choose the form of payment-rate loans have diminished over the current principal balance, interest rate calculated on the original principal balance and you can agree to this.
- Assets can ensure borrowers owned capital or guarantee by a third party
- At the time of loan customers have no bad debts at other credit institutions
Profile of a procedure of mortgage loan collateral generally includes
- Application vay von and Project repayment
- Household / temporary residence certificate
- ID / passport
- Documents proving monthly income
- Documents relating to the security property / guarantee
- Documents proving the purpose of capital (if any) Documents proving the purpose of capital (if any)
Note when participating mortgage loan collateral
Results mortgage payment will affect your credit history (CIC), you will be in trouble if your credit history is not good. So make sure to make payments on time.
Make sure that all the privileges and promotional support agreement based on documents, relevant papers. So before you decide to proceed with a clause procedure vay the chap, you need to get a loan information via text, open letters and even had an email from a bank.
Also before signing the document, make sure you check all the terms and conditions in writing.
Do not give any false information about themselves and their families. This could affect the lending procedures and your reputation with the bank later, and remember not to sign any blank document, no text content.
Finally, when you have received a mortgage loan you should calculate exactly to loan maturity should soon as possible, and you will bear a cost for less than the loan repayment period drag long.
Source: vay von ngan hang |
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