The offers currently multiply to obtain appropriations of construction or installations real. In an economic context of deceleration, the attention of the consumers must be related to a reasonable debt which corresponds to each individual situation.
Elements to be taken into account
The subscription for a real estate credit must be a choice maturely considered for the commitments which it causes. It will have to be more particularly paid attention on interest rates according to the period of refunding. The objective being to obtain the best possible rate. This one however is conditioned by the possession of a reliable file of financing.
Certain establishments can propose according to the period of refunding from 3.25% to 4.31% for respectively a spreading out from 10 to 30 years. But on average, these figures vary from 3.50% to 4.60% according to a study carried out in October 2011.
Moreover, other elements will be considered to subscribe to the best conditions: monthly payments, duration of the loan, various insurances and caused expenses.
To prepare its file well
Most important in obtaining a real estate credit is to prove to its banker his personal financial solidity.
In general, the credit institutions avoid being implied at 100% in this kind of project. The interested parties should be able to provide personal capital contributions for at least the authenticated expenses.
Many solutions can be brought by the various State aid such as the Loan toRate Zero. The saved assistances can also be additional arguments to be able to negotiate its real estate credit. As for the conditions holding with the holder of the request itself, we will recommend in a general way a subscription according to the age of the applicant.
Indeed, the spreading out of the period of refunding must be considered, because in all the case, the loans are granted over one more or less long period being able to go up to 30 years. To avoid in this direction the payments to be carried out when one reaches the retirement age. In the same way, the professional situation of the holder of the project is taken into account by the financial institutions. A person in TDCI will be lucky more to secure a loan than a person in precarious situation.
To optimize its request
To prove to its banker whom the borrower appears as reliable also makes it possible to secure a loan more easily.
The decision of debt must be proportional to the current situation and future of the applicant. That is accompanied in particular by a normal credit-worthiness. Normality being represented here by the reduction of the other appropriations, the provision after the loan of an income rather consequent, but also by avoiding the overdrafts before the loan
In the same way, it is necessary to be able to prove its own capacity of refunding. That is illustrated in particular by is a normal regularity of payment of the rent if one is tenant or of the real drafts if one is owner.
In order to optimize its request as well as possible, the best attitude to be adopted is to make play thoroughly competition between the possible credit institutions. That can be done is while being shown like a customer with the banking wallet varied by the number of subscribed products or by comparing the various existing offers on the market.
An additional solution can be used. It is a question of proposing in the phase of negotiation of the duration of refunding downwards to bring back this one. Additional argument so that the bank grants your loan to you. |
