Real Estate Bloom

If you need to buy an apartment, a house now that we are all in crisis, it is good to have some clues into account when assessing what is going to find in the market.
Assess what you have fixed income, this analysis they will do nothing in your bank as you walk through the door, because before you know what to say.
Their income can borrow only at most about 30% as banks, over 40% according to you, if you know very well managed. You know how much the bank will put in red.

On the monthly amount, calculate a mortgage for 30 years. No more but then you sign anything, but to begin to assess possibilities, not to exceed those years.
Calculate annual interest on the 5 / 6%, you better not be fooled.
Between 30 and 32 euros per million requested by the bank (6000 euros)
You know how much it will be able to ask the bank. Another thing is what the bank will be able or want to pay.
Right now if you have the lowest incidence was not to grant credit, they will not concede.
And if it is impossible to deny credit, I say it’s a very bad time to buy, will tell you that is not stupid (yes, most beautiful words) and wait.
It’s a lie. It’s just that the banks have no money to lend, and therefore any attempt to try to curb credit application. They are waiting for other customers redeemed.
Click on the bank you know. If you are taking guarantors, they must be pressed, they should say that they will withdraw the bills, or that they will lend money if the bank that closes the liquidity, which take the savings and payroll. Everything serves as long as you listen.
Remember, if in doubt, it denied placing any reason, we ask guarantors impossible.
Never, ever, fall into the hands of lenders. NEVER.
Work only with banks or savings banks.
Well, when you know what banks can loan you is when you should start looking for the floor. Do not do it backwards.
If you buy on site, very careful with the builder. Today all are in trouble. And make sure when signing the mortgage for the keys, the bank is not going to put impossible. Make sure the builder written or promoter what would happen in that scenario.
Today you can find second-hand story tighter. Be wary of the price they ask, bargain, press, compare to other floors of the environment, know if you buy expensive or cheap by comparison, is not the best system, but at least it is simple and can earn a few thousand euros.
In recent months are selling some floors, but in the central neighborhoods of cities or neighborhoods but well equipped modern infrastructure. Do not forget to check very well the area you are going to invest the best years of life. That is not far from downtown, which has close and private utilities in sufficiency. Schools, clinics, transportation, shopping centers, parks and commercial fabric of neighborhood shopping centers are not traditional.
Insist on your floor a consistent quality and price, and if second hand go to the Read the rest of this entry »