Loan for house or housing
 When we speak about loan for house we refer basically to the mortgage loans that lenders offer us the companies, therefore a loan for house will fulfill with the same requisites and conditions that a mortgage loan. The small difference that we can notice between the loans for house and the mortgage loans is that precisely the first ones are requested in the cases in which the prestario wants to buy a housing be already for him alone or for his family, on the other hand, the mortgage loans, they can be applied to any type of building that wants to be acquired, be already this for the purpose of being used like housing, office, study or office. As we say always, before hiring a loan for house, insure of having all the financial factors that can influence in a positive or negative way the refund of the loan, we must not already forget that the money-market rates that there offers us any type of financial institution lender or the banks usually go in the same direction as the financial tendency therefore if we go so far as to suffer an increase in the general interests of the financial commerce, the interests corresponding to our loan for house will rise of the same way, increasing the monthly amount that should be paid.
Before requesting a loan for house, there is nothing better than to take advice from a financial consultant so that he explains to us all the risks and the advantages that it possesses acquiring one of them. In this sense we must bear in mind that, although probably the entity where we are gliding to request our loan for house offers us to its own financial advisers, adviser or independent consultant is always better against with the “second opinion” of one to the financier to make sure that all the information granted in the financial company is correct.
Although it could go so far as to seem a little touchy, we must have in mind that one of principal functions with which it must expire a financial adviser is with the clients' reception to enlarge the folder of the company, therefore in many opportunities it has spent that the same ones "make" little information up to make her seem favorable with the client when really there exists the possibility of which not to be completely true. 
When the request of a loan is realized for family house, it is advisable that both spouses have planned the request of the same one, as a whole. Often it has happened (especially on the part of the husband) that they request loans for house without the authorization of one of the spouses this can derive in very serious problems, not only of personal nature in account to the couple, but also, often, when the husbands possess the goods in joint form, this turns out to be an illegal practice. With happening of the years and the implementation of major accident control measures in story to the crediting for house it is all forms very little probable that this happens.
Guarantees and guarantees in the loans for house
On the other hand also there turns out to be very important the presentation of a guarantee that guarantees the totality of the payment of the loan for house independently of the economic and financial situation of the holder. In case of the loans for house, it is understood that most of the prestarios do not possess any type of property that they could put like guarantee of the loan, therefore the most probable thing is that there is needed the guarantee of property of some relative or friend, that logically, it cannot be mortgaged previously since in this case the financial company would push automatically the request of the loan back for house. In these cases and in case there is not possessed any acquaintance who has a property out of mortgage, the financial lenders usually resort to the request of the presentation of a receipt of salary belonging to the holder like form of guarantee. It is important that we bear in mind that the financial company will manage with a margin of slightly high salary, which guarantees that the same one could confront the payment of the loan. In these cases the monthly quotas corresponding to the payment of the loan will be financed on 30 % of the whole of the salary, as the sequestration of the same one in case of non-payment. The most frequent problem that arises when a prestario offers his salary receipt like guarantee of the loan of house, it is that the financial company is unable to predict if the soliciting person will preserve his work in the term that the refund of the loan lasts, for it, many of them do not accept this type of guarantees, especially if it is a question of an employee whose future in the company or sector at which it is employed could be uncertain. |
