How to get a loan for an apartment you live in Colombia?

Mortgage lending in Colombia – is there a real possibility of gaining power and what decisions are taken that will lead to significant problems in the near future? The best thing to do is to pay attention to the proposal to the bank, to understand the financial capabilities of the client, as well as the minds of the loan agreement.

Registration of an emergency mortgage is transferred, so that the role of the outpost is played by the indestructible mayo, which is lost from the Volodymyr Borzhnik or a third person. If the bank accepts a loan without a first deposit, it is likely that you will have to apply for additional security.

Umovi lending life and size of rates

Mortgage lending is likely to be a great benefit for residents, and banks will be deprived of their risk product. The stench itself is trying to compensate for this risk with high prices. Let's take a look at how to get an effective mortgage loan in Colombia.

Mortgages can be different: you can be presented with a classic scheme, for which the amount of thousands of payments is gradually changed along with the repayments of the mortgage, and an annuity payment - in which the sum of the positions is paid together with the sum of hundreds. This is the line in the contract.

Some banks that work with depository accounts use the following model: the first 1-2 years the client pays a minimum rate, and then the amount gradually increases over time.

At the time of signing the contract, the trace will be especially respected, whether it is a fixed or floating rate. For example, if you give preference to the option with a floating rate, the bank has the right to change it unilaterally (it can be up to 30% of the current rate).

Most clients pay a fixed rate. If changes are made to the agreement, then this is subject to agreement between the parties and the execution of an additional document.

The credit rate depends on low-level factors: the cob deposit, the term of service, as well as the primary/secondary market. If you look at the mental positions for ten rocks, then the effective market rate will be 21.05% of the market.

Today, the lowest possible level of mortgage rates is being promoted by banks, which seem to offer money for a low income, or even only for buying apartments from a poor householder. Such a loan can be withdrawn at a rate of 2.78% of the income, or for one reason - the minimum contribution is required to be 30% to 50% of the income.

You can get a loan for a home or apartment (mortgage) at a minimal rate from large banks, for example, at Oschadbank. In 2018, the 2018 market will have the lowest mortgage rate (to repay loans on foreign exchanges).

The current rate for this type of lending in commercial banks is around 33%.

As before, high-income earners are deprived of credit without proper security. Any financial regulations are indicated in its design (especially for the apartment and its undisturbed appearance).

At a high rate, a mortgage is highly advantageous. In the meantime, banks will introduce a variety of affiliate programs based on defined terms, specific objects and principles.

In addition, if clients are able to repay the debt in advance, then the overpayment will change.

The cheapest mortgage loans

At the time of issuing a loan for housing (and for an apartment), banks extract from clients a large first deposit: in Colombia, of minimal size, there are “Oshchadbank” (approximately 20% of the housing cost) and “PrivatBank” (25%).

In the average lending market, the amount of payments is approximately 30%, but there are financial institutions that require an advance of 50% to 90%. This type of purpose for clients, who need to spend a small amount of money to decorate their lives or stay in place, is why they take advantage of lending offers that are convenient for them.

Every time before entering into an agreement, be sure to supply the bank with all your supplies. Self-respect and diligence will help you achieve rich fortunes in the future, as well as improve your level of financial literacy.

Who can get a mortgage: a portrait of an ideal landlord

First you go to the bank to apply for a mortgage, you need to go to the one you are ready for this procedure. What if you come in and need to live, so that Rozmova and her doctor are removed from the bank, and you are denied a lucrative long-term loan for an apartment? Let's take a look at what the portrait of the ideal boss is guilty of.

Experts confirm that banks give preference to clients with high and average income (approximately 20-25,000 hryvnia) from 25 to 45 rubles. Also, please note that during the expansion of the payer's payment capacity, the bank's bank employees can insure not to deprive the client's income, as well as all members of his family. Also, the ease of repayment allowed for obtaining a mortgage will increase significantly.

The bank also protects the financial reputation of the principal - an important role is played by his credit history, as well as the presence of an official source of income, which can be documented.

The chances are significantly increasing, since the first deposit of the client adds up to 40-60% of the risk of hearing loss. Such an argument can overturn the bank, since the manager seriously prepared for his drink and turned around the borg, having already invested a large sum of pennies.

It is necessary to ensure that not all banks can use the outpost lane to obtain a mortgage. If the presence of additional non-russiness for the gate can be significantly increased by the minimum deposit of the postmaster. For example, if the value initially becomes 30%, then after security appears it can change to 10%.

First of all, take out a loan for your life, and be careful about what you can pay off in a timely manner. Otherwise, you will be subject to fines and salary increases.

Loans for housing (apartment) for young families: which bank to apply

If you are planning to take out a youth loan for your living, do not rush and settle with any bank that promotes its services. First of all, find out what is true and reliable, find out about your activity in the ZMI, how many risks there are in the market, who is the leader of the bank, operating in a new zone and sanctions, as for a long time now Mortgage loans?

Your particular relationship with the bank service also plays an important role. Having analyzed all the officials, you can formulate a powerful idea and decide what to do before setting it up.

Find out that I will clear your mind about lending to a bank and the problems that arise after removing the position.

Another important criterion is the clarity of the proposition. It is up to you to submit a draft loan agreement electronically or on paper. This will help you to carefully consider all the details, evaluate your capabilities, and also compare it with similar offers from other banks.

What should you pay attention to in your passport for a housing loan for young people:

• - the size of the first deposit, which the client is required to pay at the time the loan is issued (for example, 35% of the total cost of life);


• - bet type. If the rate is variable, the document will detail the details that are involved in it, as well as indicate the index for disbursement;


• - the real market rate and the target price of the loan;


• - payment schedule, which includes the procedure for repaying positions and paying bills.

Also, the document may contain additional and related services required for obtaining a mortgage, for example, notarization of the agreement, assessment of the mine and insurance.