Mortgage today - financial slavery or the winning ticket?
One of the most important financial topics today remains a mortgage.
This is a great decision to change their living conditions in a very short period of time.
It is important to understand that the financial dependence of the bank may not be oppressive on the psyche of bondage, but a real opportunity to get what you've always dreamed of.
To little to dispel the clouds in search of the truth and understand what can be civilized "smart" mortgages, today Let us examine the main points that you should consider the simple inhabitant.
The most basic condition - it is, of course, your "liquidity". This refers to the amount of payment on the mortgage, which you can pay your monthly credit. The vast majority of banks will be able to give you a "good" if their mortgages will not exceed 50% of the net total income declared by you and the confirmed bank. (Submit your revenue to the bank in various ways, not necessarily documented, but it is - a topic for another conversation).
Net income in this case - the amount earned during the month of money for less mandatory (where they get away from) payments - apartment rent, taxes, payments on other loans. Moreover, payments on other loans banks can be considered "as is" and can - with a coefficient.
The important point! Psychologically 50% per month will still create some discomfort. Therefore, the system will calculate the loan repayment, starting from 40%. The difference in the 10% - of our comfort zone, when to pay more than 40% - infringe upon yourself in something, and less - just do not make sense.
For how long to take a mortgage?
Banks offer stretch "fun" for 25 years, some even do not stint on the 30.
The most popular among Muscovites is a 15-year loan term, but most borrowers pay the entire amount in advance.
Following the rules of a "smart" mortgage today repayment period over 10 years - this is a frightening reality.
Firstly, in 30 years you overpay 270% and 10 years will cost you in the "funny" 72%. Do not believe? Then we use the loan calculator. Substitute: loan size, for example, 5 million, the interest rate, for example, 12% per annum and will change the credit terms and see what happens.
Yes, for 30 years, you will give the bank is almost three times more money than have!
But if you take a loan for 10 years, a payment on the loan will be too large, or loan size is too small.
Therefore, the main rule of "smart mortgage" can be formulated as follows: loan need to take a long time: the very 25 - 30 years, and the need to repay the loan as soon as possible, preferably within 10 years, repaying the loan early.
Second, today the mortgage for you is necessary and urgent, and at the end of the contract period everything can change - requests, preferences, life situation, etc.
Therefore, it is better to improve the living conditions gradually taking every time "all possible burden": less flat, but the payment for which you will not only do what "work for the bank."
Why should you pay on the loan ahead of schedule?
Let's start small - 7 years. With an average annual rate of 12% interest on the loan overpayment will be 48% for the 10-year loan - 72% of the principal amount. It is advisable to arrange a mortgage today at a more modest property to pay off the loan ahead of schedule, and a maximum of 7 years to find a more suitable option.
Again, not the fact that half the term of the mortgage payments on the contract for 30 years, in your life, nothing will change.
Guided by the rule "from smaller to larger" we just outright kill two birds - does not impinge on the psychological health and average the costs.
The optimal rate for the loan, what is it?
It is understood that the smaller the better. But the stakes "in Europe" can wait for years, but because it makes sense to talk about what can now. Today, the mortgage provided by various credit programs with different rates (from 11.5 to "barrage" of 25% per annum) ... For some programs the rate of 13% seems too high, and for some of that, which we can only dream of.
If we're talking about getting a loan secured by the purchased apartments in the secondary market, the rates start from 12.5 - 13% per annum in rubles.
When lending to new buildings, taking into account the state. Support rates could be between 11.5 - 12%, and in some cases, taking into account the subsidy rate developers - 7 - 8% and even 1% per annum. (However, such low rates are usually within 1 - 2 of the first years of credit use, and then become higher).
When applying for a loan to buy a house to the ground - the best rates start at 14.25% per annum.
Where have the finances, there are always risks, so it happened. In case of force majeure should have surplus funds.
Let's say that you have excellent business and things are going great. But it is today. Mortgage (for some time) - a constant, and business affairs may stop going great, so you need to protect yourself.
This will require an amount of 3-6 monthly income to "wait", "to endure" to find new work and so forth.
This does not mean that the money must be based on "dead weight." The easiest way to place a deposit (not in the bank where to pay the mortgage) with interest that maintain the balance with respect to inflation and good humor you and your family.
HMLA reduced rates! Long live the HMLA!
Question: "How to lower rates will be reflected in the mortgage market"?
In answering this question, it makes sense to talk about the different time intervals.
If we consider the time interval 2 - 3 months, the mortgage market is not affected almost nothing.
It will be easy-lung revival of demand, not more.
Why?
For mortgage lending needs stability: a stable job, a stable salary and confidence in the future.
Such confidence among citizens - less than a year ago, and even more expensive products.
In order to in such a situation the population worried about obtaining a mortgage, mortgage rates should be low.
What do we know of the news?
With loan rates start at 10.3% per annum. But for whom such rates?
For socially important categories of citizens.
List of categories rather extensive: teachers, doctors, workers of military-industrial complex, scientists, public authorities and others.
But: 10.3% per annum - is if the borrower has a down payment of more than 50% of the purchase price and the loan is less than 1.5 million.
In Moscow, where the price of one-bedroom apartments start at 5 million and above, half a million, which is called "nothing."
If the borrower's first payment less than 50% - the rate of 11.4% per annum.
If the loan is more than 1.5 million, for the same socially important categories of citizens - the interest rate increases in proportion to the excess amount, but not more than 12% per annum.
That is, speaking of Moscow, in most cases, we talk about the rate on loans to 12% per annum.
Although here we are talking about quite serious limitations.
The fact that AHML considers such income borrowers who are confirmed by a certificate in Form 2-PIT.
Now imagine: Moscow.
The cost of one-bedroom apartments start at 5 million.
For example, 1 million the borrower has, and it is necessary to obtain a loan of 4 million.
To obtain such a loan in AHML, a period of 20 - 30 years old, you need to have an income of about 120 thousand!
Again, the income must be fully confirmed by a certificate on Form 2-PIT (for "socially important categories of citizens" - especially).
Something tells me that with "socially significant categories of citizens," we are talking about relatively small amounts of loans and more often than not in Moscow.
We go further: in addition to socially significant categories of citizens are those who in these categories does not apply. For them, the rates on loans - 13 - 13.5% per annum.
Today it is - in the "corridor of interest rates" on the verge of the lowest.
But anyway it is quite high rates.
If you look at the average rate of the loan, the rate at which a balance of supply and demand is at about 12% per annum. Such rate on mortgage loans has been over the last few years.
Lowering the (average) rates below 12% led to an increase in demand and rising - to the lower demand.
But this - the average rate when the best deals - by 10, and the worst - 14 - 15%, and receives an average of 12%.
Now the average rate on mortgage loans above 12% per annum.
With a higher rate, the demand - less than the supply. That is, the proposed level of rates is not enough to reach the level of demand last year.
In HMLA a strong position in the region, which shows a relatively small number of banks, mortgage loans for its own programs.
In Moscow, the Moscow region, St. Petersburg, many banks have always been banks, which have the best deals than in AHML, and therefore, the share of loans issued by AHML, was relatively small.
And this is connected not only with the rates. HMLA loans do not directly issue: only through authorized organizations.
Loans are issued HMLA money must comply with the standards serious enough. For example, in the apartments, which are issued under the guarantee of loans should not be replanning (none at all), the borrower's income must be supported by 2-PIT.
Also on the "standards of AHML made relatively small ratio of" payment / income ", that is, HMLA believe that the borrower can repay the debt spend less of their income than they find in other banks.
But because of a combination of factors, the proportion of AHML in the markets of Moscow, the Moscow region, St. Petersburg - quite small.
To visualize the proposal AHML to reduce rates - imagine a dark room and a burning in her match.
The Dark Room - Offer, and a burning match - demand from mortgage holders.
Thanks to the proposal AHML, instead of matches appeared torch: as if the room was a little brighter, but it's still not bright.
Therefore, even though the reduction of interest rates, the supply exceeds the demand of the real estate.
The gradual reduction of interest rates on mortgages and AHML, and other banks - as an attempt to catch up with the train uezzhayuschy.
But look at the situation in the long term.
What HMLA lowers rates - is good. Do not forget that AHML - Government organization 100% of the shares belong to the state AHML.
Therefore, the actions of AHML can be considered as those actions that are of interest to the state. That is, their actions HMLA shows the direction in which you should move to other banks.
So soon we will see a gradual decline in interest rates on loans to other banks, or rather, the continuation of this decline.
And it is - good for the real estate market.
But in my opinion, the reduction of interest rates by banks is too slow. The population there is a feeling that what happened reduction - is not the limit, and that the reduction of interest rates on loans will continue, but because the rate cut is not strong increases in demand.
Potential buyers of apartments - are waiting for further decline in apartment prices and further decline in mortgage rates.
To revive the demand for real estate market, you need to lower your interest rate (and not only for socially significant categories of citizens) to the level of 9% per annum, at least for a few months. (That is, do exactly what they did in 2009, to stop the crisis of the last crisis).
It is funding the developer increased risk for the bank.
Banks actively lend to real estate investors, so they bought an apartment from the developer, becoming participants of shared construction.
But few banks have issued loans for the construction of apartment buildings directly to developers.
Why is this happening?
What are the risks they see banks in financing real estate developers?
What additional risks occur in connection with a possible ban of shared construction? (It turned out to be a topical theme as possible ban of shared construction discussed at the level of the Government of the Russian Federation).
Portal Ipotek.ru Ask the Expert: What are the risks they see banks in financing the construction?
Dmitry Ovsyannikov, director of "mortgage. RU "marked one of the major risks:" When a bank loans to developers, there is always the risk that the apartment in a newly built house can not find a buyer, for example, due to the fact that the house was poorly located. The developer may go bankrupt and then the unfinished house is on the balance sheet of the bank and the bank will have to think about making it as something completed and sell apartments. "
Also Lyudmila Tsvetkova, CFO of "MIEL-Residential Real Estate" drew parallels between the bank and the developer: "The main risk to the bank's risk is similar to the main developer (in the case of the prohibition of share construction) and is postponing terms of raising funds.
For developers postponed the deadline for receipt of funds from co-investors, which leads to problems with covering credit obligations to the bank. Depending on the size of the building and as defined stages of construction, the deadline for the builder will be extended for one or two years.
That is, only after at least one year since the start of the project, the developer will start to receive the first funds.
This is at best. In more complex situations, the beginning of the cash flow can move away for 2-3 years. "
Ponomarev and Emma Sophia Lebedev identified various possible threats to ban banks in share construction.
According to Emma Ponomareva, director of retail operations "Investtradebank": "The main risk - reducing demand, leading to a drop in revenue of developers and the emergence of complexity to the execution of existing credit obligations."
But Sophia Lebedev, CEO "MIEL Development" sounded different: "Naturally, the main risk for the bank is a credit default due to the deterioration of the situation of the developer and its subsequent possible bankruptcy."
The opinions skyrocket risks for banks, if they are to finance developers, not to give money to end users - real estate investors, shared Dmitry Ovsyannikov: "The more risk seeing the bank in financing of these projects, the higher the interest rate on loans: increased risks laid in a bid. The interest rate on mortgage loans to the population - one, and loan business - different: much higher.
That is, the developer financing, bank, judging by the rate at which the loan issue, sees more risks than financing the final consumer. "
The risks that can result in an advantage Sophia told Lebedev, CEO "Miel New": "Along with the increase in risk for banks will rise and risks for developers are commonplace due to the fact that housing will not be sold.
This risk can lead to withdrawal from the market of a certain part of the developers, the beginning of the process of mergers and acquisitions, and then even to monopolize the market the largest group of developers.
And for the banking sector, this situation may even become an advantage. Have proven, reliable builders reduces the risks of the bank. This is the first. Second - it makes it possible to optimize the internal structure. For example, to produce a reduction of the mortgage department with a simultaneous increase in corporate lending department, including the expansion of state investment analysts, appraisers, etc. specialists.
It may also be developed mutual partnership of the bank and the developer regarding the use of barter. Given the fact that the sale of the apartments in the new bank is easier than to contact individuals and selling second homes (for debt), the credit institution receives on hands quickly turns into an asset. "
Dmitry Charikov, head of the Department for Control over the observance of legality in the sphere of housing construction the Committee of the Federation Council of the Russian Federation expressed his views on the possible situation under the prohibition of share construction, banking and finance: "I believe that the coming redistribution of construction market, and believe that the engagement of banks in initiatives related to the abolition of share building, visible to the naked eye. The most desired option for bankers - to build a vicious cycle where the money leaving the bank for the construction or in the form of mortgages, immediately returned to the bank. But for this, you must first destroy the existing mechanism, which, it seems, and launched. "
Association Akon launches associated with informing the citizens and professional community in the field of housing.On the website of the Association of companies serving the property (Akon) to the end of August this year it is planned to create a special section, which will come all the questions related to the subject, and housing problems. Priority Akon is planning to advise and support the professional community: management companies - members of Akon and related representatives of the market of real estate services. However, consumer issues and not be left without attention. Consultants - experienced lawyers, specialists and experts - will carry out consultations online.
The official website of ONF provides information that in the past six months the number of citizens on the improvement of residential areas has doubled, and has secured the stable first place among the causes of discontent citizens of the housing sector. Moreover, many citizens complain that the information concerning the housing sector, they do not have enough people have accumulated a lot of questions that they want answers, homeowners need professional advice. At the same time, there is a clear lack of attention to the problems and professional market participants - management companies serving the real estate, contracting organizations.The project Akon is that the site of the Association until the end of August this year will be a special section, which will come all the questions related to housing and threads, including representatives from the professional community. All questions will be answered and experienced lawyers, specialists and experts will carry out consultations in the online mode.According to the press service of the Association, has held preliminary agreements with such portals dedicated to the real estate market as cian.ru, ipotek.ru, �Moscow apartments�, afy.ru information about placing banners on the link at the top section of the portal of the Association of Consulting , reached an agreement with the Committee for cooperation with the federal authorities in the Federation Council, negotiations are under way with other resources and organizations. In September, as part of the exhibition "Real leaders of 2015", supported by Akon will operate counseling center, where the lawyers of the Association will carry out consultations to visitors and exhibitors.
How to get the approval of the bank for a loan
Choose banking program with the most favorable interest rates - is half the battle, because the more important to get approval: what's the point in a low interest rate at which the loan will, but do not you?By submitting documents to the bank should take into account several factors:1. Clothing should be neat and match the position. Not in the sense that if you, for example, a house painter, you need to be entered in the bank in paint spattered overalls, but in the sense that it is necessary to dress in a clean and neat clothes, almost like a date.If the bank applies for a loan or cheap slovenly dressed and client states that he works as director general, he could not refuse. Moreover, failure to deliver and can be an ordinary bank manager, without additional consideration of documents.
2. Credit history - is an important factor when deciding whether to grant a loan. Damaged credit history - one of the first reasons for refusal in the loan. And be sure to check her bank when considering loan applications.3. Before taking a decision the bank verifies the client and, if the audit reveals a negative or false information, then this client bank fails. Before applying the questionnaire to the bank to check all the written information, especially phone numbers. Bank employees may prozvanivat work and mobile phone numbers for additional verification. Therefore, the phone numbers that indicate someone has to not only answer, and it is advisable not childish voice: "Mommy is not home."4. Before serving documents and the signing of the questionnaire, ask the bank manager to calculate the monthly payments on the loan. Will you be able to repay this amount every month without delinquency? Remember, too, that the bank takes into account the cost of dependents, usually as the subsistence minimum. If there are current loans and credit cards out of your income just as well be deducted monthly payments on them (and most likely, the payments will be deducted in double size, because to get a loan for which you have to pay 10 thousand rubles, making you need at least 20 thousand).5. If you have assets - real estate, automobile, securities, should specify them in the questionnaire. It characterizes you as a borrower prone to hoarding, which is very welcome, and the banks will be a definite plus when deciding on a loan.The approval procedure - is complex. For approval must take into account all the factors (listed here are just a few), or refer to specialists who are not only pick the best program to help with the approval of the loan, and possibly arrange a discount on the interest rate.
Requirements for the pensioner for a mortgage:1. It is no secret that in retirement, many continue to work for a long time. Accordingly, the first requirement - it is the experience at the same place must be at least 6 months.2. Your income must be sufficient to repay the loan and a comfortable existence.3. As a rule, banks are considering pensioners, if they turn to the bank before the age of 65.Mortgage pensioners
Get a mortgage pensioner difficult, but possible.
Of the benefits: the majority of pensioners, unlike young people in the property already has a property, savings and other assets, which is definitely an advantage for a decision on granting a loan.Of the minuses: a short term loan. Most banks lend to pensioners up to 65 years, and only a small number of banks willing to lend up to 75 years old (at the time of repayment of the loan).Life and health insurance of the borrower-pensioner will cost much more than the young man.If you are retired and you need a loan, then there are two options: either to issue a mortgage on their purchasing power relative who is not a pensioner, or seek help from a specialist who will select the bank with the maximum possible term of the loan, comfortable monthly payments and the best interest rate.
The criminal case on the accident - perhaps one of the most difficult types of legal practice. The driver who has violated the rules of the road and caused harm to the health of another person, and witnesses of the incident are often diverge in the testimony, and they do not always do it on purpose.
Blame can be a normal shock, which, however, very difficult to parse circumstances. The situation is complicated when it is clear that an accident may result in criminal liability. There has anyone got nervous!
Judicial practice in cases of accidents
Perhaps jurisprudence in cases of accidents with consequences of varying severity could not be so rich, if pedestrians and drivers to mutually respect each other. But sometimes you can not avoid hitting not out of malice, but for technical reasons.
The driver, who was responsible for a traffic accident, can expect a few types of liability:
Administrative: if the driver violated traffic rules, or if the vehicle had a fault which led to the accident. For this, you can lose the rights, pay a fine, or fall under administrative arrest for up to 15 days (in the cases provided for in Article 12.27 of the Administrative Code).
Civil: If damage (eg damaged car). In this case, the damage will have to repay.
Criminal: if the damage was caused to people (pedestrians, other drivers, passengers).
However, if the victim has suffered slight damage, then the driver has administrative responsibility. The severity of the injury is determined by an expert during the examination or special investigation.
Criminal liability when an accident occurs in the following cases (Article 264 of the Criminal Code):
Part 1: If the fault of the driver's person was seriously injured, the perpetrator shall be punished by restriction of freedom for up to 3 years or imprisonment for up to 6 months, or - imprisonment for up to 2 years, with deprivation of rights under 3 years. However, the rights can not be collected in this case.
Part 2: If the offender was intoxicated and negligently caused grave damage to human health, he shall be punished by imprisonment and the right to operate a vehicle for up to 3 years.
Part 3: If the victim died, the driver will be imprisonment for up to 5 years and the prohibition to operate a vehicle for up to 3 years.
Part 4: if the perpetrator was in a state of intoxication, which entailed by negligence the death of a person, he will get up to 7 years and deprivation of the rights to three years.
Part 5: if the accident resulted in the death of 2 or more persons, the driver can go to jail for up to 7 years and lose the right to operate a vehicle for up to 3 years.
Part 6: If the driver in this case was under the influence of alcohol, then he faces up to 9 years, with disqualification to three years.
In each case, the Court considers the evidence provided and determine the circumstances of the incident and to decide whether or not to satisfy the claim and what legal standard should apply. However, clarification of all circumstances of the case could drag on for a long time, so that there can be very useful assistance of an experienced attorney.
Help a criminal defense lawyer in an accident
The more experience the lawyer in criminal cases is on the accident, the better he will be able to protect your rights. However, even generalists much better than hope for your own luck. He knows the minimum that need and the accused and the victim in the first place: what you need to say, and that - no. Sometimes this is already enough to party a criminal case on the accident are not aggravated their situation.
Of course, we understand that in our country a legal culture is much less developed than in the West, where the man throws himself calls "his" lawyer in the most unimaginable situations. So we do not expect that, got in an accident, people immediately find in my notebook the number. However, a criminal lawyer accident may be involved in the process at any stage, whether it is:
decision to open a criminal case at the very beginning of the investigation;
peer reviews;
investigations;
hearing.
A hundred times wrong the driver who decides to defend himself. Before you give up a lawyer, say, did you know that, by law, a pedestrian generally can not be found guilty of an accident? But the guilty, in the end, there must exist. And how do you think, who they will be? Judicial practice in cases of accidents faced with such situations more than once, and without the help of an experienced lawyer who is rarely able to prove that a collision with a pedestrian could occur, for example due to a technical fault. Of course, in any case, a lawyer will be appointed to the accused, however, whether the culprit be sure that he is in any way interested public defender?
However, not only negligent driver may need legal assistance in a criminal case. The victim is also sometimes difficult to defend their rights. In addition, if you are not satisfied with the decision made by the court, the lawyer will make a statement of claim in the Court of Appeal to appeal, collect all the necessary documents, as well as provide assistance in the organization of various types of expertise.
Needless to say - criminal investigation of accidents are specific and can be very complex. To achieve an equitable solution can be very difficult, so it is important to time apply for legal aid.
The lawyer for an accident in Moscow Why you may need the assistance of counsel for the accident
If you own a vehicle, you should always remember that you are solely responsible for their lives and for the lives of the passengers are with you. Being a law-abiding party movement should be everyone, but no one is immune from the emergency. If you are involved in a road accident in Moscow, there is no need to panic and spoil the nerves. Just call your lawyer by accident and it immediately reacts to the incident and will arrive on the scene.
Legal aid lawyer when an accident is necessary because one of the parties is recognized and the victim is often a situation where deemed responsible for an accident victim. To make such accusations should be good and compelling reason, but law enforcement agencies can often be wrong. Through a lawyer of the accident your actions will be re-analyzed and compiled their own documents that are required to provide to the court.
What to do if you are involved in an accident
If you still become a party to an accident, you should immediately call your lawyer, and before the arrival of a lawyer to do the following:
1. Your vehicle must remain at the scene, and all the small details remain on the roadway. If possible, take pictures from different angles incident and attract independent witnesses.
2. If the experts of insurance companies has not yet arrived, and the staff of traffic police officers have made the report of the accident, it is necessary to ask the fullness described damage. Pay special attention to the column "latent defects".
3. As is known to fix the fact of the accident drawn drawn diagram measurements are applied. The conclusion of the experts will be drawn up on the basis of these data, so make sure to indicate the actual numbers.
4. Prior to the arrival of your lawyer does not get involved in a verbal duel with the other participants of the accident. As they say - silence is golden. Your behavior is adequate You only advantage as excessive emotionality may play against you.
How to use the services of a lawyer for an accident
Use the services of a lawyer for an accident in Moscow, you can contact by phone, which are listed on the home page. Experienced lawyers can go to the scene and capture the incident properly. Believe me, if not immediately fix all the little things, it can lead to unfounded accusations in your favor. Do not allow mistakes in the case of an accident, call the lawyer Maxim Shemetova.
How to pay less for the loan?
There are situations in life when due to unforeseen reasons, deteriorating financial condition. As a result, there is no possibility to pay the fixed amount of the loan. In this case, better to go to the bank, rather than wait until it submits a complaint to the court. There are several ways to reduce the mortgage payments.
1. Restructuring
The lender agrees to make concessions, at the request of the borrower. You can ask about how to extend the loan for a long time, as a result, lower your monthly payments. This option is ideal in the event that the bank does not change the% figure throughout the time of the loan.
Also, you can ask for vacation credit. This is an opportunity not to pay the loan for a while. Often, leasing used such a scheme. You can agree only on a percentage of credit, or make an individual payment schedule.
Another type of restructuring - a total or partial repayment of the loan by the bank. This option is used in very rare cases. Most blamed only the penalty interest for the stitching charges.
2. Refinancing (refinancing)
This is an opportunity to take a new loan in his or another bank to pay off the old loan on more favorable terms. First you need to address in its own bank of the proposal, but not everyone wants to spend the bank to refinance their own loans. Then, we must find the right bank with the best conditions. Now a vigorous competition among banking institutions. You can easily find a lender who will agree to such an operation, the main thing that was a good credit history. Having paid off the old loan, the borrower must pay the new, but with a lower percentage.
3. Consolidation
The ability to combine all their loans from different banks in one. The advantage of this option is that it is not necessary to run on all banks to agree on the solution of the debt. Often the interest rate goes down, the borrower is unable to pay all the debts. If possible, you will receive a loan online.
4. Return Banking Commission
You can submit a claim to the bank for a credit account. In fact, the jurisprudence vyznat illegal commission, and if funds were weighty commission, that is, the possibility of their return.
Taking any of the options, it is necessary to consult with an experienced financial expert. And next time, before you get credit, evaluate their cash income, a few steps forward.
5 professions, representatives of which will not give mortgages
Regularly resorting to short-term consumer loans, the majority of Russians do not think that trying to get a large sum from the bank with great maturity, for example, a mortgage may be doomed to failure, despite the sufficient amount of stable earnings. The fact is that every bank there is a list of professions, representatives are not mortgage loans. And in this case we are not talking about illegal activities. So what caused the taboo?
5 professions that are restricted
Any bank taking the decision to issue borrowings, primarily evaluates the borrower's ability to self-extinguish the loan, without collateral and guarantors. The ability to regularly pay a fixed amount of money depends on the stability of earnings and, therefore, at risk, primarily fall into professions that use the piecework wages, as well as those where the work involves the risk to life or have difficulty to confirm income. Therefore, before you apply, make sure that the chance to get a loan really is. To this list include:
1. Individual entrepreneurs. Their chances for a loan is very low, as the bank is unable to verify the adequacy of earnings. Of course, we are talking about the owners of a small business, which is characterized by medium-sized and unstable incomes.
2. Lawyers and notaries. This category also could not confirm income and boast stability.
3. Realtors. Alas, but the representatives of the profession, as well as the previous one, are among the unacceptable. Furthermore, more recently, during the crisis in the property market, the chance to arrange a mortgage from the profession was zero.
4. Military and rescue, racing drivers and trainers because of the high risk of disability and are undesirable borrowers, since the loss of income, even temporarily, entails undesirable consequences for the bank. In the event of a significant increase in overdue loans lender may face a shortage of working capital. This situation is fraught with the inability to make regular expenditure operation, for example, to give the requested amount with the contribution of an individual. Therefore, online mortgages are also not available for them.
5. Judges. This profession fell into disfavor, despite high incomes, because its members enjoy immunity as a consequence, to recover from their debt is not possible.
Of course, the chance to still get a loan, despite the unreliable profession is always there. The situation will improve co-borrower, guarantors, as well as the various property and other assets owned.
21:22:00
Anonymous
