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Recommandation
Loan on real property: how to establish your plan of financing?
Some councils to convince your banker.
You decided to become owner. To obtain a credit of your bank, you must present a plan of financing to him which holds the road. Which is the procedure to convince?
Propose your personal capital contribution the personal capital contribution is obligatory in the majority of the trust deeds:
- its amount determines the amount of the sum granted by the bank. In general, your starting capital must at least represent from 10% to 30% of the lent sum. Generally, the personal capital contribution comes from the personal saving of the borrower: PEL (plane of saving housing) or CONCEALMENT (account saves housing).
However, if you do not have basic setting, the plan B consists in constituting your personal capital contribution with… another loan. Pay attention, this solution of replacement is not possible within the framework of a loan atweak rate, to avoid the over-indebtedness:
- The loans 1% housing
- The loan at rate 0%
- Loans with the civils servant
- Loans of the local communities
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Evaluate your income available
Before granting the loan to you, the bank evaluates the amount of your monthly income available:
it is about the sum of your credits (wages, pensions…) which the sum of your loads is withdrawn (already contracted appropriations, family insurances, loads…).
The rule is intangible: you cannot obtain from loan which requires a capacity of refunding higher than the third of your monthly income available.
For example, if your monthly income Net is of 1500 € and your loads of 500 €:
- Your income available is of 1500 € - 500 € = 1000 €
- Your monthly capacity of refunding is of 1000 X 1/3 = 333 €
Consequently, made your accounts before presenting to you at the bank:
- future evolution of your wages, draft studies of your children… All the fields of your life can have reviewed. On the other hand, if you wish to carry out monthly refundings lower than your capacity of refunding, your financial institution can completely lengthen the duration of the loan to your suitability.
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