Archive for November, 2008
Hiring a home loan to pay not only implies, but also, often, there are other types of demands and constraints.
There are two phases, before and after the loan as grant but before one could speak of requirements that the customer must meet in order to give you a loan, then they usually ask a series of requirements, usually designed to increase the bank’s own business / box.
Requirements before signing a mortgage
Financial institutions are based on a maximum, which is that your business is to lend money in exchange for the customer to return it in its entirety, but some interest, in the manner provided in the mortgage deed.
Below are the processes and the way that there is an offer by the financial institution:
Contribute data
Study the application
Requested amount and term -
“Borrowing Capacity
-Other matters of interest
Offer
-Political Entity
-Requirements
Provide details:
The first thing I will ask it to provide data on their employment status, economic, debt, family situation, etc.
The aim is to study if you are in a position to support the mortgage payment, the maximum amount it would be possible to grant it, and under what conditions.
For a’’serious “situation and to provide a binding offer for the bank / box, then details the data tend to ask, but noted that if the operation to proceed, could possibly ask for more data, depending the type of mortgage to be made (for example, if used on a home, they will ask a simple note of registration, the private contract of purchase – sale, etc.).
Individuals:
D.N.I.
Two recent pay slips.
Other income, accounts and deposits
Last statement I.R.P.F. complete.
Other personal documents:
Judicial sentence of divorce (if it were)
Capitulation (in the case of being married under separation of property).
Heritage: Other properties
Other receivables and payment obligations
Self: (besides the above information)
Added in License Tax.
Two or three recent statements I.R.P.F. complete.
Recent installments of I.V.A. or I.R.P.F.
The volatility of income that is supposed to self-employed in many cases the amount awarded does not exceed 60% of the cost of the property
Companies:
C.I.F.
Memorandum of Association, capital increase, other changes.
Writing Powers.
Balance of procedure.
Balance Commercial Register.
Tax.
Statements I.V.A.
D.N.I. partners or managers.
Typically, referrals from some suppliers / customers.
Details of banks with which it operates.
Latest receipts of loans outstanding.
Therefore, if you are applying for a mortgage, and wants to make an offer ”would “go with the documents you will ask, and thus avoids” two trips.”
I live in a community of owners and several months ago an apartment rented to a man who is causing problems of coexistence, put noise late at night, put loud music, throw rubbish into the yard … Is it possible to do something? ”
Urban Leases Act 1994 gives the owner the ability to go, legally, against the tenant for nuisance or damage to the property or third parties. And the Horizontal Property Act states in article 7.2 that the owner and occupier of the flat or premises are not allowed to develop in him or the rest of the building activities prohibited by the statutes, resulting damage the property or contravene the general provisions on annoying, unhealthy, noxious, dangerous or illegal. The president of the community on its own initiative or any of the owners or occupants, who carry out required activities prohibited its immediate cessation.
Therefore, we recommend communicating by fax bureau with acknowledgment of receipt or notarized the tenant through the immediate cessation of the nuisance, uncomfortable, unhygienic, unhealthy … under pain of legal action from start. This requirement must be done by the president of the community. If the tenant behavior persists, the president again, after authorization in the minutes of the Board of owners convened for that purpose may bring legal action against him accordingly. A future application must be accompanied by formal testing and certification of the agreement of the Board of owners, so it should fulfill the legal formalities in the notice convening the meeting, agenda, summons … If needed, you can consult a lawyer. In addition to requesting the judge to order the cessation of noise nuisance and immission can also claim the deprivation of the right to use the house for no more than three years, depending on the severity of the offense and the harm caused to the community and / or who are declared finally extinguished all rights to the leased property and its immediate release.
A few days ago we came to know some tips to help persecuted when selling our home, among them the take into consideration some improvements carried out, and care and have available all documentation that, if we were needed (drawings of the address, description of it as both the farm where it meets the surface expression of useful instructions for use or fire safety measures).
However, now we are going to echo a really interesting topic that has to do with the profits of property valuation, and which concerns us when we are the buyer of a home. Typically, use that at a general level is given to an apartment when the housing is acquired, either temporarily or permanently, and to buy it we must consider a fundamental question our own economic availability. But in carrying out this acquisition, it is essential to know with some very clear criteria to use it later for mule.
A high performance floor is quantified at the rate of time is thought to enjoy the same, regardless of whether they want to use as single dwelling itself or as a second home for the holidays. The value of a real estate clearly depends on the individual criteria of the owner (an issue that is purely subjective) and would have a direct relationship with the utility that gives you or what, for example, has been spent to maintain it.
But we must not forget that the price of housing is a concrete fact that can not fit in subjective opinions, and in which work and expert assessment appraiser is essential, because otherwise it would be very difficult real estate transaction, it does not escape us that the buyer wants to buy at a good price and the seller to sell your property (if you will excuse the redundancy) getting the highest return possible. In these cases, it is imperative to go to an assessor properly accredited. However, when pricing will discuss different types: book value, real, mortgage, insurance, legal, investment and expropriation.
- Valued valuation effects of transfer taxes, succession or gift, the Heritage Tax, or in the field, for example, forced expropriation.
- Mortgage Value: For purposes of obtaining a mortgage.
- Insurance Value: For purposes of the insurers.
- Legal value for the purposes of maximum values of sales or revenues.
- Cadastral value for the purposes of the Property Tax, for example.
- Investment value: a cost-effectiveness, feasibility.
- Book value for the purposes of taxation, estates, etc..