In such cases it becomes convenient to get help
Benefits and costs in the mediation of mortgages. Or you can use the assistance of a mortgage brokerWith some of the benefits and costs, are often not indifferent. If the bank is reluctant to grant the financing better to use a specialist. Usually the mediator knows at least a dozen banks and after a first judgment on the practice will be able to give it to an institution concerned with the operation.
His experience will also provide the necessary suggestions for accomodarla.
The choice of the right loan, a correct detection of the amount and duration, the association of a guarantor acceptable by the bank and other ideas that come from the experience will transform a question limping in practice feasible. Instead, be wary of the brokers, more and more common, which they propose to falsify the documentation of income to get the mortgage. In addition to the risk that the bank refuses the loan at the last moment, even in front of the notary, there is the possibility of being reported for fraud. Such a broker of ill repute you would certainly not scruple to attribute to the applicant the responsibility of fake. A different reason for recourse to the ombudsman is the possibility of obtaining more favourable conditions than those proposed by the bank at the counter. The mediator always cooperate with large companies that have entered into agreements with the banks, obtaining treatments that are favourable to the customers introduced by the network operators on the territory. When the mediator makes available to use, those that are more profitable for the customer, this means a big saving on interest.
The economic benefit resulting, or associated with the consulting of a technical, may thus represent an alternative and more profitable of the get by itself.
Similarly to other contexts, even among credit brokers are experts with great competence and seriousness, as well as some impromptu search of easy gains. Unfortunately, the recommendation of the estate agent may not be sufficient for finding a professional, trusted.
Also, if there is a qualified intermediary, during the interview answer questions clearly and directly, without wandering off, releasing a sharp feeling of competence and reliability.
A further characteristic that distinguishes the serious broker is not entitled to any advance, not even for the expenses, up to the attainment of an opinion of the bank, in written form. And to pocket his commission only after the signing of the notarial contract. Consider, finally, that the contract of mediation may involve constraints and penalties. Therefore, before subscribing to the position should carefully review the statements provided for by the Law on Transparency for the protection of the customer. Given the delicacy of the operation when it is linked to the purchase of a house, it seems right to recommend that the availability of the bank to grant the loan to be declared in written form. Credit brokers require usually commissions between l' and the two of the amount borrowed. When the practice is complex can get to three We know of cases in which it was required to you even if it is advisable to avoid to adhere to such excess. Among other things, the commission can be subject to negotiation, for which it is always worth to put it in discussion if you blatantly high. In exchange for substantial spending will be appropriate to expect a careful treatment and accurate up to the disbursement of the loan.
And the application to the mortgage conditions are sufficiently valid to be offset in whole or in part the costs of the mediation.
Tip: to access the terms and conditions agreed without paying any commission you can use the services of a few brokers on-line, as TeleMutuo. Sites complying with the regulation to produce the Information Sheet of the service offered in a dedicated section of the Web site.
Here are the summaries of costs, or the gratuitousness of the service.
Instead, it is advisable to be wary of operators who are not publishing such a document would be in breach of the law, leaving space in the motivated suspicions about the presence of hidden costs allegedly declared only in an advanced stage of performance. The texts of this page are protected by copyright laws and may not be riprodottisenza permission. Deposit entrusted to the SIAE (Italian Society Authors and Editors).
