What happens if during the 12 months you more than three times, even slightly expired mortgage payment?
You know that this may be grounds for recovery inherent property?
* you propose to be a guarantor for the loan?
The person for whom you should poruchitsya says that this is an empty formality, and that the answer he would have no debts. Was that true?
And you know what Clients are jointly and severally liable with the borrower on the loan?
Why do people turn to the bank for the loan?
Because it wants to have his apartment (house, land, a lot of money on bail) (Desired-stress). This is all exactly clear.
No question about it. And that serves as the main incentive to apply to the bank and get a loan?
* Actual calculation?
* Sample and colleagues on the board work (Vasey neighbor, school buddies, driving a relative)?
* Broskaya advertising?
Unfortunately, in most cases, do not own calculation, and an example of "neighbor Vasey, buyers of credit already a third apartment, or out roll-advertising play a crucial role in the treatment of mortgage. And that is why a mortgage instead of a source of good, threatens to become a source of trouble.
Mortgage: bondage or benefit?
Imagine that you took the money: they want you to urgently enough, and while you need a "decent" amount. (For completeness, a feeling I podstavlyu-ka figures: need 100000 dollars)
Where they can?
* Option One: money.
Bertie monthly salary: deduct from it the necessary expenses: for food, clothing, family maintenance, rent, etc.. That something deferred for unforeseen expenses.
How much remains?
Now imagine the funds and the money to do that every month can put off. How much time will be required to obtain the necessary amount of money?
* Option Two: go into the streets with a large hat (the amount of money required to fit there) and ...
No? Outdoor razdobyt not get?
* Option Three: to take with friends. (Here is where druzhba-to checked). What does not get? A custody tried to hold interest? They also can not?
Although it managed to take something? Excellent: were good friends!
* Then still another option: take the money in the bank.
In most cases, this option is more effective than mentioned above. How to get credit in the bank - this, indeed, is devoted to the project "On MORTGAGES"
That is, it turns out that the bank can-do, as there are only best friends!
That is, mortgage-can be good.
But mortgage-can be and bondage. Indeed, if the loan had to pay 9 / 10 of its income, it is not like the good think.
If it is not possible to pay on the loan, but because the court imposes cover not only planted on the bank property, but also the fact that there was - and in which the loan funds are not spent, what is the benefit f?
A small conclusion:
Withdrawal from the above, a simple enough: Mortgage is a tool.
The skilful use of this tool can make a life-crash, better, better.
Not able-use can lead to serious losses.
Neither neighbor Vasya covering as cool to live in his flat, nor Bank, on whose custom-made beautiful advertising is not paying your debts.
This is your choice and your risk!
To mortgages would be good-you need to think independently.
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A distinctive feature of a mortgage
