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Advices > Do not only pay attention to the economic conditions ...


The key points of the economic conditions are:
  • Term, concern and percentage of financing;
  • Type of interest, indices of reference and differential;
  • The TAE;
  • Reboundable commissions and expenses;
  • Moratorium Interest and anticipated resolution;
The amount of the loan comes generally determined by the appraisal value.

The Law of Regulation of the Hypothecating Market establishes a Maxima financing of 80% fn the value of appraisal, for the case of houses, and of 70% for the rest of buildings, amount that comes to be the standard of financing for most of Banks. Superior percentages of financing usually imply the necessity to present additional guarantees.

The average deadline of the operations is of 15 years, being able to find in the market terms of up to 30 years.

The amortization of the loans is normally made by means of the French system of amortization, that consists in considering a constant quota, which includes interests and amortization of capital with which the loan is amortized in the suitable period.

 

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