Getting a home loan can be a time consuming and bureaucratic process. Compare the whole market even more. A fast mortgage simulator can turn a day process into a matter of minutes. More precisely of 5 minutes, in the case of our platform.
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In this housing credit comparator, it is possible to access the market offer and all its specifications, which include interest rate, total amount imputed, installment payable, spread and even commissions. And more: through a series of steps, it is possible to access the personalized offer for each case. Let’s see.
# 1 – Fast Housing Custom Credit Simulator for You
To be able to show the proposals that only interest you and that are in line with your situation, we have a series of steps, on our website, with questions directed towards this purpose.
We try, for example, to know what your monthly income is or what your professional situation is so that you can accurately measure which bank and loan are suitable for you. And thus, the rate of approval of these same credits by the chosen institution in this fast housing credit simulator is also increased.
As soon as this part is filled, the results are passed.
# 2 – Picture with all the offers for you
Once you have completed all the steps to determine your profile, you will have access to a list of offers with all the necessary factors explicitly stated. You will be presented with the entity, the minimum requirements (if any), the APR (loan interest rate), the total amount allocated and the monthly installment payments.
There is also other information that is presented to you in this step. This information, which in housing credit, are essential to make a thoughtful decision.
In this fast housing credit simulator you will be shown, for example, how much life insurance and multirisk insurance paid roughly. Please note that these values are only an approximate simulation, taking into account your profile.
# 3 – Apply for proposals on fast housing credit simulator
To finish the process and get access to the offer you will only have to confirm some steps in the end. In our fast housing credit simulator we customize the offer for each institution so that, in the end, you will have to fill in only a few more steps requested by the institution.
Although you have chosen an online institution, our website will not fail to compare for you. After leaving a request for proposal, we will go to several institutions to collect various binding offers.
In the end, our team will present you with all the solutions and the consumer can choose which one is the most attractive for you. And here you will have a solid and concrete idea about what the best option in the market for you.
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Remember that you should put together some documents to scan and deliver via email, which, in general, are:
- Citizen card or Identity Card and Taxpayer Card;
- Last bank statement and settlement note;
- Photocopy of the last 3 receipts;
- Declaration by the employer;
- Plant location of the property;
- Building plan or fraction;
- Proof of other income.
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Buying a home is always a decision that should be weighed to the maximum. For those who do not know how to buy a home, there are always several factors to take into account. And often, everything is about a choice: do you prefer to have a prime location or pay less? Or do not you mind paying a little more to have a bigger house?
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Since it is a decision for “life”, when buying a home you have to pay attention – first and foremost – to the place where you will buy it. For example, if you go through your life plans have children, it is important to have schools or colleges close by and of course, it is always good to have easy access to a series of services: hospitals, pharmacies, supermarkets, public transport and the like.
Therefore, when thinking about how to buy a house, always pay attention to the place where it is located. But do not forget: the prime location also gets paid.
There is another factor to consider and the costs of which can be mitigated: IMI. Several factors contribute to the formation of this tax, namely location. This tax is 0.8% for rural buildings and urban real estate is between 0.3% and 0.5%. So, you know: the location of your property also affects what you will pay taxes on it.
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Now that you’ve found the house of your dreams, it’s important to find out if everything is in order. In this logic of how to buy house, the legal aspects can not be overlooked. First, go to Finance and see if the house you want to buy is inscribed in the building matrix. If Finance does not have this registration, it is better to wait and not sign the contract already.
Then, before signing any definitive agreement, it is important to ask for an expert opinion. Contact a lawyer to make sure everything is in order. If you do not, you risk losing a lot of money.
You may then want to sign a promise to buy and sell a contract that, although not mandatory, precedes the definitive agreement and conveys a series of obligations regarding the finalization of the contract.
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Of the most important things in acquiring a home is the decision of how to repay it and those who do not have wealthy parents have – usually – to ask for a loan for that purpose. So how can you save on this process? The first step is comparison.
Therefore, it is important to see which institutions have the most appealing offers. And remember: banks usually always ask for initial entry, so be prepared to have 15% to 20% of the value of the house on the side.
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Also, did you know that you can change the life insurance associated with mortgage housing at any time? Yes, all the credit for home buying has associated insurance. But this can be changed at any time during the contract. And with this change, you can save thousands of dollars.
However, financing to acquire property has quite a few other factors that need to be analyzed. In addition to the above points, consider other details such as solar exposure of the property, see if online mortgage loan rate (Indiana) is ideal, check if your effort rate allows you to borrow this loan and of course, make the worth buying a dwelling or if the lease is sufficient.