Latest Mortgage Rates

Latest Mortgage Rates

AHP

When financing the purchase of your home there are also certain keys that can be applied to obtain a better treatment that suits your needs.

Although many believe that they should settle for what the bank offers without putting any but, you should know that this is not the case. You must remember that the bank is not giving you the money, but rather it is a loan for which you will pay the corresponding interest, that is why you are fully entitled to seek the best conditions for your mortgage.

So, if we want to negotiate mortgage credit, what can we take into account? One of the most important points is that the more informed you are, the better it will go. You can not go without knowing where you are standing or what your payment capacity is (if you do not know it, you can find it here). It is ideal that you know all that information about your finances, so that you can talk clearly with the advisor about how much you can pay.

Second, remind the bank that it is a good customer. If you have had loans or have cards and are up-to-date on everything, it is a point in favor, because the advisor will see your history and the bank will want to have you as a full-time client.

As a third piece of advice, you can move your salary , savings or card account, since the more products you have in the same bank, the better conditions are granted, that is, you can access preferential rates. Beware, that this should be done when you have found the institution that charges less and gives you the best conditions, because otherwise, it would not make sense to go to that bank.

Finally, make the comparisons of the different offers of the banks, so that if the bank does not want to reduce anything in the interest, can play the letter of a “second offer” by another institution. If that institution is not willing to give in, you can always go to another of its list to see if it can obtain better conditions.

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