purchase of residential mortgage note used here

Finance – Stock Market And Stock Markets | | 0 views
In case of the old residence, when purchase is decided, in many cases, it is short at period in the delivery.It is important to know the point and the like to which beforehand, housing loan should note.

As for the old apartment and housing loan when the old Ichinohe building is purchased, when, new construction such as the fact that the housing loan which can do the method of returning which are suited especially, your own family constitution and the life plan which are the borrowing amount which is not unreasonable is chosen is purchased and, there is no big difference in method of choosing and method of thinking.However, it leaves to labor assistant, when the amount and the reform which should are necessary and the like, when new construction is purchased there is also a point which differs.

As for procedure of housing loan ahead of time

In case of the new construction apartment, when during to the delivery, several months, being long from application contract, when you call 1 years or more, it is.But, in case of the old residence, when it decides that it purchases, there is also desire and the like of the seller of the partners, period to delivery such as 1 months becomes short.

After housing loan applying, to loan execution, 1 months it is required.Therefore, housing loan is chosen thoroughly, the time that, goes to consultation in the financial planner, when almost you do not take is many, probably will be.in advance, for housing loans, what a good loan, such as what, let’s gather information.

if, the procedures for mortgage, if you want to spend a little time, let’s make can have room to negotiate for the period up to delivery date.

property is used to versatile the desired amount of borrowing from new construction

one of the differences of the used and new construction, expenses is. is used for the purchase of property, intermediary (mediation) for the contractor is inserted between, fee will be charged. in general, the property value3%+6million yen+consumption tax. for example, 3,000if the properties of ten thousand yen, 100ten thousand8it will be one thousand yen, same3,000even listing of ten thousand yen, if you like brand new condominium, this fee does not take.

that is, 3,000if the properties of ten thousand yen, expenses are, better used than in the case of new construction, at least, about brokerage minutes100it would take ten thousand yen is a lot, that minute, less self-financing to be turned down payment.

property is used in, in general, the property value8~10%it is said that the cost of various. apply for a mortgage underestimating the expenses minutes, from it after, if you try a lot of borrowing a little more, it can take time and re-examination. on was to give due consideration to expenses minutes, let’s hope so as to determine the amount of borrowing.

flat35if you want to use is about, following page in

flat35so if you want to use it, certificate of compliance must be

also used in the housing, you can use most of the mortgage as well as new homes. but, flat35if you want to use is to, buildings, that conforms to the technical standards prescribed by housing finance agency is a requirement.

certificate of conformity is, if the property used, property survey carried out to apply for certificate of conformity to the technical inspection authority or, pass will be issued by. the cost of this procedure2some units at ten thousand yen, 10for example, if different take about ten thousand yen. get an introduction to real estate company or intermediary, site of the housing finance agency you can also search.

certificate of conformity is the procedure of, 1it has been said it takes about a week. but, copy of the registration or, in some cases, such as design books, from stocks and so the required documents, the schedule is let’s have a margin.

it should be noted, in the case of purchase of the apartment is used, apartments to buy easy flat condominiums35 let’s check whether properties that are registered in the. this is, when new construction or easy flat condominiums35 maintenance standards and procedures at the time of registration of, built confirmed the criteria of durability or construction supervision system20is used within a year and condominiums. if the apartment has been registered, a written application for certificate of conformity is omitted by submitting to financial institutions, you can omit the certificate of conformity procedure.

but, flat35S (type used) if you want to use is to, even apartments that are registered, depending on whether you are complying with the provisions which, they may need to be the case certificate of conformity, property company, please check with the financial institutions.

mansion can also omit the certificate of conformity procedure, property information retrieval of housing finance agency you can find from.

if you need a mortgage of reform following page in

if you need renovation, the application along with the mortgage

if you are a reform, let us consider a plan at the time of purchase money.

used the case of housing, it may be a renovation after the purchase. this does not matter if you can prepare in cash the cost of renovation, if you plan to debt, you might also consider that along with the mortgage borrowing.

loan available to reform, and is collateralized mortgage, there is a home improvement loan unsecured. in general,, those who borrowed in collateralized mortgage interest rate is lower.

but, if, after mortgage borrowing, if you try to borrow a mortgage as an expense further reform, will need to re-establishment of a mortgage, minutes that it takes time and expensive. also, because the mortgage loans already, from the relationship between mortgage, basically will be in the same bank borrowing. if you wish to borrow in other banks is, and in conjunction with the refinancing of existing mortgage, still time consuming and costly.

if the renovation of a small, found unsecured home improvement loan, is not easy as well as the need for establishment of a mortgage. but, this loan, repayment period is typically short, also the longest15year degree. 500million yen interest rate3.5% (assumes a floating rate) , 15when borrowing in year repayment, monthly repayment amount is approximately3.5million yen. when it comes to repayment in conjunction with mortgage, burden will be heavy.

if we borrow on mortgage, same500renovation of ten thousand yen for generations, 30year repayment, interest rates1.5% (assumes a floating rate) per month if1.7million yen. from the repayment amount, those who have mortgage debt as if, repayment plan will be more predictability. from such things, if you need remodeling, let’s plan to buy as much as possible the original.

delivery of housing is used, such as the circumstances of the seller, sometimes you get rushed out the schedule. but, to select a satisfactory mortgage, even after the property is determined, it is also necessary to consider fully. about the delivery date is, it may request us to accept the, can have as much as possible to afford, let’s consult.