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Mortgage
 

Next, we give you some information that could interest you at the moment of formalisation of your mortgage.

What's a mortgage?

It's a financial transaction that allows to acquire a real property, receiving some important amount at very competitive interest rates. This is drawn up in a public document and your rights are constituted with the registration in the Office of Property.

In short, it's a contract so that a banking institution gives a determinated and fixed quantity of money, undertaking the person receiving the mortgage to restitute it in the agreed periods and conditions of repayment. In case of default on the part of the receiver of the money, the bank institution remains the owner of the real property.

Important also is the annexation of guarantors in the operation, if we need more money than what the bank is offering us. Guarantors are people who intervene as a guarantee in a money loan and assume the responsabilities of payment in case of default on the part of the receiver of the mortgage.

In mortgages the period of repayment can get until thirty years, but normally it's from fifteen till twenty years to avoid the payment of too excessive interests.

The mortgage can have a variable or fixed interest rate. The decision for one of the two modalities depends on the market of interest types.

Concession

The amount. Actually, The Law of the mortgage-market, imposes that the amount of the mortgage cannot exceed the 80% of the value of the estimation. Usually they grant about 70 to 80 % of the value of the estimation or of the marketvalue of the real property offered as a garantuee. Even so, in some determinated circumstances, the mentioned limit is expanded to 100% or more, depending on the economic trend of the market, on your financial situation or on the guarantors who support the request of the mentioned mortgage. It also depends if the person who requires the mortgage is a resident or not-resident person, as for a not-resident person the admitted quantity will be less.

The capacity of indebtedness. With the request of a mortgage, the quota to pay is calculated in fonction of the net salary. The banks recommend nevertheless that it not exceeds 35% of the mentioned income.

Documentation

To accomplish the handling of the mortgage, we'll need following documentation:

Cuando el solicitante es un Particular:
Identity papers or residence.
Contract of the transaction, of deposit, respectively the copy of the act of property, registered in the "Register of Property.
The last income statement
3 last payrolls
Contract of employment
 

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