A savings account to have your mortgage loan
Posted: Tue Jan 07, 2025 4:46 am
Financial institutions have designed products to facilitate access to housing loans for those who cannot justify their income with receipts.
If you plan to buy a house or apartment but do not have the resources to pay the down payment, you can use a mortgage savings account .
This product, offered by financial institutions, allows you to accumulate a fund to cover a percentage of the value of the property and also serves to demonstrate that you have the means to pay the loan each month.
The director of the portal www.mundonegocio.pe, Juan Carlos Ocampo , indicates that this type of account is aimed at independent workers or those who cannot prove their income because they work for a company that is not properly formalized.
"The purpose is for the bank to verify whether the person to whom it will lend the money will actually be able to meet the monthly payments ," he says.
It also states that a period of time taiyuan number screening is given for saving the initial fee , which varies between four and 12 months.
"You have to be up to date with your contributions, because if the client does not pay for two months, they will lose the opportunity to access the credit," he explains.
Households that constantly receive remittances from abroad also have the option of acquiring a property under a similar modality to the one mentioned above, Ocampo notes.
"The most important thing is that they can prove that they are capable of doing so and that they are receiving the money legally," he said.
TAKE NOTE The expert from www.mundonegocio.pe advises that before purchasing a new property you should find out in detail the background of the construction company.
He also recommends that you do an analysis of the location of the property and the price of services such as telephone, water and electricity in the area.
If you plan to buy a house or apartment but do not have the resources to pay the down payment, you can use a mortgage savings account .
This product, offered by financial institutions, allows you to accumulate a fund to cover a percentage of the value of the property and also serves to demonstrate that you have the means to pay the loan each month.
The director of the portal www.mundonegocio.pe, Juan Carlos Ocampo , indicates that this type of account is aimed at independent workers or those who cannot prove their income because they work for a company that is not properly formalized.
"The purpose is for the bank to verify whether the person to whom it will lend the money will actually be able to meet the monthly payments ," he says.
It also states that a period of time taiyuan number screening is given for saving the initial fee , which varies between four and 12 months.
"You have to be up to date with your contributions, because if the client does not pay for two months, they will lose the opportunity to access the credit," he explains.
Households that constantly receive remittances from abroad also have the option of acquiring a property under a similar modality to the one mentioned above, Ocampo notes.
"The most important thing is that they can prove that they are capable of doing so and that they are receiving the money legally," he said.
TAKE NOTE The expert from www.mundonegocio.pe advises that before purchasing a new property you should find out in detail the background of the construction company.
He also recommends that you do an analysis of the location of the property and the price of services such as telephone, water and electricity in the area.