{"id":10300,"date":"2022-11-19T07:32:45","date_gmt":"2022-11-19T07:32:45","guid":{"rendered":"https:\/\/loans.tiida-nissan.ru\/?p=10300"},"modified":"2022-12-08T18:41:22","modified_gmt":"2022-12-08T18:41:22","slug":"with-favorable-building-interest-on-customer-catch","status":"publish","type":"post","link":"https:\/\/loans.tiida-nissan.ru\/with-favorable-building-interest-on-customer-catch.html","title":{"rendered":"With favorable building interest on customer catch"},"content":{"rendered":"
\"With<\/div>\n

How banks with a favorable construction interest on customer catch go?<\/h2>\n

Skillfully banks go with a favorable construction interest rate on customer catching. Real estates buy or building was rarely as favorable as now. A low construction interest rate for construction loan and mortgage, as well as government subsidy programs make a real estate purchase more attractive than ever before. But so favorable is the construction interest on balance then usually but not. Have you ever looked closely at such a prospectus? The information on the construction interest rate is always provided with an asterisk. In addition, the note "Sufficient creditworthiness provided". So, or so similarly formulated. In plain language: Only those who have a first-class credit rating, in the opinion of the bank, will get such a construction interest rate.<\/p>\n

Why you do not get a top construction interest rate<\/h2>\n

As a rule, only the customers receive a top construction interest rate, who usually do not need it. So builders with high equity without unscheduled repayment and other extras. If one lets itself make a personal credit offer of the bank, then the personal building interest rate is far from higher. Often there is a lack of sufficient equity to get a top construction interest rate. In addition, there are significant costs associated with the purchase, known as ancillary purchase costs. Far too often, these costs are not sufficiently taken into account in a funding. Incidental purchase costs are land transfer tax, notary, land register and real estate agent, if you have hired a real estate agent. So between 5 and 12% of the purchase price is quickly added on in ancillary purchase costs.<\/p>\n

If one adds now still another own capital funds of 50 per cent, then you should be able to raise at least 55 to 67 per cent of the purchase price in own capital funds. Then you have a real chance to get a top construction interest rate. For normal consumers the chance to get such a top construction interest rate is almost zero. For us a clear case of lock-interest offer. What good is it to suggest a favorable construction interest rate to the consumer if he does not get it?<\/p>\n

The credit rating and the building interest<\/h2>\n

The requirements for creditworthiness are getting tougher and tougher. The lower the credit rating the higher the construction interest rate. The banks justify this with an increased risk. Consequently, neat risk surcharges are added to the construction interest rate. But extras and special requests also drive up the construction rate.<\/p>\n

Building loan with expensive building interest due to interest surcharge<\/h2>\n

Extra wishes in the construction loan cost extra and are included as an interest surcharge in the construction rate. Example: interest surcharge in construction interest rate<\/p>\n