home loans

How to Buy Residential Credit?

The most curious is that the housing loan calculation. "How much housing loan can I get" the whole house where they want to take most of the asking initially, but they think they can take up housing loans wrong with this information.

Housing loan lending rate, banks verebilecğe loan amount, the appraisal value of the subject, so do not exceed 75 percent of the market value to be determined by experts. As he has to pay the remaining 25 percent of the down payment of the applicant. However, if you have already an estate, housing in all the collateral it will have a chance to buy a new lending.

Mortgage Costs

Housing loan costs, which will make contact occurs and the few items they wonder whether these mandatory costs. Briefly as follows:

Housing credit allocation fee in return for lending the bank received and taken thousands of lawful loan amount is a fee not exceed five.
But outside of that intelligence mortgage loan charges, loan processing fee receipt, the fee can not be charged under any other name, such as changing the payment plan.
Housing loan appraisal fee, to determine the value of your home or to the valuation made by the BRSA companies authorized by CMB away from you is a legal bank fees paid by the company. However, appraisal fee can not exceed the invoice amount.
If you want to give up your right to withdraw from housing loans have already been made in this process, but expertise process you will have to pay this amount.
"There is no debt" to the text, you can get it for free from the bank at the end of loan payment to pay for only the once finished.
Mortgage Loan Insurance

Mortgage loan insurance are determined in accordance with your agreement with the bank. TCIP is the only compulsory insurance is optional others. If you want another loan from the bank or you can specify that you want or if you want to make another insurance company, you can do so freely. Insurance briefly as follows:

Home insurance; ie your loan disaster, fire, burglary, to terrorism, which secures against organized strikes and annual insurance.
Earthquake Insurance Pool (TCIP); taken under protection against any kind of damage your credit and will occur due to the earthquake and earthquake insurance held annually.
Mortgage Life Insurance, namely insurance status with the death or permanent disability insurance protection area in terms of the loan.
Mortgage Prepayment or Configuration

Optionally, you have the right to early repayment of the mortgage loan or mortgage configuration process. Must be reconciled with the bank and you need to pay for early payment before maturity. Your bank has the right to reject this request. If you move to another bank in the process of configuring your loan at more favorable rates and you continue to pay your debt in the first bank in new condition closing the new bank by other banks.

Early payment discount, fixed-rate loans to pay the difference to close one or more or all of the debt must be applied by the bank without. You will be taken from the early payment of compensation shall not exceed the amount of interest or dividend discount.