- continue with the hazard criteria when studying the bank granted a mortgage
2. value of the loan on the home values \u200b\u200b if applicants are unable to meet its monthly payment obligations, the entities have to rely on the mortgage (ie, housing), to collect your loan , so this point is also studied
a. home value: normally apply a limit of 80% of choosing the lesser of two values: the purchase price deed and home values, according to the official assessment made. this threshold criterion - applied by many entities - is counterproductive when in situations like the present, we can find a "bargain" and the purchase price is significantly lower than the appraised value. at the bottom, which is trying to pursue entities that customers make an important initial contribution, demonstrating its commitment level
b. salability of the property: entities increasingly discussed this point is not that easy to sell that house at a good price in the unlikely event of having to seize the floor. Put another way, the more attractive and demanded the dwelling, the best (most entities have even certain geographical areas where they want to sign mortgage loans because of the difficulty of selling homes)
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