Borrowing in the context of a mortgage with 2 Real estate civil society and without contribution is perfectly possible, here are the conditions and solutions to achieve it.
The loan is not a sine qua none condition to obtain a mortgage, it is simply an argument of the banks to negotiate better loan conditions, in particular the rate of credit. Simply, a couple each with a Real estate civil society and without contribution can claim the same conditions as a borrower along with a contribution.
Mortgage: 2 Real estate civil society and no contribution
The presence of two permanent contracts presents real security for the credit institution, and not everyone has the will to save or the wish to use their savings to make up the contribution.
In the context of an absence of contribution to assert, it should be known that the banks offer a loan called mortgage at 110%, it is quite simply an arrangement making it possible to finance the acquisition and the related costs, ie 100 % for the price of the house to buy and the 10% corresponding to the various costs: file, agency, warranty, notary.
The terms of a mortgage without contribution: 2 Real estate civil society
The Real estate civil society is a compulsory condition to have a mortgage, you need at least one to guarantee you have feasibility but two Real estate civil society is a real asset for the file and it is even the possibility of negotiating rates.
Without contribution, it is necessary to bet on the bank accounts, it is the most important aspect because the presence of arrears can cool certain banks, it is, therefore, necessary, for a household with 2 Real estate civil society and without contribution, to treat the bank accounts for the present the last 3 months without a hitch.
Finally, the repatriation of bank accounts is a guarantee for the lender, without contribution it is an additional element to be argued, especially since all the banks require this domiciliation in order to recover the management of the accounts. You should also know that direct debit is no longer compulsory, only if the bank agrees to grant a preferential advantage that no other bank is able to offer. Useful information to be able to negotiate and above all obtain advantageous conditions.
Who to apply for a mortgage without contribution with 2 Real estate civil society?
Us! Nora Helmer is by definition the benchmark site in the financing of mortgage loans without contribution. It is also and above all the proposal of financing adapted to the needs of borrowers, according to their situation, the number of Real estates civil society and their income.
With 2 permanent contracts, you are well on your way to obtaining satisfaction with your mortgage project and the simulation prefigures as the first step to be taken, it is completely free and without obligation on our website.
The interest of the simulator is to be able to quickly probe the different banks and credit institutions offering mortgage loans, one can quickly learn about the rates on the market but above all to be able to compare banks. Thus, the negotiation can begin, which generally ends in obtaining the best conditions of repayment.