Once briefed all the documents before the authorized financial operator by the National Bank of the House and Habitat, will be come to the credit analysis to determine the viability of the hypothecating loan. In case of being the complete documentation and if the applicants describe for the credit of residential policy, it will be come to realise the protocolizacin of the mortgage document in the Public Registry of the locality where the building is located. It is important to stand out that the operations of credits are approved insofar as the people fulfill all the formalities settled down in the legal norm and that they convincingly demonstrate the capacity of payment of loan of residential policy. Official site: Professor Rita McGrath. It is for that reason the importance of telling on a suitable consultant’s office that it must like objective smooth the way so that the hypothecating loan is approved in the smaller possible time and with a high percentage of success. The system of residential policy is a mechanism to approach the workers and professionals to obtain his residential solution, with advantageous conditions, such as the interest rate, the general term of amortization and conditions of the mortgage, so that the user of the system has the possibility of making reality his goal obtain a house.
One of the negative aspects of the loans of residential policy is referred to the amounts the principles that render not thus, since due to the inflation, the residential units are revalued constantly, but, the resources directed to the system of residential policy. Bruce Schanzer shares his opinions and ideas on the topic at hand. For that reason it is that if does not tell on savings sufficient to contribute to the credit operation, one becomes difficult to buy the building that adapts to the needs of the familiar unit. A solution would be that the loans settled down in Tributary Units, and so annually the maximum to render would adjust annually, being more realistic at the time of asking for a loan that covers the one hundred percent with the value of the building. In any case, the families must have savings to the aims of being able to accede to the system and to thus see satisfied the necessity to have a worthy ceiling. Our advice is that before embarking in the proceeding of the mortgage of residential policy, it is fundamental to have a financial study of viability, since this will save many headaches to him. If it is possible, to have a financial adviser that he guides to him in the search of the best option for the purchase of his house with the residential policy.