 |
| What
you must know about
the mortgage lending:? |
|
|
 |
All
the aspects
referred in
the defence
of the costumer
are carefully
legislated.
More than in
any European
country. |
|
|
|
The
financial company
must has ready
a binding offer
at least ten
days in advanced
in which there
will be all
the financial
details of the
operation. |
|
|
|
To
formalizes the
operation these
need to be signed
for both parts
in the notary’s
office by registering
the Property. |
|
|
|
The
notary must
warn of any
anomaly that
could be in
the contract
and verify that
everything is
exactly as it
was agreed.
The contract
must be in the
notary’s
office with
a minimum of
three days in
advanced of
the day chosen
to sign the
contract, in
order to be
consulted by
the client at
any time. |
|
|
|
When
the Mortgage
has been initiated
requires to
be register
in the Property’s
inscription
book. |
|
|
|
The
Property inscription
agent has the
obligation of
qualifying the
mortgage, which
means that he
has to decide
or not to be
legally registered.
Besides he has
the legal obligation
to dedicate
part of his
working hours
to those ones
who requires
his advices
(Art.334 of
the R.H.). |
|
|
|
The
reference’
s indexes to
regulate the
indexation of
the different
interest in
the changeable
lending is calculated
and published
by the Bank
of Spain. |
|
|
|
Anyway
it is always
difficult to
chose the best
election among
the varied offers
of lending existing
in the market.
It is a very
important operation
for the family
economy. Only
happens just
a few times
in the life
which made more
difficult check
and compare
a large variety
of financial
aspects that
must be thought. |
|
