Smartest Values for the House Loan Options

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In the case of forms, such as civil law contracts or business activities, mortgage chances increase higher earnings and longer working hours that can be documented. Its minimum required length depends on the bank in some of them it is, for example, 6 months, and in others it can be up to 2 years. You can รี ไฟแนนซ์ บ้าน ไม่ ผ่าน

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Also taken into account is the relationship between the loan installment and the amount of income, the amount of maintenance expenses and the number of people in the household. Childless couples perform best in this respect, and the worst single parents with dependent children. Note also that although the 500+ benefit increases the home budget, it is not taken into account when calculating creditworthiness.

How to increase your creditworthiness?

Unpaid liabilities reduce our creditworthiness. Of course, it would be best to pay off all and apply for a loan with a clean account. However, this is not always possible. Consolidation loan may be a solution. It allows you to combine several financial obligations into one, and at the same time reduce the amount of the installment. If we have unused credit cards or debit lines, it is better to close them.

Let’s also pay attention to the timely repayment. Small delays, up to 30 days, are usually not treated as a problem. However, notorious delays, even a few days, may reduce scoring. It is enough, for example, that we have installments payable up to the 5th day of the month, which we usually regulate on the 10th day of the month, because then we are affected by the remuneration and our credibility is already decreasing. In such situations it is better to eliminate this delay, e.g. by paying two installments at one month or, if possible, requesting a change in the repayment date sometimes this may require signing an annex to the contract. If the obligation in which delays occurred, it has already been repaid, you can withdraw the consent to share the data and the Bank Register to this end, you must submit an appropriate letter to the bank.

However, the problem may be not only delays in repayment of installments or loans, but also the lack of any previous liabilities of this type. A bank that would give us credit then has no reason to check our credibility. That is why it is sometimes recommended to make some small commitment e.g. purchase in installments instead of cash and repay in a timely manner.

Let’s avoid the payday loans and borrowings, because they are not well seen. It is also better not to apply for a loan at several banks at the same time, as many inquiries are interpreted as many obligations.

As mentioned, the own contribution is of great importance. The higher it is, the greater the chances of a loan. Until recently it was possible to apply for co-financing of own contribution under the program, but it is not available from the beginning of this year. People who already have another property, such as a second flat, can treat it as an additional security for the loan and get it without a cash contribution. However, it is important that the value of this property exceeds the amount of the required contribution. Some institutions, such as workplaces or developers, allow you to take a loan to cover your own contribution. However, according to one of the assumptions of the recommendation, funds for own contribution should not come from a cash loan.