Mortgage Policy

hypothecary policy

If available, this policy should be indexed. A policy that pays out the mortgage of a policyholder in the event of death. Credit policy - criteria for mortgage financing We base our evaluation of affordable prices on the net incomes of claimants and households' expenses. Must be at least 18 years old at the time of applying. Max age: The max ages of all candidates are 85 years.

Up to 100% of the temporary worker's salary will be taken into account with proof of performance.

Up to 2 candidates are accepted. Under the following conditions we cannot process applications: Claimants who have taken possession of a real estate in the last 6 years. Backed loans may be accepted if they are older than 12 month. If you are interested in a particular case, please do not hesitate to get in touch with us. Uncovered outstanding loans are tolerable if the account is now up to date - we are accepting a max of 1 month backlog in the last 12 month and no more than 2 in the last 36 year.

There will be no back-to-back loans within 6 month after use. If you are interested in a particular case, please do not hesitate to get in touch with us. Candidates who were dismissed from insolvency more than 36 month ago will be considered. 50% of the bonuses will be included in our calculation of affordable prices, where it can be stated that it is regularly and sustainably.

Please feel free to ask us to review the case if the overall revenue is predominantly generated by the reward component, as this may influence the amount we can loan. We can take into account up to 100% of your bonuses on an ad hoc base. If you are interested in a particular case, please do not hesitate to get in touch with us.

Up to 100% of vehicle supplements are accepted if they are contractually agreed. Children benefits are not included in our affordable bills. 50% of the fee revenue will be used for our affordable bill. Please do not hesitate to ask us to review the case if the overall revenue is predominantly royalty driven as this may influence the amount we can loan.

Up to 100% of our fee and commission earnings can be taken into account on an individually defined base, where fee and commission earnings are certified as regularly and sustainably. If you are interested in a particular case, please do not hesitate to get in touch with us. Job offers are accepted from companies that have been working for at least 12 month. Candidates must have at least 3 month to complete their present contracts.

If a CCJ has been made in the last 6 month, we do not take an application. 3 per cent of the amount due shall be used to calculate affordable prices. Each applicant is rated with a loan. We do, however, depend on seasoned and well-trained actuaries to review all mortgage requests in order to make a loan approval for you.

Candidates with a very low number of points will normally not be admitted and will most likely be rejected. Uncovered receivables due to be retained for consolidation are ignored in the evaluation of affordability unless the claimant(s) meets the following Credit Impaired definitions of FCA: a client who: Claimants meeting the above definitions must be able to prove affordable under the presumption that the aggregate amount of uncollateralised debts to be included in the consolidation should not be recovered, i.e. the credit repayments must be taken into account in the affordable valuation.

Please note that we do not receive job offers from people who have an activelyMP. It is possible to consider candidates who successfully complete a MMP more than 12 month ago.

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