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Need to get a bigger amount of money to buy property, whether a house or an apartment, or to repay another loan? One of the financing options offered by the Postal reverse mortgage Bank, through the so-called 'Practical mortgage. It is a loan secured by real estate, so it is an essential condition for liability property located in Slovakia. The applicant can provide security properties in their possession or in the possession reverse mortgage of a third person, of course, must be accepted by the lien in favor of the bank. The second condition for a mortgage is to provide practical reverse mortgage demonstration of ability to repay the loan through an adequate income from employment, business, respectively, of another bank acceptable income (eg retirement pension).
If sufficient income applicant or applicants can be obtained from Poštovka reverse mortgage on real estate financing to 200,000. The minimum loan amount is 10,000. Given the need to establish a lien, the loan is worth taking the higher amount. 10,000 can be obtained through the classical consumer reverse mortgage credit, so if you only need so many prefer to stick around for consumer loans, which although will be slightly more expensive, but on the other hand, will not have to vouch real estate.
Amount of the payments may affect the client itself, depending on how long it plans to repay the loan. The longer maturity (up to 30 years), the lower the monthly payment. Finally nowhere is it written that although the contract for the max. maturity, you will have to pay long 30 years. People who have dealt with the issue of financing and furnishing their own homes usually want to pay as little as possible, until "green reverse mortgage surroundings." Later, on the anniversary of fixation is possible with a loan move however, that shorten the maturity, to repay, to send a special installment reverse mortgage ....
In addition to the legal options for early repayment of the loan or part of the free end of the period of fixation, and almost standard option of early repayment of up to 20% of the outstanding loan principal once a year at no charge, Postal Bank offers more options. For example, reducing payments up to 30% at 18 months free of charge or a full opportunity reverse mortgage to delay payments (both principal reverse mortgage as well as interest) for up to six months without charge. reverse mortgage
Name Postal Bank and the Bank Product Name Practical mortgage loan volume minimum: maximum 10,000: 200,000 (possibility of financing up to 100% of the value of the mortgaged property) Maturity 10-30 years Securing domestic reverse mortgage property owned by the applicant, or in the possession of third persons Terms of applicant age 18 to 60 years (at the time of application), Slovak citizen or foreigner with permanent residence in Slovakia, verifiable income from employment, from business or another bank acceptable Aim to purchase real estate, refinancing another loan to 20% of the granted amount can be drawn without documenting the purpose of interest rate - in% pa Fixation of one year from 4.25 to 7.77 Fixation of three years from 5.09 to 8.61 Fixation of five years from 5.44 to 8.96 Interest late payment of 5.25% loan processing reverse mortgage fee of 0.75% of the loan amount, min. 200, max. Report 1000 0.00 Loan Account Special payment or prepayment at the time of renewal fixation: free of charge once a year to 20% of the principal balance: free of charge in other terms: 3% of the installment renegotiated reverse mortgage terms of the client's reverse mortgage request deferment of payments 0.00 0.00 credit, failure to change the subject of security change 100.00 150.00 fixation period another change Reminders 1 60.00 and 25.00 2nd reminder call for repayment of the loan 25.00 Extraordinary Design loan account statement 10.00 300.00 Liquidated damages
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