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Mortgage loans: a new bank joins those that give UVA loans and agrees to add the income of 4 people - La Nacion Propiedades
Source:
www.lanacion.com.ar
November 19, 2024
The entity allows owners of SMEs, entrepreneurs and independent professionals who operate with the bank to have a preferential rate
A new bank joins those offering mortgage loansfizkes - Shutterstock
Anew bank is joining the UVA mortgage loan comeback with a line of loans designed for those looking to acquire, expand or renovate a single, permanent home, or even a second property.
In this way, there are now 23 banking entities that have begun to offer their proposals since the end of April so that more and more people can access their own home . “In a country where 80% of the population cannot buy a home because their salary does not allow it, the offer of credit is essential to connect income with access to housing ,” said Gonzalo de la Serna, CEO of Consultatio.
With terms of up to 20 years , Banco Comafi allows you to add income with up to four joint debtors , such as spouses or direct family members, to reach the desired amount. For their part, owners of SMEs, entrepreneurs, independent professionals who operate with the bank and clients who prove their income will have access to a preferential rate.
“With this new line of mortgage loans , at Banco Comafi we want to provide access to credit and thus improve the quality of life of our clients. We also want to offer significant opportunities for those who lead their companies or commercial or professional ventures. We understand that it will be a highly valued tool for those who want to fulfill their dreams of buying a first or second home or to finance a renovation or expansion ,” said Hernán Sehringer, Head of Retail Banking. “We see a growth in the stock of home loans and we want to offer a more innovative alternative for our entity ,” he commented.
These loans are settled in pesos, and the liquidated capital is calculated in UVAs.Hernan Zenteno - The Nation/Hernan Zenteno
The new line includes the option of financing up to 75% of the value of the home - first or second - or 50% of the renovation or expansion of a house. The nominal annual rate is 7% and clients who channel their SME or business operations to the bank or credit their assets to the bank will obtain a promotional rate of 5% .
After five years without mortgage loans in Argentina , the announced loans are exciting the real estate sector , since, by increasing the demand for properties because a greater number of people will be able to access their own roof, this would generate an increase in housing prices , mainly in areas where the available options are scarce .
One thing to keep in mind is that the mortgage loan installment will include capital, interest and the tax component, if applicable. In addition, the bank is responsible for life insurance , fire insurance on the property, the costs of the first appraisal of the property and the establishment of the mortgage . While the costs derived from the sale (seal, taxes, fees) are the responsibility of the client .
www.buysellba.com
Source:
Créditos hipotecarios: un nuevo banco se suma a los que dan préstamos UVA y acepta sumar los ingresos de 4 personas
La entidad permite a los dueños de pymes, emprendedores y profesionales independientes que operen con el banco tener una tasa preferencial
www.lanacion.com.ar
November 19, 2024
The entity allows owners of SMEs, entrepreneurs and independent professionals who operate with the bank to have a preferential rate
A new bank joins those offering mortgage loansfizkes - Shutterstock
Anew bank is joining the UVA mortgage loan comeback with a line of loans designed for those looking to acquire, expand or renovate a single, permanent home, or even a second property.
In this way, there are now 23 banking entities that have begun to offer their proposals since the end of April so that more and more people can access their own home . “In a country where 80% of the population cannot buy a home because their salary does not allow it, the offer of credit is essential to connect income with access to housing ,” said Gonzalo de la Serna, CEO of Consultatio.
With terms of up to 20 years , Banco Comafi allows you to add income with up to four joint debtors , such as spouses or direct family members, to reach the desired amount. For their part, owners of SMEs, entrepreneurs, independent professionals who operate with the bank and clients who prove their income will have access to a preferential rate.
“With this new line of mortgage loans , at Banco Comafi we want to provide access to credit and thus improve the quality of life of our clients. We also want to offer significant opportunities for those who lead their companies or commercial or professional ventures. We understand that it will be a highly valued tool for those who want to fulfill their dreams of buying a first or second home or to finance a renovation or expansion ,” said Hernán Sehringer, Head of Retail Banking. “We see a growth in the stock of home loans and we want to offer a more innovative alternative for our entity ,” he commented.
These loans are settled in pesos, and the liquidated capital is calculated in UVAs.Hernan Zenteno - The Nation/Hernan Zenteno
The new line includes the option of financing up to 75% of the value of the home - first or second - or 50% of the renovation or expansion of a house. The nominal annual rate is 7% and clients who channel their SME or business operations to the bank or credit their assets to the bank will obtain a promotional rate of 5% .
After five years without mortgage loans in Argentina , the announced loans are exciting the real estate sector , since, by increasing the demand for properties because a greater number of people will be able to access their own roof, this would generate an increase in housing prices , mainly in areas where the available options are scarce .
Requirements to access the Comafi mortgage loan
- Be a Comafi client or become a client and start collecting your salary at the bank
- If you are working in an employment relationship, a minimum seniority of 12 months (having passed the probationary period)
- If you are self-employed, 24 months of seniority (if you are a self-employed person, additionally, at least 3 months of permanence in your current category)
- The maximum age to take out the loan must be 65 years, and 75 years at the end
- Have a minimum net income of $900,000
Documentation required to access a mortgage loan
- Submit the last 3 pay stubs
- Certificate of registration in AFIP
- Latest Earnings Tax Return with your payment
- Income Certification
- Last 6 Monotributo payments
One thing to keep in mind is that the mortgage loan installment will include capital, interest and the tax component, if applicable. In addition, the bank is responsible for life insurance , fire insurance on the property, the costs of the first appraisal of the property and the establishment of the mortgage . While the costs derived from the sale (seal, taxes, fees) are the responsibility of the client .
www.buysellba.com
