How does a liquidity mortgage work?
Mortgage loans are part of a particular category of financing that requires the customer to guarantee a loan property, obviously not already subject to a mortgage, in exchange for a sum that for an employee can generally reach 70% of the value of the good made available.
Once the liquidity has been obtained, the client undertakes, just as it happens for a traditional home loan, to return the amount due to the bank in monthly installments calculated on the chosen rate.
You can have fixed, variable or mixed rate liquidity mortgages, depending on the bank offer. If the applicant is a self-employed person in general, the maximum amount granted does not exceed 50% of the value of the property. A mutual liquidity is a cheaper solution than a traditional loan if the sum you need is very high, because the rates and conditions of mortgages are certainly less onerous. It goes without saying that it is a choice to be operated with caution since it is a guarantee of the home ownership, and as always will need to go through the approval process by the bank chosen.
Examples of liquidity mortgages can be found both in the offers of traditional banks and in the offers of online banks. The CheBanca fixed rate mortgage loan allows you to obtain up to 60% of the value of the property, to be returned over a period of between 10 and 30 years. ING Direct's orange liquidity loan is open to loans up to 80% of the value of the property, starting from 50,000 euros and up to 500,000 euros.
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