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Metroplex Mortgages

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Superintendency

Each year are numerous families that have as a goal the acquisition of adequate housing and who do not have sufficient economic resources. The housing policy is a means that provides financial resources for the purchase of social housing. The idea is to achieve that the Bank would adopt us operation in a more expeditious manner. To do this we must be clear steps to successfully achieve our goal. For the adequate presentation of the dossier of mortgage credit with the resources of the housing policy, it is necessary that the applicant complies with the following steps: first must determine, prior to the filing of the application, the maximum amount that the Bank could provide for the purchase of the main house. To do this, housing policy monthly family of Bs.

7000, sets a ceiling of income to what will be paid an amount of Bs. 271.800 to 30 years with an interest rate of 8.55%. Second, locate housing that suits the amount that the Bank will pay or contribute the difference as part of payment. Thirdly, you must submit the request together with the personal, economic, data of warranty and seller data. Finally, perform the appraisal of the property to determine the market price of the good. With all requirements to the day, the Bank will proceed to review the record, and if you all agree, will ask the authorization to the governing body of the housing policy, the BANAVIH, so appropriate to authorize the mortgage. Once received the go-ahead from the Bank, fix the date for the formal recording of the mortgage loan, day on which will have to assist buyers, sellers and the representative of the Bank for the grant of the respective documents in the public registry and delivery of keys.

Taking these guidelines into account, housing policy user will get the approval of the mortgage loan, provided that the information supplied is complete and up-to-date, so to be received the request by the operator financial, the dossier is processed without any delay. The requirements for the presentation are the following: identity card of applicants three RIF last payroll statement of income affidavit do not have own housing leasing loan application references personal and Bank Balance staff constancy of work or income certificate signed by public deed of purchase counter sales certificate lien certificate trading on the faov identity card and the solvency of front right sellers RIF and the water service appraisal of the property carried out by expert and registered with the Superintendency of banks and other institutions of credit applicants is three people maximum. These documents are essential for the Bank to process the credit application therefore place emphasis on the importance of the documents as a main element in that approved the credit quickly. Common is that many records are affected by the lack of documentation or because they have been presented out of time, resulting in that are refused such requests for provision of housing policy.

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