Before you start looking for the ideal home , you must consider the sources of your income so you can pay off. Have or not enough money to pay an advance or not you are eligible to
receive the loan from the bank , have enough guarantors for the loan you
want to him , he shall allow or later to pay rates ?The first and last question you can not answer than you , but we can come help you learn quick answers to other questions.
You are not eligible or financially ?In order to figure out whether or not you are eligible to receive a
bank loan you can make a calculation using the following formula :Your average net income for the last 3 or 6 months minus 300 lei (
personal monthly shopping ) , all divided by 2 ( ie a gearing of 50 % )
and hence the approximate monthly installment that you can afford ( in
view of the bank ) .example:30 years young , unmarried , without dependents , no other loansAverage net salary in the last 6 months = 1000 lei= > (1000 - 300) : 2 = 350 lei£ 350 is the maximum rate that the client can pay monthly, which means
it can take a loan (together with applicable interest ) of about £ 8400
for a period of 24 months (350 * 24 = 8400) .
In
case of such young have a dependent child , then the above calculation
is also lower in the 1000 another 300 lei lei , representing monthly
shopping baby ... and then obviously all the data change radically .But
if the amount you want to receive from the bank , however, is higher
and your income is not sufficient , then you should bring one up to two
debtors (or guarantors ) . In
this case, you will collect all revenue averages for the last 3 or 6
months, and subtract your monthly costs and the co-debtor pimples . The amount obtained a split second and will result in the maximum rate you can afford .
Attention!The
total maximum amount that you can sustain the rate over the loan period
is different from the amount that we offer as a bank loan. The
maximum total amount that will be paid at the end of the contract
includes bank interest and other fees , and possibly life insurance , if
applicable. As
an idea but if you want to make a calculation table for a 30-year loan ,
you divide the total amount that can support 2 and find out which is
roughly the amount of money you actually borrow vo bank.
