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Because I need a guarantor? Best current mortgage

Many people when going to a bank has a mortgage, they ask for a guarantee , that's when you wonder why I need a guarantee ...

The answer is simple: the bank always has to save his back, guarantees issued by financial institutions that are supposed to enjoy immediate liquidity in case of claim for payment of the guarantee, so you can return on investments one way or another.

To make a simple summary of this, we say that first the bank analyzes the person applying for a mortgage, looking at your income, job type, seniority as a client, etc. Keep in mind that, in principle, the guarantee of the loan rests solely the holder of the operation, and therefore, in case of default, will run only the assets of such person. If this does not have, or lack of value, or are already mortgaged, the bank has no guarantee of recovery. Therefore, after assessing the application, the bank's final results in a yes or no response at the mortgage loan was granted.

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banks offer their best mortgage , always trying to win as much clear, different mortgages then you might be interested: Mortgage

the letter A-and : Offers a differential Euribor + 0.29 and an APR of 1.82%. It is intended for the purchase of principal residence and second homes. When the mortgage is necessary to debit the payroll in that entity. It offers up to 80% of the valuation of housing within a maximum of 35 years.

box HipotecaNet Spain: The mortgage has a spread of Euribor + 0.35 and an APR of 2.87%. It offers up to 80% of the valuation of housing within a maximum of 40 years. When the mortgage is necessary to debit the payroll in that entity. Mortgage Breaker

Deutsche Bank: The mortgage has a spread of Euribor + 0.37 and an APR of 2,089%. Delivers up to 80% the appraisal of housing within a maximum of 30 years. When the mortgage is necessary to debit the payroll in that entity. Popular Mortgage

-e: The mortgage has a spread of Euribor + 0.45 and an APR of 2.57%. It offers up to 80% of the valuation of housing within a maximum of 30 years. When the mortgage is necessary to debit the payroll in that entity.

Paid Mortgage Barclays Open: The mortgage has a spread of Euribor + 0.55 and an APR of 1.89%. It offers up to 80% of the valuation of housing within a maximum of 30 years. When the mortgage is necessary household payroll in this organization. Mortgage

blue iBanesto: The mortgage has a spread of Euribor + 0.74 and an APR of 2.37%. It offers up to 80% of the valuation of housing within a maximum of 35 years. When the mortgage is necessary to debit the payroll in that entity.

ING DIRECT Orange Mortgage: The mortgage has a spread of Euribor + 0.79 and an APR of 2.43%. It offers up to 80% of the valuation of housing within a maximum of 35 years. When the mortgage is necessary to debit the payroll in that entity.

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Spanish Mortgages are still the most expensive residential mortgage

According to a study by the European Mortgage Federation, English mortgages are among the most expensive in Europe.

an average annual rate of 5.67 has gone to 5.76% in less than a year, have been placed in the top of the ranking of the mortgages more expensive for the EU, exceeded only by England, Poland, Hungary and Slovenia and Estonia, for less than one percentage point: 6.50%.

At the other extreme are France, Greece, Sweden, Belgium, Germany, Ireland, Italy and Lithuania in interest on a mortgage amount to less than 5%.

English Banking gives the reason for this report and has initiated a policy to refuse to issue a mass of mortgage banking for over 60% of home value.

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minimize defects and enhance the virtues

The definition of virtue, according to SAR is the personal quality is considered good and proper.

all consider ourselves a paragon of virtue, we like to receive compliments, this encourages us many times in our lives, but how different we are when it comes to external valuations are critical, intolerant and often unfair.

This human condition prevents us from enjoying many things in the course of life.


Living learning to minimize our faults and those around us there lightens and sweetens our status as human imperfection.


As Mahatma Gandhi:

"Since I am imperfect and I need tolerance and kindness of others, too I have to tolerate the shortcomings of the world until you find the secret that allows me to remedy them. "

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