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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.