If you have already made the decision to go live alone, the first thing you should ask yourself and answer is where you are going to live. For this, you have many options: go with a friend to your apartment, rent alone or with a Ronny or buy a new apartment or house.
The most advisable is the third option since you will be acquiring a heritage for the rest of your life. If you are also interested and want to acquire a property, you will most likely require a mortgage loan.
Looking for an apartment or applying for a mortgage loan?
A mortgage loan is a loan that the bank will make for the acquisition of the property. But … What is the first thing you should do, go find an apartment or apply for a mortgage loan?
The first thing that comes to mind is that you should look for the department and then go to the bank to see if they lend you the necessary amount to buy it. We do not recommend this! Ideally, you first know how much money the bank is willing to lend and based on that information you go out to find your new apartment.
Scope of your credit
Doing it this way, you will know in advance what is the scope of your credit and you will better define the departments that are within your reach. In this way, you will avoid wasting your time looking for thousands of departments that in the end you will not be able to acquire because your credit turned out to be lower than you had thought.
Similarly, if you have a stable partner and want to access a greater credit capacity you can apply for a loan to buy joint house. Now, if you have doubts about it and need advice. Call us! Our team will gladly advise you at every stage of the process. In this way, you will get the mortgage you need to buy the property of your dreams. Contact us now!