All those who want to become owners will have to make a significant financial outlay. And the purchase of a house easily exceeds hundreds of thousands of euros, so it becomes essential to request a mortgage loan from banks to complete this operation. So much so, that three out of every four buyers need a mortgage to be able to finance the purchase and sale of their home. However, there are many factors that can influence whether the bank gives the green light to granting one of these loans, such as the location of the property itself, the age of the borrower, whether he has a stable income or even whether he has a good credit history.
A person can accumulate small debts, which although they may be insignificant, if they exceed 50 euros they will be included in a file of defaulters –300 in the case of legal entities–, as explained by the real estate portal flats.com. Being on this list may be sufficient reason for the bank not to grant the mortgage because you are considered delinquent.
In this scenario, the first thing will be to find out what debt is outstanding and with whom. “Normally, you will know, but that episode may have happened a long time ago and you no longer remember. From the third month of non-payment of a fee you will be part of this list,” the real estate portal states.
The National Association of Credit Financial Establishments (Asnef) is one of the best-known defaulter files in our country. If a person does not remember how long he has an outstanding debt, it may be because he contracted it a long time ago. This person must know that he can remain in these delinquency files for a maximum of six years from the date on which the non-payment occurred. Therefore, once this period has elapsed, the Asnef may be requested to delete the data from the file.
Sometimes it may be that a person has entered this file by mistake without owing anything, so, after verifying that they do not actually have outstanding debts, they must request that they be deleted from the list.
However, if you have several debts, you should speak with the financial institution to find out if it is possible to unify the debts, although in this case it will be essential to obtain a guarantee, in addition to meeting a series of requirements.
“After having analyzed several ways to get off the list of defaulters, perhaps this last way is the best. We are talking about paying off your debt. If the amount is not very large, pay it and you will avoid going around and worrying more,” he says. the real estate portal. However, once the outstanding debts have been paid, proof of settlement will have to be requested and check that it no longer appears in the defaulter file. After paying off the debt, you can go to the bank, since once you meet all the solvency requirements, they will grant the mortgage to the interested party.
2024-02-20 11:23:28
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