Archive for the ‘Reverse Mortgage’ Category
Mediators bring a different vision, a personal credit market, particularly mortgage loans. With custom made, we will analyze the needs of our customers, which have led them to their situation, problem, or difficulty; we analyze your circumstances and focus our efforts on providing differentiated solutions. In Mediators not work to get credit or mortgages, but to meet needs, seeking the reconciliation of interests between the credit institution, the continued growth of its business assets, mortgages and interest of our customers.
Mediators offer a range of mortgages aimed at individuals, self-employed or employers acting individually, they need flexible solutions to meet contingencies. Depending on the need and purpose of the distinguished it in:
Consolidation Loan
Is a financial product, a mortgage, which allows you to group all your loans into one larger amount, with a share smaller than the sum of the current quotas? Aimed at those who:
* Pretend to reduce your monthly payments.
* Pretend to obtain additional liquidity and ensure the consolidation of their loans.
* May have implications for payment with Financial Institutions and want to consolidate them into a new mortgage.
* May have difficulty obtaining financing from other financial institutions as a result of payment incidents, little justification of income, etc. Mediator’s consolidation mortgage, you will get the amount you need.
Mortgage Liquidity
Mortgage is designed to obtain liquidity, to fund professional or personal. This mortgage offers high amounts of capital with moderate interest rates and an affordable fee. Target audience:
* Pretend to obtain liquidity.
* Want to finance public projects (business expansion, debt restructuring, problem solving, cash, etc).
* Want to get liquidity of an inherited property.
* Can be difficult to get a mortgage with other financial institutions as a result of having payment incidents, little justification of income, etc. The mortgage liquidity will allow you to get the amount you need.
Most of you, when I heard the word loan, it would immediately associate it with bank credit. No one did, but it is a loan is much broader than just a bank loan. As has been welding , seeking a loan to invest is not a bad thing, as long as its use for productive activities and the activities of the loan can be paid back.
Indeed, loans in the form more often done by companies. For example, companies issuing bonds or long-term debt securities and then sold to the public or interested parties. However, loans such models can only be done by companies that already run and meet the various requirements are quite complex. So, how about a new company or even an individual company? Is there no other alternatives in seeking a loan, other than in the form of bank credit? Clearly there is.
In the concept of financial management, search for business capital can actually be divided into several stages. The first stage is with their own capital. It is highly prevalent. Furthermore, if the company had begun the road, to seek additional capital could have used venture capital (venture capital).
1. Do not take the loan funds because they want to, but if indeed there is an urgent need, such as paying hospital bills while there was no deposit in savings.
2. Do not use limited funds to purchase loan assets that depreciate, such as electronic goods. So is buying a car, vacation, and other needs that are consumptive.
3. Ensure that loan repayment funds. If there is one available funds in savings, savings first priority to pay off these bills 
before submitting the .
4. Do not “parking” loans into savings, because interest earned from savings must be much less than the mortgage interest expense to be paid. The annual interest rate is only around 8%, while mortgage interest expense KTA could reach more than 20% per year.
5. Loan Personal Loan funds may be used to cover credit card bills, provided with the assumption that the KTA is lower than the interest rates applicable credit card issuing bank. If you are still using credit cards excessively, pay bills by borrowing solution still does not provide financial security for the long term.
Single Fee Mortgage
It is a short-term mortgage allows you to obtain financing and pay a fee only after 12 months. This mortgage offers high amounts of capital with a very competitive fee moderate interest. Target audience:
* Want to finance investment opportunities and / or professional projects (business expansion, debt restructuring, problem solving, cash, etc).
* You need a short-term shortage of capital and interest for 1 year, paying a flat fee at the end of the period agreed in writing.
Home Purchase Loan / Credit self-promoter
If you need to finance the purchase of your primary residence and it is already built, the solution we propose is a mortgage on the residence or first home.
If you’ve decided to live in a house built to your liking, you land in your name and you need to finance the construction of housing, we propose as a solution to the formalization of a credit self-promoter.
Mediatoris encompasses the supply of national and international financial institutions, all under the supervision of the Bank of Spain. With Mediatoris get the best mortgage with the best conditions and without leaving home.
Housing Mortgage Change
To change your home without selling before the present, we propose as a solution to formalize a change of home mortgage. With this type of loan:
* You can get all the money you need to buy your new home.
* First mortgage your current home and you want to buy. When you sell the old one and change your home reduces the amount of the mortgage, the proceeds of the sale.
* You have enough time to sell your current home with ease, thus avoiding the rush to sell off.
Mediatoris will give you the best mortgage in the best conditions and without leaving home.
Second Home Mortgage
If you’re considering buying a second home to enjoy it with your family and friends or simply want to invest to take advantage of an opportunity, the solution you need is a second home mortgage.
Usually these mortgages are granted on terms less advantageous mortgages for first home purchase in terms of percentage of appraised value financing, repayment terms and interest rate. However, there are financial institutions that offer mortgages second home very interesting, especially when you need a high level of funding.
Mediatoris will offer you the best choice without leaving home.
Reverse Mortgage
If you own a home, you’re over 65 and want to increase your income as a solution, we offer a reverse mortgage.
Formalizing a reverse mortgage using a property to raise money without selling it. This allows you to continue living in it or rent it to further increase your income. By preserving the property, your heirs may choose to later by:
* Stay home paying the debt.
* Sell the house or staying with the money left after payment of the debt.
* The reverse mortgage is a very interesting option as an alternative to annuity and to supplement income from a pension