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How to sell a mortgaged property

Posted on 14/07/2018 by hamahano_admin

You have a mortgage on the property, but are you going to sell it? It is not uncommon for a mortgage holder to sell the purchased property thanks to the loan obtained from the bank. How to do? How to sell a mortgaged property and above all, is it possible? What are the procedures to be put in place…

How to mortgage a property

Posted on 14/07/2018 by hamahano_admin

The mortgage loan provides that a mortgage is registered on the house for which the loan was applied. The mortgage on the property in fact, for the bank or the institution issuing the mortgage, is the most effective guarantee, as it guarantees the right of first refusal on the home in case of sudden insolvency of…

How to mortgage a home

Posted on 14/07/2018 by hamahano_admin

A building has always represented for the Italians a refuge, a lifeline, a security. If we are owners of an apartment, villa or home, we have already achieved one of the most important goals in terms of stability. The house is there but the money is missing? What to do if we need liquidity? Can we mortgage the property? How…

Do you need a loan and have you thought about using your car ? Here's what you need to know and how to avoid unpleasant surprises. Let's start then from the beginning, that is, to tell you what a mortgage is . This is a loan with a guarantee in case you do not return it. This time the guarantee is not a house, which lends you money can take if you do not pay, but directly your car. This is possible because the cars are " registered movable property ", ie marked in the name of the owner on a public register, which in our case is called PRA, in fact the Public Automotive Registry. The fact that the car is your right is guaranteed by the documents , that the certificate of ownership and registration certificate . How to mortgage a car? I tell you how it should work. It is a loan that, in form, is similar to all others . Put a mortgage in favor of a financial institution or a bank that will give you an agreed sum, making you accept the " amortization plan ", ie a certain amount of installments that you will have to pay to repay the money lent and the interest that costs you all the operation. You do not even need to show that you have a salary large enough to pay regularly, since bills are often used for bills. The law then provides a series of things to do , starting from communicating to the PRA that there is a mortgage on your car . It means that it is bound, but that you can continue to use it every day without limitations. When you communicate the PRA that there is a mortgage, this will follow your car even if you sell it, and will give the chance to those who lent money to expropriate it, that is to take it even if you have sold it in the meantime. If you have paid all the installments, however, the mortgage will be canceled and everything will return as before the loan. All this works and maybe it's convenient, but only in theory . In real life there are a number of bad news I have to give you. Let's start from the costs . Registering a mortgage, that is, communicating it to the PRA, and then canceling it, asks you for two different acts of the Notary, which you pay, not less than 400 euros each. The law then provides that you can move freely with your mortgaged car, but in practice it is not.