What profiles are most sought after by banks (mortgage loan).
What is subscription to a mortgage?
Subscription to a mortgage is an option that is increasingly being adopted by many people to buy or build their house or apartment. But to give it, banks take into account a number of factors, and favor certain borrower profiles. What are these profiles?
In most cases, banks favor borrowers with a high degree of solvency. The market is particularly saturated, with prices on the rise. Nevertheless, banks do not hesitate to grant real estate loans to customers whose profiles really meet their expectations. Among the most sought-after profiles, those with a high level of resources are unanimous.
In this logic, banks are more flexible vis-à-vis young people who pay monthly particularly large sums. These are high-potential customers, who in the long term represent safe values for banks, since, in addition to this real estate loan, they can be linked to the bank by many other banking operations. Indeed, this kind of customers can domicile their accounts and most of their banking activities in this bank, given the climate of confidence already established between them, via the mortgage.
Who benefits mortgage?
Couples under the age of 35, and whose incomes are over $ 5,000 a month, will also be in the good graces of banks when it comes to obtaining a mortgage. These may in some cases benefit from a discount of the order of 0.10% to 0.15% on their rate schedule.
Professionals are also favored by banks when it comes to mortgage lending, as long as their activities are flourishing and offer important guarantees. This profile of potential customers benefits from 0.15% to 0.30% (variable rate depending on the banks).
Finally, the banks also appreciate the officials and very rarely hesitate to grant them a mortgage. This profile is characterized by the certainty of their solvency. Better, the banks themselves offer the public reimbursement terms for most flexible and rather within their reach. As a result, it is easier for them to subscribe to these loans without risk.