Mortgage Consolidation Debts: With us
Do you want to consolidate your loans and mortgage debts you have and pay a single monthly payment? With debt consolidation mortgage you can do it. Get the liquidity you need and guarantee your family the serenity you need. Compare the Astro bank offers and choose the best one! We have been working in this sector for over ten years, always trying to satisfy all our customers, throughout the Italian territory. Request a Free Quote now and without obligation through this link: Click here and trust the experts! You will receive a contact within 24 hours.
Mortgage Consolidation Debts: How does it work?
Debt consolidation mortgage is a loan intended for people who have to settle over-indebtedness, so they realize that they are no longer able to pay ongoing loans on a regular basis . The bank will try to provide the amount necessary to pay off all the debts of the applicant. An amortization plan will be studied that will allow you to combine everything in one installment , which is usually lower than those previously paid. Usually the duration can extend up to 30 years and the maximum amount payable is around 50,000 USD. You can choose whether to obtain a fixed rate or a variable rate, as desired. There are also different ways to choose through this type of financing, such as: Mortgage consolidation loans and loans, Mortgage consolidation of loans only, Debt consolidation loan with additional liquidity . You will then also have the possibility of obtaining additional liquidity in addition to that used to close the current debts. Trust our experts, Click here and request your Free Estimate!
Mortgage Consolidation Debts: Who Can Request It?
The debt consolidation loan is intended in the meantime for those who own a property, specifically the first house , which must be put under guarantee. It will be possible to apply for funding from those who have a permanent contract for at least 4 months, from pensioners and self-employed. Obviously the loan applicant must be regular in the database , or absent from reports and protests. Therefore if you understand that you are going through a particular moment, before making payment delays and not jumping out of it, you request a debt consolidation loan. The applicant must be aged between 18 and 75 at the end of the contract envisaged. Evaluate your request and check how much you can get, fill out the form: Click here and receive your Free Quote!
Mortgage Consolidation Debts: Why is the loan rejected?
Usually the reasons for refusing a loan are always the same, now we will report them here too. You certainly can’t get the mutual debt consolidation if you are registered in a database like Crif, Ctc and Experian, making it a bad payer . We remind you that all banks have the possibility of accessing the Bank of Italy’s Central Credit Register and therefore consult the register to check if there are any reports or protests . Reports are present when, for example, you pay late installments, even for a single day, when a personal loan is rejected, it could be refused if you have never made a loanor if you have signed as a guarantor for a loan in which the applicant pays the installments badly. The bank may also consider that your repayment capacity is not sufficient and decide not to proceed.
Mortgage Consolidation Debts: Solutions if bad payer?
When you find yourself reported in any data bank, thus turning out to be a bad payer, you still have an alternative that Astro bank offers you , or the sale of the fifth . This type of personal loan is accessible even if you have had problems with previous loans, but it is reserved only for employees and retirees . In this case, the employees must be indefinitely with an active contract for at least three months, a state, public or private company (srl, spa, cooperatives) and pensioners receive a minimum monthly income of 600 USD. Through the sale of the fifth you can get high liquidity up to even 50,000 USD, with a light installment since the amortization plan extends up to 120 months . After having paid the 40% of the installments of the sale of the current fifth you can also renew it , or close the old loan to open a new one with additional liquidity , always remaining with a single installment in payroll or on payslip. Only for employees then there is the possibility of obtaining a second loan, or the payment delegation . In this case you will have two salary deductions. Request your bad payer loan now , Click here and get the Free Quote!
Mortgage Consolidation Debts: What happens if I don’t pay the loan?
The consequences of an unpaid mortgage can be really high and should not be underestimated. The credit institution grants you 180 days where you can ask to make the payment, obviously with a penalty on interest, and therefore having to make a surely higher amount. After the days and non-payment, the bank could request the payment of the full amount due by a certain date, established by them. After that we will proceed with the attachment , but the ownership of the property or the possession will not be lost. Before arriving at the auction, an outstanding balance can be proposed that the debtor will have to agree with the Bank. after which the house will be auctioned and it could win a much lower value that will not allow you to pay back the amount of the loan, remaining debtor to the Bank.
Mortgage Consolidation Debts: Do you need a guarantor?
The figure of the guarantor could be requested if a second signature has always been present in the previous loans. If you have a stable and constant income that allows you to prove that you can repay the loan you may not need a guarantor, even if the valuation is individual and different for each institution. Always remember to have the documents relating to the perceived income at hand.
If you have any doubts, click here and go to the ” Have a question ” section. A page will open in which you will find lots of questions asked by users who, like you, needed clarity and confirmation. At the bottom you will find a box in which to insert your question.