In these moments, the Euribor seems that it plays in favor of the one whom they think in buying a housing or of those who already have it but they have to pay religiously his quota every month. But so much in a case as in other, this one can that it is a good moment to think of negotiating the mortgage, and the fact is that in moments like the current one in which the needs are too tight, everything what supposes cutting our expenses away welcome will be.
This negotiation we will have of taking it, inside the seriousness that deserves, how a game between two opponents, each of which will try to sweep for house. In our case, and with the current moment, we must realize well, that to no bank it will be interesting to him to lose a client, and that for it, there will appear more open seas to retain it still at the cost of losing little money. For the same reason, it is possible that it turns out to be simpler to renegotiate our loans with the entity to us.
On the other hand, and for those who are going to begin now his relation with a Financial institution, because they have thought of investing in an apartment, the situation is more complicated because precisely now the conditions that ask us for the banks to grant a loan to us are much more demanding than one year ago.
Be as it is, everything happens because we know well the existing mortgage offer, the market conditions, and especially, because we should adopt a firm and sure mood of us ourselves and our possibilities. And being like that, we will have to recognize a few phases for which any negotiation of any loan happens:
- Preliminary phase
We have already moved forward it to you. Firm and sure attitude. To know the offer that exists on the market and what the different banks give us will give us composure to sit down opposite to the TV/radio commercial and to fight for our conditions. Bear in mind that if the TV/radio commercial receives that we have doubts or sees us shy, it will take us to his area and the negotiation will be more difficult for us.
The first step, then, will be that we have quarreled for Internet (that for that we have it) what they offer the different banks, and it knowing that we should know more or less what we need: quantity, period, interest rates …
- Active phase: to gather mortgage offers
There comes the hour of beginning to the street and of visiting to those financial institutions that we believe that they can be more adapted for us. Once sat opposite to the TV/radio commercial, we will have to make clear what we need and esuccharlos attentively, raising all the questions that occur to us, but without leaving that they take the singing voice. It is important, realize it well, that you do not show any predisposition for his offer. to accept not at all of it still, because first we must listen to several, and if it is possible, up to indicating him to the TV/radio commercial that you are studying other offers, to create competition.
In this moments, do not forget that it is more difficult to haggle because the bosses that mark the TV/radio commercials are more strict, but nevertheless, you will surprise to know up to where it can stretch a well taken negotiation and the cost clippings that you will be able to have.
In this phase, try to gather a good scale of offers of different banks.
- Selection phase
With all the offers in the hand, to go away to your house and choose those who look like to you the best three. Look peacefully in what points you will be able to cut expenses away and where you will be able to haggle with the TV/radio commercial. If you demonstrate that you can become a good client for the bank, and you show this safety, the bank will do all the possible from retaining you. Make also clear that you have two or three offers in your hands, and that only you can only decide between some of them …
- Final phase: closing of the operation
So important ocmo this is all the previous phases of the closing. It is the culmination to the realized work. The moment in which you will have to give him “a last return of nut” and try this last clipping. Of course, have the decision clear and mostráos road surfaces with her. When you are going to close it you must realize well that THIS is the operation that buscábais.
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