Features VIP- mortgage – We all tend to think that the credit and mortgage including a lot of people who can barely make ends meet. But in fact, quite the opposite . Wealthy people are not only not averse to loans , but also make it much more citizens with average income . Take, for example , business. In order to get the planned income , you need to invest money. Well, when there is spare cash , but those who are engaged in active business, there is usually no free money , they are all involved in the case. Comes to the rescue loan.
Of course, wealthy citizens are able to consider , in fact, for this reason they have money , and so, wealthy citizens are well aware that any loan is subject to interest. But if the ordinary wage earners , a person would have for a long period of time to tear a big piece of himself and his family somehow to extinguish their debts on the loan , the wealthy businessman blank credit funds into circulation and not only timely pay off debts but also get profit from it all . Such a system , driven by the laws of big money, allows wealthy people live essentially on credit , and thus do not feel on the brink, and quite confident.
As you know , the price of housing is constantly and steadily growing. Moreover, prices for luxury housing are growing at twice the speed . Attractiveness of mortgage lending increases significantly due to inflation and higher prices for vip- property . Furthermore, even a very wealthy entrepreneur has enough free money to buy housing , appropriate to his status. Consequently, the only way it becomes a mortgage. However, vip- mortgage is quite different from conventional mortgages.
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Typically , vip- mortgage is not allocated to a separate program, and part of a complex of the services that the bank provides separately taken wealthy clients . Despite the fact that the bank should benefit from such cooperation , vip- clients are subject to the most careful underwriting .
Attention from the bank’s security will be focused on all aspects of life of a wealthy client uses the services of the bank. It is understandable if we take into account the considerable sums of money that are issued as a credit to this entity. With the increasing size of the loan , the bank risks and grow . A bottom bracket luxury real estate today is at the level of one or a few million dollars.
And now try to mentally draw a portrait vip- client who in the eyes of the bank will be deemed worthy of the loan in three – four million dollars. Certainly , it must have a stable and substantial income . Most likely, it will be the owner of your own business , who can prove their income by presenting documents to the Bank from the tax office confirming the amounts that have been paid in taxes . In addition to major business interest in mortgage vip- show show business and other creative professions .
Despite the fact that vip- mortgage may be issued for up to ten years , wealthy clients rarely take credit for more than two – three years. Having a large stable income , they quickly extinguish their debts. We have already said in the beginning that a loan – it is always interest, and extended credit – this is a very high rate of interest , but wealthy citizens are able and like to take your money . Incidentally, the mortgage program for vip- clients does not differ substantially from conventional mortgages , ie interest rates similar . However, perhaps the major banks and provide certain benefits to customers if experiencing interest in maintaining close cooperation with the borrower. At least , these nuances are kept in strict confidence.
Rising popularity vip- mortgage is undoubtedly connected with the interest that today often wealthy citizens to real estate located abroad. Buying a townhouse in Miami or Panama is , inter alia , has a very profitable investment. Once a customer has made the first payment , he gets right to use the property in its sole discretion . It can , for example, rent it , and use the proceeds to repay the loan . And why not?
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