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There are many ссудно-credit companies, but the company, engaged the credit under maintenance, very carefully concern to a guarantee (mortgage) which it is necessary for you to give that the credit. The companies, engaged the credit under maintenance, demand the real estate or the car as a guarantee, on a case if the borrower will not execute the obligations under the loan.

Your estimation of credit status will play a key role in approval of the application for reception of the loan, but yourguarantee will more essentially affect on the decision of the creditor company on delivery of the credit. The car it not so desired mortgage as vehicles in due course fall in cost, and the real estate only grows in the price and gives more guarantee, that the credit will be paid.

In rare cases when the guarantee for the sum greater is necessary for the person, than cost of its property, the company accept the savings account as the mortgage for payment of the credit. But, in many cases percent on the loan above, than percent on the savings account, therefore it is not favourable to borrower to leave the savings account as a guarantee.

What size of the mortgage is necessary for reception of the loan?

It depends on various factors, such as an estimation of credit status, your income and the size of the desirable loan. The loan should make approximately 20 % from cost of the mortgage. That is, for 8000 dollar loans, the mortgage in 10 000 dollars is necessary for you. For people with the worst estimation of credit status, the size of the mortgage will be above.

Be cautious with the companies, engaged the credit under maintenance, especially if you leave a vehicle as the mortgage. There were cases when the creditor companies demanded not only documents on a vehicle, but also spare keys. Then, demanding immense percent, the companies forced to break conditions of the credit and simply took away the car.

Unfortunately, such cases meet in each country and people remain due to pay money, losing thus the vehicles. If you conclude the contract with the companies, engaged the credit under maintenance, closely familiarize with details of payment of the credit and the size of loan percent.

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