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| Тема |
 Re: За Monica [re: Roxan*na] |
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| Автор |
Roxan*na (GG) |
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| Публикувано | 27.05.14 18:53 |
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The new rules will make sure anyone buying a home can not only afford the initial cost of buying the property, but are also able to manage repayments now and in the future – even if interest rates rise.
Money Advice Service research shows many homeowners have in the past failed to add up the true costs of affording their new home, causing financial difficulties for some.
Three in four first-time buyers admitted overstretching their budgets to get on the housing ladder, most because they’d fallen in love with their dream home and couldn’t resist it.
More than half found the total bill for buying their home – on top of the mortgage – to be higher than they expected by almost £1,300.
And once in their new place, more than half said day-to-day maintenance and bills turned out to be more than expected.
Potential homeowners will have to provide more evidence than ever before, including:
Proof of income
Lenders may ask for evidence of income, which may include payslips and bank statements going back at least three months, or retirement income. Customers will need to tell their lender about their outgoings such as Council Tax and utility bills, and other associated living expenses.
Evidence of ability to meet mortgage commitments
Lenders will need proof a borrower can not only meet the initial mortgage repayment but also on-going costs, taking into account foreseeable changes in personal circumstances, maybe an expected drop in income resulting from starting a family or retiring.
Borrowers will also need to reassure lenders they could still make their repayment commitments if interest rates increased. For example, homeowners with a £140,000 mortgage, making monthly repayments of £749 at 3.4% APR, would have to find an additional £171 a month if interest rates were to rise by 2%.
Our research also showed that if interest rates rose by 3%, almost half of first-time buyers would struggle to meet the additional £265 a month repayment sum.
И да не забравяме, че фаянсаджията е теглил 300К МИНИМУМ...а не 140К....както е в примера.....
Моника - имаш ли новини как фаянсаджията си плаща мортгиджа?
Робът се бори за свобода. Свободният - за съвършенство.
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