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The privilege of lender of deniers

In the same way as the mortgage, the guarantee of the lender’s lien allows the bank to ensure against an individual asking for a mortgage. What is the lender’s privilege? How does it work if the debtor fails? What are its advantages and disadvantages? And what is its cost?

The guarantee of the lender’s privilege

The guarantee of the lender

This guarantee is similar to a mortgage. Nevertheless, it adds a priority to the lender on the guarantee taken. If the property is seized and sold, the creditor will then be paid first rank in front of the others. This act must be registered with a notary. This necessarily leads to costs relating to the establishment of mortgages.

This guarantee can only be chosen for old property or land, but never for property under construction. The privilege of the lender of money, therefore, gives priority to the creditor who has lent “his money”, thus funds, for the acquisition of real estate.

Read also How much does a real estate loan really cost?

The guarantee of the lender’s privilege works in the same way as a mortgage, the guarantee will occur in case of default of the debtor. When a loan is no longer reimbursed, the bank is obliged to activate the guarantee by selling the property it has financed. Once the sale has occurred, and in the event that the amount obtained covers the debt, the bank will liquidate the debt. In the event that it does not cover the debt, the difference will be borne by the borrower.

What are the advantages and disadvantages?

The lender’s lien guarantee is significantly less expensive than a simple mortgage. This guarantee gives a lien to the lender, which strengthens the negotiation in the granting of a mortgage. Upon registration, the borrower will be exempt from real estate advertising tax.

On the downside, the disadvantage of PPD is that it does not allow the purchase of a new, under construction. This guarantee can not be taken as part of a loan redemption.

Unlike the mortgage, the lender’s lien can only be used once as part of a loan.

As part of a normal mortgage, it is referred to as first or second rank. The guarantee of the PPD has priority over any other guarantee, this being a constraint. The release of a PPD is more restrictive than for a simple mortgage that benefits from an automatic withdrawal after two years following the end of repayment.

What is the cost of the lender’s lien guarantee?

lender

The PPD guarantee allows a lower cost compared to a simple mortgage. The actual cost will be: (loan amount x 0.73%) + 549 euros. It is exempt from the right of real estate advertising amounting to 0.615% of the amount of Wilkins Micawberment.

The lifting of the DPL guarantee entails a high cost in the event of early repayment of the loan.

The lender’s lending privilege remains an attractive alternative to the mortgage and should not be ruled out when studying your Wilkins Micawberment plan by credit agencies.

A Quick Loan for Current Needs

We have just received a very high electricity bill, or maybe our car needs repair? Sometimes it will simply be about painting the whole apartment, or buying new furniture. This type of expenditure is really very much.

If, however, we are unable to put down more cash for any of these situations, it is probably high time to decide to borrow money from the bank. Yes, it is not a simple decision, but certainly a cash loan can prove to be a very helpful product that allows you to achieve your goals.

How to get a cash loan quickly?

How to get a cash loan quickly?

Probably the fastest financial products that are advertised at all are usually payday loans provided by loan companies. However, banks do not want to be worse in this respect. Also in their offers, cash loans granted within 15 minutes are becoming more frequent. Potential borrowers only wonder if they are dealing with a real offer, or maybe just a marketing trick. It’s high time to find out for yourself.

Relax, for this we do not have to take a cash loan right away. We can verify it by reviewing the comparison in financial comparison websites prepared by experienced specialists. Actually here we will have black and white, which institutions offer quick loans , and on which decisions we have to wait a bit longer.

Fast credit, only via the Internet?

Fast credit, only via the Internet?

It seems that the fastest way to handle the formalities related to a cash loan by sending an application via the Internet. Indeed, it is a great convenience, considering that we can do it from anywhere, all we need is an Internet connection. Submitting the application takes literally a moment, and after about a dozen or so minutes we get the answer whether the loan is granted to us, or whether we have not fulfilled any conditions.

However, it is worth trying to submit an application directly at a bank branch. It may seem quite outdated, but many branches promise cash on the spot. Only what we can waste time in this case is first of all access to the bank’s headquarters, and stand in the queue.

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