Future house or apartment owners weigh up which property value is in proportion to their assets and income and is thus justifiable. Taking out a mortgage is the optimal way for owners to create security and maintain the value of their home or condominium. The bank also conducts a means test, to accurately assess the risks associated with the mortgage and the planned project. We will assist you in determining the affordability, so that nothing stands in the way of your project.
Every mortgage depends on a reliable financing basis. For this reason, future real estate owners rightly consider what real estate value is justifiable within the scope of their own means. But in turn, banks also subject the borrower’s income to an in-depth review so that they can precisely assess the risks. Here, there are indeed differences in terms of the criteria they use in their assessment. One deciding factor is mortgage affordability.
Take advantage of independent and personal advising at one of our branches or in the convenience of your own home.