What I think is necessary is to introduce it as a measure in the hands of the judge or arbitrator, along with others such as withdrawals, deficiencies, interest rate reductions or extensions of time limits, within a special procedure for bankruptcy of natural persons.
If you are preparing to buy your home, it is natural for you to have a question: Do I qualify for a mortgage debt transfer? To know if you qualify or you should not go through a credit evaluation where some aspects will be reviewed.
There are two key aspects that banks evaluate to grant a mortgage loan:
The positive rating for a mortgage debt in terms of salary depends on two issues:
Hence, to know if what you earn is enough to access the loan you must take into account the value of the property or else the bank will remind you.
For example, you may have a high salary, but even so, the monthly payments of the credit you aspire to almost reach half of your income. It is essential that the fees be less than 35% of your total income.
In short, to know if I qualify for a mortgage debt transfer I must focus on the types of income I have and the credit history. And do not worry if you are one of those who receive income from the fourth category, that is, they pay you for fees, because for this credit institutions have arranged savings plans.