You already know what documents should be attached to the application, applying for a home loan, but you have no idea about the costs associated with its drawdown. In this article we will try to present them briefly.
Mortgage and costs associated with the granting
Calculation of the total sum, which will have to pay from incurring debt on your own home, it is not that simple. Because banks treat each client individually and it largely depends on him how much to pay for receiving benefits. However, you can extract some basic fees that are charged by most outlets. Among them mention should be made for granting a loan fee , ranging between 0% to 2.5% of its total value. However, in some cases, banks do not charge a commission, which depends on the offer and the customer. When you want to take out a mortgage credit , you can also meet with another commission, charged for issuing SBA . Its value varies from a few hundred to 300 zł. In cases where the bank prepares their own valuation of the property, may charge a fee for this service, and it costs 500 to 1000 zł, depending on the size and type of property.
Decide on your mortgage? Check the cost of insurance
Some services require credit insurance , especially if you own contribution to the person incurring it its relatively low. Life insurance, the risk of losing a job or random events are just some of them. Their value is very different and depends on many factors, so opting for a housing loan , you need to carefully look at the insurance and the amounts they have to pay for them. Is when we begin to repay their debt in addition to interest payments are not waiting for us no longer any fees? Unfortunately, not always. If you want to quickly pay off the mortgage , and in some cases you have to reckon with the commission. Appendices or opinions are not free and you need not pay for a dozen to several hundred zł. Nevertheless, the above estimates are very general and should not be treated arbitrarily, because - as mentioned at the beginning - the banks derive charge individually for each client.