Decide to make an application for a mortgage loan, not quite everyone realizes they will have to incur costs to finally receive the credit.
Most of the applicants, draws attention only on the interest rate loan, not dealing with a completely other charges, which will have to bear. Thence the later all kinds of confusion and nerves due to higher than pre-planned expenditure.
Some costs are fixed costs and can not be altered or circumvented. These are all the charges that are not associated with the bank, such as a mortgage. However, some of them, you can negotiate because their height is determined lending bank. The costs associated with the granting of the loan include:
fee for processing the loan application,
preparatory commission or fees for the preparation and launch of the loan,
fee for the valuation of real estate,
the cost of property inspections ,
insurance costs ,
costs of establishing security ,
commission for changing the currency of the loan,
fees for early repayment of the loan,
charges for all kinds of annexes to the agreement,
There are, of course, all fees, as each bank can create new forms of fees that raise the cost of credit . Most important, however, is that prior to the submission of the application, thoroughly familiar with their height. It is also good, compare the amount of all costs in a number of different banks. And only on this basis decide which bank to apply for credit. It is not always the cheapest is the bank where the loan interest rate is the lowest.
There is always the opportunity to negotiate the terms, and what the associated costs of credit granted. If the client is credible in terms of credit if you use a given bank with other products such as savings account - billing, if you have a large deposit, it is always better for a bank customer, and what goes with it, can count on some concessions related to the reduction of the cost of credit .