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: Home loan Now let s see what are the types of loan for the renovation of the house. In general we distinguish three levels of loan restructuration: 1. Mutual for restructuring ordinary: it requires when jobs are only small interventions on the property; 2. Mutual for restructuring extraordinary: it requires when they are substantial work to be performed on the property and will therefore be necessary and important interventions to do; 3. Loan for renovation with great works: it is required when you want to make major changes both internal and external to the property. To change outside the building, however, it is necessary to require specific documentation to make substantial changes outside of the property. As for the facilities for the renovation of the house, when the jobs are started and run on a structure that appears to be a first home, then you can also make use of tax benefits related to the first house with the loan for the renovation of the house .

: Calculate the mortgage payment To calculate the rate for a mortgage or a loan you need to know before all 4 of the following factors: 1. actual amount of the sum paid, net of any expenses or initial charge; 2. The nominal rate of interest which must be referred to the period between an installment and the next; 3. The total number of installments; 4. The frequency of installments (eg: monthly, semi-annual, annual, etc.). If you do not know one or more of these factors, the problem of calculating the mortgage payment or the loan is open-ended.

: Insurance companies Insurance companies are distinguished between traditional and direct / online: the former have the advantage of having agents and agencies that interface with the user in person, but a service that affects considerably the prices of the policies that they account for up to 70 % more expensive than direct companies. The latter, instead, use the phone or the web to get in contact with customers: in this way the intermediation costs are practically eliminated and the RCA be cheaper

: Ask for a personal loan to pay off other loans If you already have other loans in progress and you want to combine them all into a single monthly payment, perhaps more sustainable, personal loans are not the right product for you. In these cases, better to opt for a loan to consolidate debts, specially designed for this specific need. Hardly a bank would give you another personal loan if you are already struggling to pay another.

 

 

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