It is strange that people will not think of the trade when it comes to the financing of home loans is in the same way they would with a real estate agent.
Although the interest rate is not the only aspect of a home loan can be negotiated and is probably the variable most difficult to treat, he must first negotiate with the lender, the interest rate and try to reduce it to one or two points if possible, to raise money to savethe long-term interests.
Note that home loans are usually the repayment programs of at least twenty years and thus for high lead levels, ie a single point on the interest rate that thousands and thousands of dollars.
Negotiation skills
One of the best negotiating skills when buying something simple that you can not afford or simply too expensive. The creditor, if possible, try to keep your business ifThat can still have money from your business and then probably a better deal.
The only problem with this technique is that the creditor may offer a reimbursement program to include a reduction in monthly payments, but probably with the same interest rate and therefore higher costs in the form of interest, since the program more than the refund.
Another method is to react with a counter offer from another lender. You need to really provideprovide a written copy ", it makes sense, so you might as well make it up. speech has offered to the lender, another supplier of half a point less for the same amount and terms of loans is similar.
It is likely that the donor search, is to keep improving its offer to as a customer. May also offer other benefits, do not hesitate to take them, but they insist on a reduction of interest rates, is then given now can notback.
As a last resort take a threat to the creditor for your business elsewhere. This is usually at least give a final offer of the provider. It may or may not be to your advantage, but it will do its best to please you.
I remember that the rate is not the only variable for the loan and you can also identify other conditions that may be useful, interesting, and to save.
Further negotiations
AlthoughThe current credit crisis is not possible to negotiate with the lenders, many near the best offer. And if the credit score improves, he may again be the same or another lender by refinancing deals. Also, remember that most of the interest rate you can ask for a grace period, the plans for longer terms, the renegotiation of payment dates and many other changes to the loan terms that can benefit from it.
ไม่มีความคิดเห็น:
แสดงความคิดเห็น