2023-10-09 00:22:45
Although during July the mortgage credit rate reached its lowest level in 17 months, it is very difficult for all Chileans to access one, due to the high cost. It is for these same reasons that people look for the best alternatives.
There are many banks that offer banking services. mortgage loans, for the purchase of homes for people. In addition, it is important to note that this year the State Guarantee Fund was approved, which gives middle class people 10% of the mortgage to help pay the 20% that all banks ask for to buy their first home.
It should be noted that, when the credit is requested, your property will remain as collateral in the bank, so it is important that you simulate your loan before requesting it.
How to simulate a mortgage loan?
Those who are interested in carrying out a simulation of a loan of the different mortgage loans and see which one is most convenient, have to enter the website enabled by the Commission for the Financial Market (CMF).
On the site, you must select how you want the calculation to be expressed, since it can be in pesos or UF. Next, you must enter the amount you want to request and the term in years in which the credit installments will be divided.
Finally, click where it says “Simulate” to obtain the result with the interest rates of the different banks in the country, the dividend to be paid and the details of each of these.
Who can apply for a mortgage loan?
Although each entity will have different requirements, there are a series of them that must always be met. Check what they are below:
Be over 18 or 21 years old, depending on the bank where you apply. Be Chilean or foreign with permanent residence in the country. Do not appear as a debtor in Dicom and have a good business record. Have one year of work experience or start of activities. , in the case of being an independent worker. Have an income that allows you to pay the dividend, which cannot be greater than 25% of the salary. Have savings to pay a percentage of the foot (10%, 20%, 30% or more ).
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