Finer Values for the Payday Loans Now

If you have not
paid your last rent, it is possible for the owners to request a direct
attachment of your salary. It is not an eliminatory criterion to obtain a
credit, but it is obvious that if the amount claimed is large, it will
represent a negative point.

Attachment of wages for the payment of support

In the event of
a divorce, a spouse may have to pay financial compensation to the other spouse
who has obtained custody of the children. Attachment of wages is a means
sometimes used by judges to ensure that the necessary funds are paid. Again,
this is not a blocking point for obtaining credit. This is a great website
that you can opt for you.

Take care of your file despite your salary attachment

You understood,
a wage attachment is not always blocking to get a new credit, but it will
obviously be an element to be taken into account by financial institutions.

  • Home loan application Depending
    on your profile, and the risk assessment taken, the bank will agree to support
    you or not. If you cannot therefore put an end to the current wage attachment,
    use other assets to obtain a positive answer when you request your personal
    credit.
  • Always explain the source of
    your salary attachment, and do not lie about the amounts actually taken each
    month. For example, provide your latest account statements so that your contact
    can understand the nature of the debt repaid via wage attachment. Indicate the
    date on which this entry will end. If the remaining repayment period is short
    enough, then you are much more likely to get a positive response;
  • Try to present a case without
    other incidents. Avoid, for example, payment incidents such as the excessive
    use of overdraft, or payments made without the necessary funds (rejections,
    refusals);
  • Present, if you can, a stable
    and lasting professional situation, in order to show the seriousness of your
    request. Having a permanent contract is a positive point, but accumulating jobs
    for three years without a period of inactivity is also appreciated;

Finally, if you
can, try to provide strong guarantees to reassure the bank and limit its
risk-taking. By having a property that you can put as a mortgage guarantee, you
will reassure the credit organization. You can also hire a co-borrower, who
will become jointly liable for your debt in the event of a problem.

Play benches against each other

Those who visit
only one bank in their search for the best home loan rarely have the best rate
on the market. Some banks are willing to lower the rate if a competitor comes
across more favorable conditions. Therefore, always go armed with a rate from
the competitor to the lender. That way you increase the chance that you will
receive a better proposal.

Don’t forget the suspensive conditions

If you need
enough time to compare banks, you can ask the seller to include suspensive
conditions in the provisional purchase deed, including the reservation of
financing. The more time you have to compare, the more likely you are to
negotiate better terms.