מתי צריכים להגיש את הבטחונות לבנק המשכנתאות? - משכנטאצ'

במסגרת תהליך לקיחת משכנתא אתם נדרשים להגיש לבנק בטחונות. זהו תנאי בסיסי לקבלת משכנתא. אם אין לכם בטחונות, אין לכם משכנתא. בשורות הבאות תקבלו את כל המידע לגבי הביטוחים במשכנתא כך תוכלו להמשיך להתקדם לקבלת משכנתא מהבנק.

בטחונות משכנתא, מה זה בכלל?

משכנתא היא הלוואה לרכישת נכס תמורת שיעבודו. הבנק חייב לבטח את עצמו שגם אם יקרה משהו לדירה או לכם, הוא יקבל את ההלוואה עם הריבית בחזרה. לכן הוא דורש ביטוחים ורישום משכון כדי לבטח את עצמו.

מתי תדרשו להעביר לבנק את הבטחונות?

לפני שתדרשו לחתום על המשכנתא, הבנק ידרוש ממכם להגיש בטחונות.

כיצד תעבירו את הביטחונות לבנק?

עורך דין מטעמכם הוא זה שיעביר את הבטחונות והשיעבודים. אתם רק תחתמו על המסמכים שיבקשו ממכם.

האם אפשר למחזר את הביטוחים?

אם תרצו למחזר את המשכנתא במשך השנים, הביטוח גם הוא ידרש לעבור שינוי. הוא הרי מותאם לגובה המשכנתא. כך שאם אכן תמחזרו את המשכנתא, תוכלו לפנות לחברת הביטוח. שם תדרשו לעבור את השאלות האישיות לגבי בריאות וכו שוב מהתחלה ורק אז לקבל שוב ביטוח מחדש. הפרוצדורה הזו לא בעייתית כלל והרבה לווים עושים זאת במהלך שנות המשכנתא.

אילו ביטחונות קיימים?

הערת אזהרה על שיעבוד הנכס. שטר התחייבות על כך שאתם אכן מחייבים להחזיר בבוא היום את כל הכסף שלוויתם. אישור מרשם המשכונות חתום. ביטוח חיים וביטוח מבנה.

חשוב לפנות ליועץ משכנתאות פרטי ולא להסתמך על היועץ בבנק!

רק אם תפנו ליועץ משכנתאות תהיו רגועים. כך תדעו שהעניינים בשליטה ואתם לא מתבלבלים.

משכנתא היא הלוואה גדולה מאוד הדורשת ידע ובקיאות יתרה בתחום המשכנתאות. אי אפשר לקחת משכנתא לבד. ובשביל זה אנחנו כאן. צוות משכנטאצ' מתמחה בליווי אישי למשכנתאות. אנו נעזור גם לכם להגיע לדירה משלכם עם משכנתא משתלמת במהירות ובקלות. הקליקו עכשיו ואנו נשרין לכם פגישת ייעוץ עם יועץ משכנתאות מנוסה מחברת משכנטאצ'.

כתיבת תגובה לבטל

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