{"id":38929,"date":"2025-01-11T07:58:51","date_gmt":"2025-01-11T07:58:51","guid":{"rendered":"https:\/\/www.asesoriaorihuelacosta.com\/?p=38929"},"modified":"2025-01-16T05:30:28","modified_gmt":"2025-01-16T05:30:28","slug":"tips-for-getting-a-mortgage-keys-to-success","status":"publish","type":"post","link":"https:\/\/www.asesoriaorihuelacosta.com\/en\/tips-for-getting-a-mortgage-keys-to-success\/","title":{"rendered":"Tips for getting a mortgage: keys to success"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"38929\" class=\"elementor elementor-38929\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d07809d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d07809d\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72a2c3a\" data-id=\"72a2c3a\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-538e69b elementor-widget elementor-widget-text-editor\" data-id=\"538e69b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Getting a mortgage can be a complicated process. There are several tricks and strategies to increase the chances of a successful application, ranging from managing savings to preparing the necessary documentation.<\/p><p>It is essential to understand the importance of prior savings, job stability, and maintaining a good credit history.<\/p><p>These factors are crucial when financial institutions evaluate a mortgage application.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d69ed99 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d69ed99\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-21edcd3\" data-id=\"21edcd3\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2907362 elementor-widget elementor-widget-heading\" data-id=\"2907362\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why do we need money?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-9675a8c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9675a8c\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-89d03d8\" data-id=\"89d03d8\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2573429 elementor-widget elementor-widget-text-editor\" data-id=\"2573429\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The new social media pseudo-advisors advise not to take out loans, to live and be happy with what you have.<\/p><p>I am of the opinion that living with what you have is practically impossible. Unless you are a millionaire and obviously you are not reading this post.<\/p><p>I remember when I was young talking to a famous businessman from Torrevieja, showing him my doubts about loans, because I was studying financial mathematics in my economics degree in Alicante, and I showed him my financial (and existential) doubts about borrowing money from banks.<\/p><p>And he told me, look PATRICK I have borrowed from banks all my life and look at me, here I am.<\/p><p>Human beings are programmed to survive, but they also want to live better.<\/p><p>Wanting to live better, to improve, to grow, is what leads to success.<\/p><p>And if you want to live better and grow, you need money, unless you are the inventor of the future iPhone, you need to borrow that money.<\/p><p>Now, there are many kinds of loans, you can borrow it from your family, you can borrow it from a friend. But what if your family or friends have no resources?<\/p><p>You have to turn to a bank.<\/p><p>And this is where the complications begin.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-ce1b557 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ce1b557\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-59d66ba\" data-id=\"59d66ba\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54522c3 elementor-widget elementor-widget-heading\" data-id=\"54522c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Importance of pre-mortgage savings<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-a2489fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2489fe\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72afbb3\" data-id=\"72afbb3\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73f6d00 elementor-widget elementor-widget-text-editor\" data-id=\"73f6d00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Saving before applying for a mortgage is essential to present a solid profile to financial institutions.<\/p><p>Saving not only covers the down payment, but also demonstrates responsibility and financial management skills, which are highly valued by lenders.<\/p><p>demonstrates responsibility and financial management skills, factors that are highly valued by lenders.<\/p><h3>Reasons to have significant savings<\/h3><p>Having significant savings is essential for several reasons:<\/p><ul><li>Reduction of the amount to be financed: By having considerable savings, you can cover the down payment required by the bank, which is usually 20% of the value of the home.<\/li><li>Better conditions: Having savings can make it easier to obtain better interest rates and more favourable loan conditions.<\/li><li>Demonstration of stability: A history of savings reflects financial management skills and responsibility, which is a plus for banks.<\/li><\/ul><h3>How to calculate how much money you need to save<\/h3><p>To determine how much money to save, several factors need to be considered:<\/p><ul><li>Price of the property: Knowing the exact cost of the property helps to set a savings target.<\/li><li>Down payment percentage: Generally, 20% of the total value is required for the down payment, as well as an additional 10% to cover associated costs (notary, taxes, etc.).<\/li><li>Contingencies: It is advisable to have an additional margin in savings to deal with unforeseen events during the purchase process.<\/li><\/ul><p>For example, if you want to buy a house with a price of 300,000 euros, you should calculate a saving of approximately 90,000 euros to cover the down payment and additional expenses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4e85c7a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e85c7a\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9993e51\" data-id=\"9993e51\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b59357 elementor-widget elementor-widget-heading\" data-id=\"1b59357\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/youtu.be\/WDiwcYk1IxQ\">You may be interested in: <\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0726667 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0726667\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-800cfd6\" data-id=\"800cfd6\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d14fa09 elementor-widget elementor-widget-heading\" data-id=\"d14fa09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Watch this video on how to download a working life<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e4333c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e4333c3\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dedc1b0\" data-id=\"dedc1b0\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a267f0d elementor-widget elementor-widget-video\" data-id=\"a267f0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/0_8W3vLo2IE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-8f9460a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8f9460a\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0fec7a0\" data-id=\"0fec7a0\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54bc728 elementor-widget elementor-widget-heading\" data-id=\"54bc728\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Job stability and its impact on mortgages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d2545c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d2545c0\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-99a2b7c\" data-id=\"99a2b7c\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12f7ffc elementor-widget elementor-widget-text-editor\" data-id=\"12f7ffc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What the bank wants is for you to demonstrate that you are going to be able to pay back their money, with interest&#8230;<\/p><p>Job stability is a determining factor in the process of demonstrating your ability to repay a mortgage.<\/p><p>Lenders analyse the employment history of applicants to assess their financial risk and ability to repay.<\/p><p>It is clear that your work history is a reflection of your personality and your profile.<\/p><p>If your working life reflects constant job changes or short periods of work, you are an unstable or conflictive person.<\/p><h3>How to prove job stability to banks<\/h3><p>To demonstrate employment stability, it is essential to provide documentation that supports the duration and nature of employment. This includes:<\/p><ul><li>Employment contracts indicating the type of employment, either permanent or temporary.<\/li><li>Pay slips for the last few months showing regular income.<\/li><li><a href=\"https:\/\/www.asesoriaorihuelacosta.com\/descargar-la-vida-laboral\/\"><strong>Employment history<\/strong><\/a> that certifies seniority and current employment situation.<\/li><\/ul><p>A stable employment profile increases the bank&#8217;s confidence in the applicant&#8217;s ability to meet the monthly mortgage payments.<\/p><h3>Advantages of a permanent contract<\/h3><p>Having a permanent contract is viewed positively by financial institutions. Some of the advantages include:<\/p><ul><li>Greater long-term security, which means stable income.<\/li><li>Lower risk perception by lenders.<\/li><li>Ease of access to better mortgage conditions.<\/li><\/ul><h3>Options for the self-employed and eligibility<\/h3><p>The self-employed face certain challenges when applying for a mortgage, as their employment situation may be less stable. In order to access financing, they must meet certain requirements, such as:<\/p><ul><li>Demonstrate consistent income for at least two years.<\/li><li>Submit income tax returns and other tax documents.<\/li><li>Have a viable business plan that supports the economic activity.<\/li><\/ul><p>In this way, the self-employed can increase their chances of obtaining the desired loan by showing that they have solid financial resources and a stable business track record.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b607bbe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b607bbe\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bf072a1\" data-id=\"bf072a1\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59d0289 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"59d0289\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInRight&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Did you know that married men with two children have a better banking profile than a single man without children?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d9aada2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d9aada2\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f10261\" data-id=\"2f10261\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f500c7 elementor-widget elementor-widget-heading\" data-id=\"7f500c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Credit history and its influence<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-80746f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80746f8\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6c3e574\" data-id=\"6c3e574\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a3d296 elementor-widget elementor-widget-text-editor\" data-id=\"6a3d296\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The credit history is a crucial element in the mortgage approval process.<\/p><p>It reflects a person&#8217;s financial behaviour, determining his or her ability to repay debts.<\/p><p>A good credit history can open doors to better loan conditions.<\/p><h3>Tips for maintaining a good credit history<\/h3><p>To ensure a favourable credit history, it is essential to follow certain guidelines.<\/p><p>Maintaining timely payments is key.<\/p><p>Late payments can seriously affect your score.<\/p><p>This includes not only loan repayments, but also utility bills and credit cards.<\/p><ul><li>Use credit responsibly.<\/li><li>Limit the use of credit to a low percentage of the available limits.<\/li><li>Avoid opening too many accounts at once.<\/li><\/ul><h3>Tools to check your credit history<\/h3><p>Accessing tools that allow you to check your credit history is essential.<\/p><p>Many banks and financial institutions offer services for users to check their situation.<\/p><p>There are platforms that allow you to check your credit report for free or at a reduced cost.<\/p><ul><li>Request a credit report free of charge from reputable institutions.<\/li><li>Use applications that monitor your credit score.<\/li><\/ul><h3>Actions to improve your credit score<\/h3><p>There are several actions that can be taken to improve your credit rating.<\/p><p>Paying off existing debts and keeping credit card balances low can have a positive impact.<\/p><p>It is also advisable to correct errors in the credit report that can hurt the score.<\/p><ul><li>Consolidate debts to make them easier to manage.<\/li><li>Consult a financial advisor if necessary.<\/li><li>Always respect the established payment deadlines.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-237c7c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"237c7c9\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f1c0a85\" data-id=\"f1c0a85\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b0fb9d0 elementor-widget elementor-widget-heading\" data-id=\"b0fb9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Use of collateral and guarantees for your mortgage?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3102f9 elementor-widget elementor-widget-text-editor\" data-id=\"d3102f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The use of guarantors and guarantees is a strategy that can make it easier to obtain a mortgage.<\/p><p>Banks love guarantors, it is logical, a guarantor is a person who gives a banking profile, different from yours and who satisfies the bank to lend you the money.<\/p><p>By having the backing of a third party, the risk perceived by financial institutions is reduced, which can improve the conditions of the loan.<\/p><h3>Benefits of having a guarantor<\/h3><p>Having a guarantor offers multiple advantages in the mortgage application process. The main benefits include:<\/p><ul><li><strong>Increased reliability:<\/strong> The presence of a creditworthy guarantor can provide greater security to the lender.<\/li><li><strong>Better terms:<\/strong> Banks typically offer lower interest rates and more flexible terms when a guarantor is involved.<\/li><li><strong>Access to larger amounts:<\/strong> By reducing the risk for the bank, higher amounts of financing can be obtained.<\/li><li><strong>Possibility of approval in complicated cases:<\/strong> A good guarantor can be the determining factor in the approval of mortgages for applicants who would otherwise be rejected.<\/li><\/ul><h3>Associated risks for the guarantor<\/h3><p>Despite the benefits, being a guarantor carries certain risks that should be carefully considered. Some of these include:<\/p><ul><li><strong>Financial liability:<\/strong> If the borrower defaults on payments, the guarantor will be liable for the debt, which can impact their financial situation.<\/li><li><strong>Impact on credit history:<\/strong> A default can negatively affect the guarantor&#8217;s credit history, making future credit applications more difficult.<\/li><li><strong>Personal relationships:<\/strong> In many cases, guarantors are family members or friends, which can create tensions if payment problems arise.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-21f7ff7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21f7ff7\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cd98388\" data-id=\"cd98388\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7f6a76 elementor-widget elementor-widget-heading\" data-id=\"c7f6a76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgage pre-approval process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b932b81 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b932b81\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1626f68\" data-id=\"1626f68\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7691f81 elementor-widget elementor-widget-text-editor\" data-id=\"7691f81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The mortgage pre-approval process is an essential step in applying for a mortgage.<\/p><p>It allows applicants to know in advance the conditions offered by the bank and facilitates the preparation for obtaining the loan.<\/p><p>Keep in mind that the person in charge at the bank will not be the person who finally approves your loan.<\/p><p>But he or she will have a personal opinion about you and will treat you well, be polite, be punctual and diligent.<\/p><p>This will give her confidence and put her on your side.<\/p><h3>Steps to obtain mortgage pre-approval<\/h3><p>Obtaining a mortgage pre-approval requires following a series of steps to ensure that the bank properly assesses the applicant&#8217;s financial situation.<\/p><p>These steps include:<\/p><ul><li>Gathering the necessary documentation, such as IDs, proof of income and bank statements.<\/li><li>Make an appointment with the bank or mortgage lender to discuss pre-approval. Banks have mortgage brokers, who are very professional, so don&#8217;t try to fool them.<\/li><li>Present documentation and provide detailed information about your personal financial situation. If you are a customer, your bank statement already reflects how you manage your money. If you are not a customer, you will be asked about everything.<\/li><li>Wait for the bank&#8217;s assessment, where your income, credit history and existing debts will be analysed. In principle, at the first appointment, the mortgage officer will be able to tell you whether your mortgage is pre-approved.<\/li><\/ul><h3>Advantages of being pre-approved<\/h3><p>Having a mortgage pre-approval has multiple benefits. Among them are the following:<\/p><ul><li>Knowing the maximum amount that can be requested, which helps to define the budget for the purchase of the home.<\/li><li>Increase credibility with sellers, as it demonstrates that the buyer has the necessary financial backing.<\/li><li>Facilitate the official mortgage application process by having all the documentation ready and a preliminary analysis done by the bank.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d7cf5e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7cf5e4\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-910c50e\" data-id=\"910c50e\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-feddb9f elementor-widget elementor-widget-heading\" data-id=\"feddb9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The golden rule of mortgages: 35%.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-cf4915a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cf4915a\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f0d793a\" data-id=\"f0d793a\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4fbc560 elementor-widget elementor-widget-text-editor\" data-id=\"4fbc560\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The 35% figure is magic.<\/p><p>If at the end of subtracting from your income, all of your loan expenses, debts and living expenses and incidentals, if the money you have left is 35% of your total income, you will probably be approved for a mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-287d4f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"287d4f2\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60282d3\" data-id=\"60282d3\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-853b6f7 elementor-widget elementor-widget-heading\" data-id=\"853b6f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Compare mortgage offers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-77a3eb3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77a3eb3\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c3e4268\" data-id=\"c3e4268\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-badc507 elementor-widget elementor-widget-text-editor\" data-id=\"badc507\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Who hasn&#8217;t heard the saying: always ask for two quotes?<\/p><p>When asking for a mortgage it is essential to ask for a minimum of two banks, because even if they don&#8217;t know you, the bank may be in a situation of financial expansion and have better conditions than your old bank.<\/p><p>And applying for a loan does not cost money (if you are granted it, yes).<\/p><p>Comparing mortgage offers is a crucial step in securing the best financing.<\/p><p>Different entities offer conditions that can vary significantly, so making a good comparison allows you to find the most favourable options.<\/p><h3>Keys to find the best mortgage offer<\/h3><p>In order to detect the best mortgage offer, it is important to consider several factors. Among them are:<\/p><ul><li><strong>Interest rate:<\/strong> Analyse whether the mortgage has a fixed or variable rate, as well as the revision conditions.<\/li><li><strong>Fees:<\/strong> Pay attention to possible opening, early cancellation or management fees.<\/li><li><strong>Repayment period:<\/strong> Assess how long the loan is expected to take to repay, as this influences the total interest.<\/li><li><strong>Additional links:<\/strong> Consider whether the mortgage is linked to products such as insurance or accounts that may make the offer more expensive.<\/li><\/ul><h3>Using a mortgage advisor to improve your options<\/h3><p>Brokers are not well known in Spain, but there are some.<\/p><p>We recommend <a href=\"https:\/\/vivahomecredit.com\/es\/\" rel=\"noopener\" data-wplink-edit=\"true\">Viva Home Credit<\/a>, a block registered in Spain which has its office in the Los Dolses shopping centre.<\/p><p>Karine, the owner is a woman who has worked in banking for a long time and knows all the secrets of taking out a mortgage or a loan.<\/p><p>Having the support of a mortgage advisor can make it easier to find the best deal. These professionals have in-depth knowledge of the market and offer several advantages:<\/p><ul><li><strong>Access to multiple entities:<\/strong> An advisor can help you access exclusive offers that are not available to the general public.<\/li><li><strong>Negotiating terms:<\/strong> Their expertise allows them to negotiate better terms and interest rates on behalf of the client.<\/li><li><strong>Personalised analysis:<\/strong> They provide an analysis tailored to the particular financial situation, guiding the borrower towards more suitable options.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-37718d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37718d4\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d173d98\" data-id=\"d173d98\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c04f07 elementor-widget elementor-widget-image\" data-id=\"0c04f07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/vivahomecredit.com\/es\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2022\/10\/viva-home-credit-1024x576.jpg\" class=\"attachment-large size-large wp-image-9077\" alt=\"viva home credit\" srcset=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2022\/10\/viva-home-credit-1024x576.jpg 1024w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2022\/10\/viva-home-credit-768x432.jpg 768w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2022\/10\/viva-home-credit-640x360.jpg 640w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2022\/10\/viva-home-credit-400x225.jpg 400w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Viva Home Credit Office in Villamart\u00edn ( Orihuela Costa)<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-33bae87 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33bae87\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-82be3ee\" data-id=\"82be3ee\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da3677b elementor-widget elementor-widget-heading\" data-id=\"da3677b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assessment of linked products or subsidised products <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-3c07e3e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c07e3e\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23425f4\" data-id=\"23425f4\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58629e6 elementor-widget elementor-widget-text-editor\" data-id=\"58629e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Linkage linkage linkage linkage linkage<\/h3><p>The linkage with banks is fundamental, there is a whole series of linked products that bind you closer to the bank and allow you to earn more money. That&#8217;s what it&#8217;s all about, isn&#8217;t it?<\/p><p>But in the end, these linked products make your mortgage more expensive (and sometimes very expensive).<\/p><p>That is why you have to be very attentive to linked products.<\/p><p>I always say that linked products are, <strong>in common parlance,<\/strong> the bank has you by the short hairs&#8230;&#8230;..<\/p><p>The term &#8220;linked products&#8221; has disappeared.<\/p><p>Because it was a bit strong for the bank to force you to take them in order to lower the interest rate of your mortgage.<\/p><p>But they still exist and they are simply now called subsidised products.<\/p><p>The evaluation of linked products is essential when applying for a mortgage.<\/p><p>Many attractive offers may be subject to additional products, such as insurance, alarms, services, etc. It is therefore essential to analyse not only the benefits but also the costs that these may entail.<\/p><p>It is therefore essential to analyse not only the benefits, but also the costs they may entail.<\/p><h3>Analysis of insurance and other products linked to your mortgage<\/h3><p>Some banks offer mortgages with a priori interesting conditions, but will require you to take out insurance or linked accounts.<\/p><p>It is common for these to be included:<\/p><ul><li>Home insurance<\/li><li>Life insurance<\/li><li>Health insurance<\/li><li>Savings or current accounts<\/li><li>Alarm service<\/li><\/ul><p>It is crucial to assess whether you really need each of these products.<\/p><p>Although they may offer a discount on the mortgage, the additional costs of these policies must be taken into account.<\/p><p>A detailed analysis will be key to understanding whether the initial savings outweigh the costs in the long run.<\/p><h3>Impact of tied products on total cost<\/h3><p>Linked or modified products can significantly increase the total price of the mortgage.<\/p><p>Essentially, even if a reduced interest rate is obtained, the costs of additional products can cancel out any initial advantage.<\/p><p>For this reason, it is recommended to calculate the total cost of the mortgage, integrating all the associated services, and compare it with offers that do not require linked products.<\/p><p>This breakdown will help to make more informed decisions, ensuring that you choose the mortgage that really offers the best value for money.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c7a8e87 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c7a8e87\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ccb00a\" data-id=\"4ccb00a\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-573e357 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"573e357\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;rotateInDownLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Remember that <strong>you will no longer have to pay the mortgage expenses<\/strong>, that is to say, you will not have to pay the stamp duty or the notary or the registry, you will only have to pay the valuation of the house. And surely the opening of the loan file or the study of the mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-bb5c79a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb5c79a\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5178972\" data-id=\"5178972\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-96a49f0 elementor-widget elementor-widget-heading\" data-id=\"96a49f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Relationship with your current bank<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-df03182 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"df03182\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e10306\" data-id=\"7e10306\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-328dadd elementor-widget elementor-widget-text-editor\" data-id=\"328dadd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is an aspect that I understand to be fundamental.<\/p><p>Your bank knows you best. Be careful, this does not mean that they will grant you the mortgage.<\/p><p>The relationship you establish with the financial entity can be a determining factor when it comes to obtaining a mortgage.<\/p><p>Maintaining good communication and a solid history with the bank can facilitate the application process and improve the conditions of the loan.<\/p><h3>Benefits of applying for a mortgage with your existing bank<\/h3><p>Applying for a mortgage with the bank where you are already a customer offers a number of important advantages. These include:<\/p><ul><li>Mutual knowledge: The bank has access to the customer&#8217;s financial history, which can simplify risk assessment.<\/li><li>Preferential terms: Banks can often offer more favourable terms to their regular customers, such as reduced interest rates.<\/li><li>Ease of processing: Being already linked to the bank can speed up the processing of the mortgage application.<\/li><\/ul><h3>How to improve your relationship with the financial entity<\/h3><p>Strengthening your relationship with the bank is key to benefiting from better offers and preferential treatment. Some strategies to achieve this are:<\/p><ul><li>Use multiple services: Signing up for additional products such as savings accounts, credit cards or insurance can strengthen ties with the institution.<\/li><li>Make timely payments: Meeting financial obligations in a timely manner demonstrates responsibility and commitment.<\/li><li>Effective communication: Maintaining good communication with bank advisors and resolving questions when they arise can enhance the relationship.<\/li><\/ul><p>The documentation required for the mortgage application process is critical.<\/p><p>Having all the required documents will facilitate loan approval and reflect good organisation on the part of the applicant.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c5e81f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c5e81f4\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e00370\" data-id=\"7e00370\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-edbd82a elementor-widget elementor-widget-heading\" data-id=\"edbd82a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Documentation required for the mortgage application process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-44eb1a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"44eb1a3\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-959bf3d\" data-id=\"959bf3d\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d09764a elementor-widget elementor-widget-text-editor\" data-id=\"d09764a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>I am convinced that speed and agility in the delivery of the document is important.<\/p><p>Let&#8217;s be serious, nobody decides overnight to take out a loan. Indeed<\/p><p>Taking out a mortgage is a decision that comes from a long time ago and you have to prepare yourself very well even in the long term.<\/p><p>That is why, when you decide to ask for a loan from a bank, you should be prepared to have all the documentation and not take too long to get it and give it to the bank.<\/p><h3>List of documents you should have ready<\/h3><p>Before starting the application, it is crucial to gather the documentation that the bank will require.<\/p><p>Here are some of the most common documents that are usually requested:<\/p><ul><li>Official identification (DNI or NIE).<\/li><li>Proof of income, which may include<ul><li>:Pay slips for the last three months.<\/li><li>Income tax returns for the last two years.<\/li><li>Company certificates if you are an employee.<\/li><li>Latest tax returns for the self-employed, such as VAT (form 303), payment in instalments (<strong><a href=\"https:\/\/www.asesoriaorihuelacosta.com\/modelo-130\/\" rel=\"noopener\">form 130<\/a><\/strong>).<\/li><\/ul><\/li><li>Bank statements for the last three or six months.<\/li><li>Information on existing debts, such as personal loans, leasing, renting or credit cards.<\/li><li>Title deed or rental contract, if applicable.<\/li><li>Certificates of no tax or social security debts.<\/li><li>An employment record for foreigners, certificate of tax residency.<\/li><li>Any other additional documents that the bank may require.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-66a91cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66a91cd\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48f6f6e\" data-id=\"48f6f6e\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d36449 elementor-widget elementor-widget-text-editor\" data-id=\"6d36449\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Not being on the list of defaulters is essential for them to give you the mortgage.<\/p><p>In this idealista article <a href=\"https:\/\/www.idealista.com\/news\/inmobiliario\/vivienda\/2022\/07\/22\/798149-como-saber-si-soy-moroso-listas-procedimientos-bases-de-datos\" rel=\"noopener\">you will find out how to find out if you are on the list of defaulters.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4d52d33 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d52d33\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-774505a\" data-id=\"774505a\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-114bcb0 elementor-widget elementor-widget-heading\" data-id=\"114bcb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Finally how to deal with bank refusal and how to improve<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7ad355c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ad355c\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a2c880\" data-id=\"7a2c880\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e418bb4 elementor-widget elementor-widget-text-editor\" data-id=\"e418bb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Failure is the order of the day.<\/p><p>But in reality it has existed all our lives.<\/p><p>Remember, the one who succeeds is the one who always gets back up.<\/p><p>The new science of resilience is the one that allows you to adapt to the situation, changing your position according to the existing factors.<\/p><p>Failure is a factor that is always present. But being turned down for a mortgage is not failure.<\/p><p>Receiving a rejection on a mortgage application can be discouraging.<\/p><p>However, it is essential to <strong>understand the reasons<\/strong> behind this decision and take steps to improve the chances on future applications.<\/p><h3>Common reasons for mortgage rejection<\/h3><p>There are several reasons that can contribute to a bank&#8217;s refusal of a mortgage.<\/p><p>Among the most common are:<\/p><ul><li>Poor credit history scores.<\/li><li>High levels of debt relative to income.<\/li><li>Insufficient savings to cover down payment and additional expenses.<\/li><li>Lack of employment stability, such as a temporary contract or irregular employment history.<\/li><li>Errors in the documentation submitted.<\/li><\/ul><h3>Strategies to improve your chances after a rejection<\/h3><p>If you receive a rejection, there are several strategies you can follow to improve the situation. The following are some of the most effective:<\/p><ul><li>Request a detailed report from the bank explaining the reasons for rejection.<\/li><li>Review and correct errors in credit history through corrective actions.<\/li><li>Reduce existing debts before reapplying for a mortgage.<\/li><li>Increase savings, with the aim of presenting a better initial repayment capacity.<\/li><li>Consider obtaining a guarantor who can support the application.<\/li><\/ul><p>Implementing these actions can open up new opportunities, making it easier to get approved for a mortgage in the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b47c956 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b47c956\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac6de94\" data-id=\"ac6de94\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0426b64 elementor-widget elementor-widget-heading\" data-id=\"0426b64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Recommendations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-9790e15 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9790e15\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-deda1f9\" data-id=\"deda1f9\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f97d44 elementor-widget elementor-widget-image\" data-id=\"8f97d44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/01\/hipoteca.webp\" class=\"attachment-large size-large wp-image-38555\" alt=\"hipoteca\" srcset=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/01\/hipoteca.webp 640w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/01\/hipoteca-400x400.webp 400w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/01\/hipoteca-560x560.webp 560w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/01\/hipoteca-367x367.webp 367w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">In this table you can see the percentage of people in Europe who own property and people who rent.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d14dd0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d14dd0d\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c71cfd7\" data-id=\"c71cfd7\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2607ff8 elementor-widget elementor-widget-text-editor\" data-id=\"2607ff8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>You have to be honest with yourself.<\/h3><p>Society forces us to raise a family, to work, to spend, to consume and, of course, to take out a mortgage.<\/p><p>Are you willing to sacrifice or do you prefer to live well?<\/p><p>Are you willing to follow society&#8217;s guidelines?<\/p><p>Many young people have decided to stand up and say NO. And I see it as a good thing.<\/p><p>Living well means not having too many burdens, too many responsibilities, too many commitments.<\/p><p>Paying a mortgage is a burden for life and now you may have a lot of energy, a lot of desire to work but you have to think long term.<\/p><p>Why having a mortgage is a big responsibility and a big expense.<\/p><p>I have a mortgage, a wife and three children and I recognise that couples who live in rented accommodation and have a dog seem to me to be smarter than me.<\/p><p>In Spain the idea of being an owner is very deeply rooted, but more and more renting is gaining ground because being a tenant gives you freedom.<\/p><h3>Beware of choosing a fixed or variable rate mortgage.<\/h3><p>This detail I think is a function of each person, of their way of being, of their aversion to risk because in the end the bank makes money with both options.<\/p><h3>Be nice to the bank staff<\/h3><p>\u00a0<\/p><p>I insist, kindness leads you to achieve all your goals in life.<\/p><h3>Choose the right time to take out your mortgage<\/h3><p>\u00a0<\/p><p>You have to be aware of the bank&#8217;s situation. There are many times when banks fight for mortgages and that is where you can benefit.<\/p><h3>Prepare in advance<\/h3><p>\u00a0<\/p><p>If you are self-employed, prepare yourself a year or two in advance, increase your income, control your expenses and save as much as possible.<\/p><p>If you have a salary, it is difficult for you to increase your income, you have no choice but to save and reduce your lifestyle.<\/p><h3>The bank will always benefit, because it is designed to make money.<\/h3><p>\u00a0<\/p><h3><span style=\"color: #0000ff;\">Don&#8217;t forget that.<\/span><\/h3><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c616c3f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c616c3f\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b747c1a\" data-id=\"b747c1a\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap\">\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d748120 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d748120\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6557b0e\" data-id=\"6557b0e\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a923b9b elementor-widget elementor-widget-author-box\" data-id=\"a923b9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/patrick-gordinne-perez-1b73aab3\/\" class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2023\/09\/Asesoria-Orihuela-Costa-9-of-18-Grande-300x200.jpeg\" alt=\"Picture of Patrick Gordinne P\u00e9rez\" loading=\"lazy\">\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/patrick-gordinne-perez-1b73aab3\/\">\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tPatrick Gordinne P\u00e9rez\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Graduate in Economics from the University of Alicante<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Getting a mortgage can be a complicated process. There are several tricks and strategies to increase the chances of a successful application, ranging from managing savings to preparing the necessary documentation. It is essential to understand the importance of prior savings, job stability, and maintaining a good credit history. These factors are crucial when financial [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":38580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","inline_featured_image":false,"footnotes":""},"categories":[45],"tags":[],"class_list":["post-38929","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"featured_image_src":{"landsacpe":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/01\/hipoteca-1-1140x445.webp",1140,445,true],"list":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/01\/hipoteca-1-463x348.webp",463,348,true],"medium":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/01\/hipoteca-1-300x169.webp",300,169,true],"full":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2025\/01\/hipoteca-1.webp",1280,720,false]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tips for getting a mortgage: keys to success - Asesor\u00eda Orihuela Costa<\/title>\n<meta name=\"description\" content=\"Are you looking for a mortgage to buy your home? 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