Choosing the right mortgage can be a difficult process, here are some points you should consider in order to succeed:

If you want to choose a mortgage that suits your real needs, it is very important for you to understand the next terms:

The amount of money you are going to apply for.

Up to 80% of the appraised value of the property can be usually granted by the banks with no additional guarantees. If your savings are enough to cover the other 20%, you will be an affordable option for the banks, if you are unable to meet this standards it is very likely that you will need higher rate mortgages or additional guarantees.

The interest rates for the mortgage.

The banks rates are divided most of the times in 3 different groups: variable, fixed and mixed. With the variable rates one of the benefits is that when the rates are low you will pay a cheaper fee, but in the same way when rates are high you will pay more. The fixed rates most of the times are more expensive than the previous ones, but this will give you the confidence to pay the same amount of money all the time. The mixed rates usually will be fixed in the first two to five years of the loan and after that time there will change to a variable interest rate.

The amortization of the mortgage.

The longer the repayment period mean that you will have to pay more interests over time, obviously this mean that the monthly fee you will pay will be lower as well, in the opposite side if you chose a shorter repayment term the interest will be less since the capital return to the original lender in less time and the lower cost of the mortgage decreases; this perspective brings higher quota as more capital has to be amortized in less time.

Related products

Some banks offer other products that can improve the general conditions of your mortgage; this products are credit cards, insurance (multi-risk and life); do not forget to ask for the cost of each one of these products and compare them with other similar opportunities in the market because some times they add extra expenses to the package and the benefits are not easy to see.

The bank part: commissions.

Commissions are like any other factor in business, negotiable, because some banks can charge more than others, remember that there are just five types of commissions. Opening and study, partial redemption, cancellation, subrogation (change of entity) and modification (novation in financial terms), always try to negotiate this commissions because many people I know have had some commissions reduced to zero.

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The Real Estate business and the service principles that are in it.

Real Estate business have always been really competitive, in order to excel in it you must out stand your competitors, one of the best angles to give a good battle is to focus on the service your business offer, this aspect is overlook most of the times for most of the companies, here I will explain you some points that may help you to level the battle field.

1.- Quality must not been seen as an isolated act, it mus be a habit.

2. Establish the specifications for the services and measure according with that.

3.- Isolated efforts does not help in quality, it needs to become a system.

4.- The customer needs must be constantly anticipated and met.

5.- Every employee that deals directly with customers must have the authority to address any complain they may have.

6.- When we know what a customer wants we should give it to them immediately so we increase the perception about service he/she may have.

7.The customers expect the fulfillment of your word. Promise less, give more

8.- The incentives for you employees must make them feel like partners, the explicit recognition of their efford is important in a culture of quality.

10.- Adopt and improve. Make a research of who the bests in your area are, see how they do the things and adopt their systems.

11. Encourage clients to come clear about everything they do not like.

12. Avoid the fact that your client have to wait for your service, that is the main point for them to unnoticed everything else.

If you follow this simple steps your client will perceive the quality on your service and that will make a huge difference in their experience.

In order to create constant improvements in a system you must implement an effective measurement system, this system needs to have clear goals that must be monitored with a reliable set of data, if you are unable to gather this data the only thing you are going to create is a system that will be monitoring the wrong things, knowing the difference between causes and effects is crucial for the success of any system.

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