Come si Ottiene e Chiede un Mutuo?

Categorie: Mutui

Ottenere un mutuo significa seguire un determinato iter burocratico, al quale A? inutile pensare di sottrarsi. Meglio conoscere il funzionamento di queste procedure per sapere ai???a che punto si A?ai??? con i vari passaggi richiesti.

In primo luogo, quello che vi chiederAi?? la banca sarAi?? una serie di notizie di natura economica, patrimoniale e finanziaria: su tutto questo insieme di carte si baserAi??, sostanzialmente, la decisione di concedervi o meno il prestito richiesto.

Superata positivamente questa fase, nella quale A? stato obbligatorio anche indicare la finalitAi?? dellai??i??accensione del mutuo, si procede alle perizie di parte.


SarAi?? l’istituto di credito a nominare il perito ma sarAi?? il richiedente a pagarne la prestazione professionale, meglio essere preparati anche in tal senso.

Il tecnico certificherAi?? la sostanziale correttezza di piantine e carte catastali ed elaborerAi?? un calcolo per verificare il valore dellai??i??immobile in oggetto.

Una volta terminata anche questa fase, si potrAi?? procedere con la raccolta delle firme davanti ad un notaio e, dopo il consolidamento dellai??i??ipoteca, verrAi?? erogata la somma richiesta. Con la firma dellai??i??atto pubblico, lai??i??iter puA? dirsi, dunque terminato.

Se, invece, non si riesce ad ottenere il prestito le cause potrebbero essere da ricercare in unai??i??eventuale segnalazione presso una centrale di rischio che potrebbe averci inserito nel data base dei cattivi pagatori. In tale eventualitAi??, si cancellerAi?? ogni rapporto con la banca e si dovranno cercare strade alternative per ottenere un finanziamento. Quando e se vi capiterAi?? di chiedere un muto, saprete come fare… o almeno quanto dovrete “lavorare in termini di firme” per ottenere questo mutuo.

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