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s Tag l After asearch S Www e Www rsearchhsearch t.cn%2Fsqkubo.asearch t.cn%2FSqKubO+t.cn%2FSqKubO+w Tag t.cn%2FsqkuboLes prêts de VA ont une série d'utilisations et options flexibles qui les rendent très attrayantes pour les acheteurs à la maison de première fois. Mais non chaque prêt de VA est un achat à la maison traditionnel ; quelques acheteurs ont les besoins uniques cela
exigez la considération additionnelle. Une hypothèque, également connue sous le nom d'emprunt secondaire, est une option que quelques demandeurs qualifiés de prêt de VA peuvent considérer. Pour cette discussion, nous suivrons le département de la définition d'affaires de vétérans de l'emprunt secondaire, que le guide du prêteur de VA dit est : « … le vétéran obtenant une hypothèque simultanément avec une hypothèque VA-garantie, toutes les deux fixées par la même propriété. « Le VA permet l'emprunt secondaire dans des circonstances spécifiques. Ce n'est pas une option de prêt de « tous les arrivants » en raison du fardeau financier additionnel qu'une hypothèque peut mettre dessus le propriétaire à la maison, mais le VA permettra de telles demandes de prêt quand « le vétéran n'est pas placé dans une position sensiblement plus mauvaise que si la quantité entière empruntée avait été garantie par VA ». Le VA met des restrictions additionnelles sur la transaction en exigeant de la documentation au sujet du deuxième prêt d'inclure les limites de quantité et de remboursement. Les hypothèques dans ces cas doivent être subalternes au prêt immobilier de VA, dans ce que le VA décrit comme « position de privilège junior relativement au prêt de VA. » En s'appliquant pour la hypothèque, les règles de VA permettent à des taux d'intérêt sur le privilège junior d'être plus hauts que le prêt garanti de VA, mais les taux d'intérêt sur la hypothèque peuvent ne pas dépasser des standards industriels. Là le secteur ordonne également sur la prétention de prêt. Le VA n'approuve pas les hypothèques qui empêchent l'emprunteur de vendre la maison ou de faire assumer le prêt. Des règlements de VA permettent à la maison d'être vendue ou ont le prêt assumé par n'importe quel acheteur solvable ; le principe de base ici est que la hypothèque ne devrait pas limiter le propriétaire de vendre plus que des règles de VA couvrant la hypothèque. Créé par Raihan.us
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