PROBLEMS WITH THE HYPOTHECATING LOAN
hello good for having if it can help me helpful serious.
my problem is the following one: it buys a house to me by cooperative when I saw the planes and other me daron a folio with a supply of Caja Madrid in which you ofrecia the money that habia that to give in the cooperative provision of bottoms… asks for in Caja Madrid and accepted me 24000 Euros I I do not pay anything of that loan if they gave it to you with the option that you made the mortgage with them and metias in the mortgage. then arrives the moment and they say to me that my loan already goes by 28000 and that if 97% of the cost of the house put me in the mortgage supondria consequently not me they grant it and now k I do? me kedo without house without money and with a loan with right them k I have? k I can do?
THE LAWYER RESPONDS FREE.
I understand that they did not give those conditions in writing him (to unite the mortgage to its hypothecating loan).
The problem that you have you are the one of very many people, since the banks counted on an ascent of the value of the buildings, of such form that the appraisal in the delivery of the house gave 80% by the ascent of its price.
Unless it has that supply in writing cannot do nothing. It tries to negotiate, or to even go away to another bank. However, the first credit is personal, and could pay simultaneously both if its capacity allowed economic it.
