Did you know that you can buy an apartment with little capital?
It is often thought that acquiring an apartment requires a large amount of capital. However, in this blog, we will explore the alternatives and opportunities that exist to make this dream a reality.
Whether you are looking for your first home or a smart investment. Here you will discover that with the right strategy, it is feasible to purchase an apartment without the need for a large down payment.
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Acquiring an apartment with a mortgage loan
Mortgage credit is a loan offered by financial institutions. It is specifically designed for the purchase of real estate, such as apartments. This alternative allows buyers to obtain a considerable amount of money, which will be used to acquire the desired property. The real estate, in turn, acts as collateral for the loan, providing security to both the lender and the borrower.
One of the main advantages of a mortgage loan is the flexibility it provides in terms of terms and interest rates. Borrowers can select a payment plan that fits their financial possibilities. This allows them to meet monthly payments without sacrificing their financial stability.
Currently, there are institutions willing to finance up to 97% of the total value of the property. This means that only the remaining 3% would need to be covered to purchase the home. In order to grant these loans, an analysis of the client's profile is performed. The client's payment capacity, credit history, debts that may affect the monthly payment of the property and other forms of payment guarantees are considered.
Through co-financing
An interesting alternative is the co-financed credit between Infonavit and a bank. A strategy that can open the doors to your longed-for goal of owning your own home.
Cofinancing combines resources from two sources: the Infonavit housing sub-account and financing granted by a bank. How does this scheme work? It is simple and beneficial.
The amount you have accumulated in your housing subaccount can be used to cover the initial down payment to purchase the apartment you want. In this way, part of the total cost of the property is covered, which considerably reduces the initial financial burden.
The other part of the financing, i.e., the remaining amount needed to complete the purchase of the apartment, is obtained through the credit granted by the bank.
This gives you the opportunity to access a greater amount of resources to make your goal of acquiring an apartment a reality. Even if you do not have enough capital on your own.
The co-financed credit between Infonavit and a bank is an excellent option. Especially for those who wish to take advantage of their savings accumulated in the housing subaccount. And at the same time obtain the additional backing of a banking institution.
This financial synergy will allow you to have a greater acquisition capacity. Easing the way when acquiring an apartment.
A real estate presale
This type of purchase offers the opportunity to secure a home before it is completely finished, through a pre-sale mortgage loan. It is an alternative that allows the buyer to obtain a credit that covers the down payment. In this way, the cost of the property can be paid in comfortable monthly installments.
Pre-sale real estate presents a series of benefits that make it very attractive for those who are looking to acquire their own apartment. One of the main advantages is the significant savings in the final price of the property. Generally, acquiring a pre-sale apartment can cost up to 20% less than its final sale price.
In addition to the economic savings, pre-sale real estate allows you to select the location and specific characteristics of the apartment. Before the construction is finished. This makes it possible to personalize and adapt the home to the buyer's individual needs and preferences.
The pre-sale mortgage loan offers an excellent opportunity to acquire an apartment without having a large initial capital. By financing the down payment and distributing the payment over time, the purchase process becomes more accessible.
Realize your dream of acquiring an apartment with iBrokers presales!
Presales are an opportunity to acquire an apartment of your own, even with a limited budget. This option offers multiple advantages. Among them is the possibility of securing a home at a price considerably lower than its final sale value.
At iBrokers we have the highest profitability and the best business perspective in the region. We have investment projects in the most profitable areas of the Yucatan Peninsula: Merida, Cancun and Playa del Carmen. Contact us to acquire an apartment with the best offer in the market.
Do you want to know why to buy a apartment for presale? We invite you to read our blog. Follow us on Facebook, e Instagram and visit our YouTube.
Discover now your next real estate investment at the best price!
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