Business and Real Estate

What are the benefits?
When you have a floor marked out and the bank does not give us the mortgage, is a formula often used by developers to save the operation and pending in a few years, the solvency of the family is greater or more banking conditions light.

The housing price is fixed at the time of signing the contract. If floors are expensive, making the purchase since the price markup is less than that available in the market. If the home depreciates, of course we will go to market for the purchase or renegotiate the price with the owner.

The money paid in the form of rental fees in whole or in part payment of housing, and therefore not going to be wasted. Therefore, the tenant does not lose the money invested in the lease, but part of the final price of the property.

This type of mixed funding enables young people access to housing, since it gives the tenant a truce and prevent you from taking a strong initial investment and payment of a mortgage for a period of time.

What are the drawbacks?
Possibility of breaking the contract because of unpaid mortgage possible homeowner. Possibility that the conditions for granting of mortgages to harden even more, but is expected difficult. In a few years we should have come out of this financial crisis and possibly the conditions will be better.

You have to pay a certain amount of money by way of signal for granting the call option especially when the rental period exceeds two years. It is a way of making sure the purchase is going to run really.

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