Murcia news

When the increase in rates and the demands of the banks prevent obtaining a mortgage, there are financial alternatives capable of providing the desired home. One of these options is the rental with the right to purchase offered by Gradual Homes, a company that allows you to start the purchase of flats, with a value between 100,000 and 400,000 euros, located in the capital Madrid and adjacent areas, brand new or secondhand. The mechanism promoted by the company is one of the alternatives to mortgages above 90%, which combines the flexibility of a rental with savings to finance the home.

trade in an easy way

By choosing the Gradual Homes rent-to-own proposal, the client will not have to give up their lifestyle and will be able to buy the home little by little. Being a company belonging to the Prynconsa Group, one of the most prestigious builders and developers in Spain, Gradual has extensive experience in the real estate market carrying out rent-to-purchase operations.

The rental process with the right to purchase begins when the person, whose monthly income exceeds 1,500 euros, chooses the home they wish to acquire according to the characteristics proposed by Gradual Homes. Next, the company will negotiate with the owners and will only require the future tenant a contribution equivalent to 5% of the total cost of the home, since it will be the company that buys the home for him. In this way, the person interested in buying will pay a rent to Gradual Homes for an amount of which 30% will be used as savings for the future purchase, which must be done within a maximum period of 7 years.

The initial amount and the discount of 30% of the rent for savings, will allow the tenant to have enough capital in a few years to be approved for a traditional mortgage, always with the administrative support of Gradual Homes.

Know the advantages

Among the many advantages of this type of alternative to mortgages above 90%, the fact that Gradual Homes guarantees a fair rent, without surprises or unforeseen increases, stands out. Likewise, the price of the house will be fixed from the first moment of the negotiation, so that the tenant will know the amount that must be collected to start the purchase process, after a minimum of three years of being rented.

Another benefit of managing the home with this company is that the tenant will fully enjoy the property as if they had already paid for it, with the freedom to paint it, make small reforms and change aspects of the decoration.

When an individual has found the home of their dreams and does not have enough liquidity to request a mortgage, the Gradual Homes team will take care of buying the property and renting it with a plan tailored to that person.

The second home mortgage is a recommended option for those who have in mind acquiring a house on the beach or in the countryside, in order to disconnect from the environment of their habitual residence.

In this sense, the company Central Hipotecaria is a specialist in finding the best conditions available in the market to process a mortgage, according to the economic profile of each client. The company’s goal is to make this procedure as easy as possible, since the application can become a complex and laborious process.

Reasons to choose a second home mortgage through Central Hipotecaria

According to specialists, applying for a second home mortgage can be more complicated than the first, so it is essential to hire a feasibility study from a qualified company. Through Central Hipotecaria’s service, people can become owners of a new home by paying a relatively small monthly payment.

Unlike regular mortgages, financial institutions consider that the risk of a second home mortgage carries a greater risk, so there are stricter conditions for granting credit. In this sense, the Central Hipotecaria team makes sure to guarantee that clients receive the maximum percentage to acquire their home.

One of the differences between the second home mortgage and the mortgages to acquire a habitual house is that some financial institutions set more expensive interests in this type of credit. Regarding the term of the loan, it is usual to opt for a 20 or 25-year loan, while a traditional mortgage can be paid in 30 or even 40 years.

Recommendations for applying for a second mortgage

Given that a second home mortgage can present some negative characteristics, the professionals at Central Hipotecaria are responsible for carrying out the process in the best possible way. One of the recommendations that the company offers to clients is that they have a good level of savings to access a favorable mortgage.

On the other hand, people must have a good guarantee and have their first home free of charges, since a stable economic situation positively influences obtaining credit. If necessary, Central Mortgage staff offer support to customers who wish to analyze other viable alternatives to successfully apply for a loan.

To ensure compliance with the requirements and conditions established by financial institutions, people can request their own manager from the team of professionals that works at Central Hipotecaria to analyze the situation carefully. The company is characterized by its ability to react and agility during negotiations, ensuring immediacy in each response.

Since the beginning of this school year, the City Council of Águilas, through the company Lázarus Vital from Aquila, has been carrying out the Educational Program for Driver Education in schools. One of the objectives of this Program is to transmit the important work that parents have in driver education as those responsible for transmitting to their children the attitudes, values ​​and rules of road behavior. For this reason, last week the Francisco Rabal House of Culture hosted a talk-school for parents on the Road Education Program, given by Candela Pérez, pedagogue and training coordinator, together with José Vicente López who spoke about the use and management of the different telematic tools with which the parents of the students can be an active part of the educational program and co-responsible for the development of correct habits in their children in relation to Traffic Education.

“If we want our children to behave in a civic way on the road when they reach adulthood, it is best that they acquire good habits from a very young age,” said Andrés García, head of Lázarus Vital. Along the same lines, the mayor of Education, Francis Gallego, who attended the talk together with the mayoress of Águilas, Mari Carmen Moreno, and the mayor of Citizen Security, Cristóbal Casado, pointed out that “parents become the first instructor of the child in his road learning and in the model that he will follow in his future behavior. Hence, the collaboration of parents and family members in this Driver Education Program that we promote is essential”.

At an early age, children use public roads as pedestrians or travelers, but always accompanied by adults. For this reason, families should have as a priority objective the promotion of road attitudes, which generate citizen awareness and behaviors aimed at creating a road sense, coexistence and adequate guidelines for safe mobility.

For the second consecutive year, the Regional Hemodonation Center and the Association of Friends of Culture “Manuel Coronado” have launched a donation campaign that, with the motto ‘Donate blood for the love of art’, will take place this Tuesday 25 April at the Infanta Elena de Águilas Auditorium, from 5:00 p.m. to 9:00 p.m.

With the collaboration of the Águilas City Council and the Murcian painter Pedro Cano, the association from Aguilas has made an appeal to the population to donate blood, giving each of the attendees a reproduction of a work made for this purpose along with a ticket for El Hornillo multiplexes and also entering the raffle for the original film.

The extractions will take place at the Infanta Doña Elena Auditorium and Conference Center and, although it is not necessary, it is recommended to request a prior appointment for organizational reasons at the link:

During the presentation press conference that took place this morning, the Hemodonation Center made an appeal in view of the alarming drop in donations. “Blood is vital to save lives – they have recalled – and in recent months we have registered a very significant reduction in donations in Águilas”. The only requirements to be a donor are to be between 18 and 65 years old, weigh more than 50 kilos, be in good health and not have had a tattoo in the last four months.