Now we will present the possibilities of getting a loan in US. Any US whose country is located in the US Union can apply for a loan at any bank located in the US Union. However, to receive a loan, you must meet the requirements and criteria of the selected bank.
Unfortunately, there are currently no loans for people working in US against real estate in US. Banks in US grant loans to Poles, but only if they receive collateral in the form of an entry for a mortgage on a property located in US.
Importantly, according to data from the US Mortgage Federation, the average interest rate in US is 68% higher than in US, and more than twice as high as in Sweden! It would seem that nothing but take a loan and buy or build.
In order to receive a loan in US, you must meet several basic conditions:
- you must have permanent registration in US,
- work on a contract of employment (permanent employment),
- work in a liberal profession (work contract, commissioned),
- run your own business,
- you must have a positive credit history in the register of the SCHUFA private sector credit agency.
So if your main income comes from US, unfortunately, but getting a loan in US is not easy. The procedure for obtaining a loan in US is carried out in the same way, regardless of whether the applicant is a German or a Pole. In bank statements, as in US, the best are people with permanent employment. Entrepreneurs in US complain that even if they have a small debt, they will not receive a loan, this is also the case abroad.
Is it worth using the help of a financial adviser?
Yes of course. It is good to visit an adviser even when the loan you intend to take applies only within our country. However, if we want to combine and finance foreign investments with it – this is a really good time to use the help of a specialist. Not only will he answer all of our questions, but he will also help to solve the most important formalities. Such help is often very helpful, sometimes even necessary.
Let’s think for a moment why so many people give up the services of a financial advisor and prefer to bother with everything on their own. What prevents you from making a phone call and making an appointment? I think we know – finance. We are afraid to call because there is nothing for free. In US, it is accepted to think that every service and every help costs money. And probably in most cases, but not here.
Of course, it’s not like financial advisors help out of pure goodness without a single profit. However, it is not the customer who bears the cost of using this service. The bank pays for the help of advisers! They get a commission from every new customer they arrange for a banking institution. That’s why you don’t have to worry – just call and make an appointment with a specialist. If the meeting is too much to start with – the most important terms of cooperation can be discussed by phone. You can take the decision about the meeting calmly after a phone conversation.
Why is it good to make an appointment with an expert?
A good specialist will lead us in such a way that we will not only do everything that we wanted to do, but also do it on the most favorable terms! For us it is pure profit. At least, there are no losses associated with an unfavorable credit offer. A financial advisor will also save us a lot of time and stress that arises from arranging credit.
On the other hand, a foreign financial expert will allow people to take out loans without constant trips to the country. It is worth asking such a specialist for advice also when we lose hope – he may suggest some solutions that we had no idea about. A financial advisor is a person we can rely on when negotiating with a bank, helping to prepare the necessary documents and checking the terms of a loan agreement. In a few words – such a specialist will be our right hand when arranging a loan.