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<a href="http://viral-money-machine.com/article/10-things-to-remember-before-taking-out-a-mortgage-loan-kon/" target="_blank">Get Paid to Submit Article like "10 things to remember before taking out a mortgage loan kon"</a><br /><br />1. Have a long and smooth credit background<br /> <br /> If you don’t have a long-term relationship with a bank, start with at least one and start using a credit card. Contrary to the belief, not having a credit history is not favorable since it decreases your credibility from a loan officer perspective.<br /> <br /> 2. Pay your credit and credit card debts in a timely fashion<br /> <br /> When you apply for a loan, your payment performance for the previous 3 years is evaluated. Having delayed payments might decrease your credibility. Even if you cannot pay off your debt entirely, you should at least pay the minimum payment fee.<br /> 3. If you have problems making the payments, talk to your bank<br /> <br /> If you realize that you won’t be able to make a payment, talk to your bank and ask about changing the payment plan. Banks can charge you fees and extra interest, but it is better than having a damaged credit history.<br /> 4. Consolidate your debts<br /> <br /> Maxing out your credit cards and using personal loans at the same time might affect your loan application negatively. Try to consolidate your outstanding debts and try not pushing the limits of your credit cards.<br /> <br /> 5. If you had financial problems in the past, try to make amends with the banks<br /> <br /> The loans that are transferred to collection agencies affect an individual’s credit score for 5 years even if the debts are paid off entirely. You should pay off such debts as soon as possible, and request a legal document proving the fact. <br /> <br /> 6. Be careful when you sponsor someone else’s loan<br /> <br /> Be careful when you sponsor a loan taken out by someone else. They will affect your credit score if any problems arise in repayment.<br /> <br /> 7. Do not take out a loan on behalf of someone else<br /> <br /> Do not apply to a loan on behalf of someone else. Your relatives or friends with bad credit histories would most probably harm your credibility.<br /> <br /> 8. Cancel your unused credit cards<br /> <br /> Open and unused credit limit is a good indicator for credibility, but yearly card fees or small purchases that you can forget might put you in a collection process and harm your credibility.<br /> <br /> 9. Be aware of identity theft<br /> <br /> Do not share your personal information except with authorized people and brokers. <br /> <br /> 10. Get consultancy from a mortgage (konut kredisi) specialist<br /> <br /> If you are not sure about your options or credibility, get consultancy from an independent mortgage consultant instead of wasting time with applying different banks and getting rejected. Evaluate the offers and chose the most suitable bank for you before you go to a branch.<br /> <br /> <br>http://www.konutkredisi.com.tr http://facebook.com/Konutkredisi.com.tr