Sample Email After The Interview

Abuse in New

One of the most common abuses by banks is to require a new appraisal of the property, claiming that the appraisal before we do with another entity to apply for a mortgage is not "approved" by the bank. The reason for this requirement is simply to give business to the appraisal company, which happens often own the same bank. What a coincidence. The file
200903060 Complaints Service Bank of Spain is collected for a client who was forced to perform another appraisal of the building with a valuer appointed by the entity (Group BC), claiming that the one presented by him, Tinsa had developed, was not approved in the state ... In this case
appreciated malpractice bank whereas Article 5 of Law 41/2007 of 7 December, incorporating a new Article 3 bis I) of the Act 2 / 1981 of 25 March, regulating the mortgage market, provides that "credit institutions, even those that have services of assessment, shall accept any valuation of property provided by the client, if, as certified by an approved valuer under the provisions of this Act and not expired as provided by law, and that, without prejudice to the credit institution to carry out checks it deems appropriate, of which in no case may affect its cost to the client to provide the certification. " worth noting that the term of the valuation reports and certificates is six months from date of issue (Article 62, paragraph 4, of the Order ECO/805/2003 , 27 March, the Ministry Economy on valuation of real property and certain rights for financial purposes).
Prior to the entry into force of this standard (December 9, 2007), there was no provision requiring institutions to admit or accept the report of appraisers than those with normally operated, which meant that in the event of there being a negative of a mortgage loan application, the client was often with the original of a report that it was not useful for the loan to other banks.