مالی املاک به زبان ساده: چگونه وام مورد نیاز برای خانه‌ای که می‌خواهید را دریافت کنید

This latest book in the Made Simple Series contains so much valuable information, you won' be able to put it down. Property Finance made Simple is the latest book from best seller, property guru Andrew Crossley. Want to you buy your first home? It looks at the challenges of the Australian home affordability crisis and steps you through everything you need to know. It removes your challenges with the current market so you can get the right mortgage to fund your first home. Looking to do more with your mortgage? Rates are low, property prices are rising and the banks are being tough. Yet the opportunities are there for those savvy home owners and investors who know how to work the current mortgage market to their advantage. Dreams of your property portfolio on hold? Open the door to the secrets to todays finance in the Australian market. The equity in your home is the key to your long term financial growth. But how do you move in such a challenging market of contentious lending policies and soaring property prices. Self-employed and locked out of the housing marketing? It doesnt have to be that way. If you are self-employed, Property finance made simple is going to change your mind. This is a book for right now and unlocks the secrets of how to work the current mortgage market to your advantage as a self-employed business owner. Summary The Australian property market is covered in respect to the influences on prices, and the affordability crisis. Several changes in lending policy, borrowing capacity calculators and living expense assessment are discussed in great detail, ultimately helping a borrower be more prepared and confident in applying for a mortgage. One of the biggest mistakes a borrower can make is going directly to a bank or lender, rather than using a broker to explore all the different options for them first, maximizing the applicants borrowing capacity, simplifying the application process and dealing with issues and hurdles that often arise when applying for finance. Emerging influences on the ability for someone to get a loan are introduced as these will continue to have a growing impact on the finance industry, such as positive credit reporting, responsible lending, and regulatory pressure. This book equips you with the tools and knowledge to understand how the finance industry works, reasons for the housing affordability crises, what to consider when applying for a residential loan, and who you should use when applying for finance. Covered in detail in this book include lending requirements/considerations, finance institution requirements, how to get a loan, what type of loan you may be eligible for, and finance available for different property types. There are many hurdles in the finance industry that have emerged recently and will continue to emerge in the short and medium term. It is important you know about these issues in order to be more prepared in tackling them, so hopefully they may become less of an obstacle for you. Some of the issues could be not knowing how to apply for a loan successfully, whether all your income will be used toward servicing the loan on the lenders calculator, differences between lenders calculators to provide the best borrowing capacity, no matter what stage of life you're at, the loan-to-value ratios available, and how living expenses in a lenders eyes are changing. This insider's guide to the finance industry will thoroughly prepare you to: * better understand the forces influencing the property and finance industries and how to tackle them * more successfully apply for finance for your first home or next property * put in place key factors to positively impact on your loan application * reduce the risk to the cost of debt and your exposure to debt. With Property Finance Made Simple, you will be able to keep your bank and mortgage broker more accountable for their advice