The spread , this mysterious word and all they talk about having a few end users really know the meaning. Often encounter clients who ask me a low spread without even knowing what they are asking, the power of advertising ....
The spread is the real gain the bank granting the loan, the price we pay for that blessed capital that will allow us to buy the house of our lives. The spread also indicates the risk assessment that each of us has for the bank. Let me give an example, if you ask a loan of € 130,000 for the purchase of a property worth € 200,000 and it took the loan with my wife and Our incomes are added up to 5,000 € month surely the bank will value the transaction and prezzerà little risky with a spread of 0.80%. The thing is well
different if the purchase of a house worth € 150,000 asking a loan of € 150,000 (not to mention 160,000) and my income and my wife is 2,500 €, in this case the bank considers the most dangerous operation and consequently, the spread will rise. So the more our incomes are high, unless we ask the smaller the spread of capital that the bank deems to apply to our lending operations.
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