Both the annuity loan that the sale of the bare properties represent a means of obtaining funds from your property , bear no deadlines or the installments to be paid.
The difference between these two modes is that the sale of the bare ownership allows for greater liquidity on the spot, while the loan annuity is an instrument of greater protection for clients and their families.
Let's see in detail the main features of the sale of the bare ownership: The
sale of the bare ownership provides loan amounts higher than the annuity is an irreversible, (since is removed to the heirs any choice) and is not Partial. Moreover, in this case is enjoyed by the revaluation of the buyer, who makes money only if the seller does not live long, so, who sells the bare ownership should expect to find a buyer, which determines the price.
but now we see in more detail the main features of the loan for life: The
annuity provides loan amounts less than those that can be obtained by selling the bare ownership and, unlike the latter, a choice is reversible at any time (because the property is hereditary in the axis, which godono anche della rivalutazione). Inoltre, in questo caso, il cliente può richiedere anche un importo erogabile inferiore in qualsiasi momento ed il costo del prestito rappresentato dagli interessi, è proporzionale alla sua durata, poiché i criteri di determinazione dell'importo erogabile sono standard per tutti i clienti.
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