After looking and to see many real estate, we have found what we like, the housing of our dreams!, and we meet the most important factor: I PAY. How we will pay the housing that we have just found? To the few one, if we have the quantity that we have to pay or by means of Funding.

- FEW PAYMENT : Still having the amount that we need for the payment of the housing, it is profitable to pay it of this form?. It would be good, rather necessary, a study realizes financier - district attorney and this one would give us the response of how to pay the housing. Saldubasol Real Estate Agency will advise them they realizing a study, in order that you freely, analyzing the favorable and unfavorable factors, they decide if they pay the few one or by means of funding.

- FUNDING: we have decided for buying our house by means of the most frequent modality that is used on the market. At the moment of financing the buy of our housing, we will have to have in bill a series of very important points that make determine what type of funding to us or lending we will to choose. The most common lendings are:

     PERSONAL LENDING: It Is that one that is granted us only and exclusively with our personal guarantee. It is much cheaper as for the formalization, but on the contrary, has a few more negative presentations for us as for type of interest, which is in the habit of being higher, and time since they are lendings to a term relatively short, as which at the moment of requesting a personal lending we must have very clear, especially, the form in which we want to return the given amount and his interests to the Entity that grants the lending to us.

     HYPOTHECARY LENDING: It is a lending in with real guarantee; it is to say, the housing, in this case, would guarantee to the Entity the good end of the payment of the given quantity and of his interests. What advantages we find in the lending with real guarantee with regard to that of personal guarantee.?. The type of interest that is lower and the comfort at the moment of returning the amount received with his interests, since the period of life is considerablly longer than that of personal guarantee.

Inside this modality of lending hypothecary the scale, since seeing hereinafter, it is very wide as for time and types. Nowadays, for the competitiveness of the bank companies, the hypothecary lendings, even they adapt to the needs of the borrower.

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