Anyway it really doesn't matter the (sob) story because this is the best advice that you will receive in here, so pay attention: Come up with a collateral that it's worth at least 120% of the loan amount that you are asking and maybe somebody will be willing to discuss this with you. Your best chance is to borrow the money from friends and family, people that know and trust you.
I didn't have the money yet. Anyway in my country any contract can be broken in a 15 day period after signed (by both parts).
The bank that accepted my loan had as a guarantee my girlfriend who work oversees, and my mother. In the 15 day period after the contract was signed, the risk assessment department backed out as they realized that I was not going to work at the same time (no shit sherlock), and no longer accepted my girlfriend as a guarantee because of a foreign contract ( We think that is because she have a permanent contract but in the UK , which is currently in the Brexit process, and the sterling pound got a big kick down).
I do have a property which is co-owned by me and my brother (which would be no problem for him since I already asked), which had an evaluation of 80k€ in 2015. Now all the properties in Portugal got a value boost in the area I have the property (near the capital city). Even at the same price, is easily 140% more than what I require (only 140% because I am already deducting the remaining housing dept to the bank).
Thanks for the advice by the way. The thing is, how do I make this a colateral? Should we sign some sort of contract? Any forum topic where I can check on how colateral should work? (In this case is a property that is currently beeing used).
And you suggest on here or in a specific lenders website?
Cheers!
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