Pedir un credito hipotecario en bhd

ESPA?A

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May 3, 2010
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ALGUIEN ha intentado solicitar un credito en BHD? yo si .......... y despues de estar 5 Meses esperando Respuesta y entregando Toda Clase de Documentaci?n lo deniegan Por Falta de historial de credito ...... ......... en Europa solo tienen historial de credito, los morosos o los que no pagan, ademas ?no es suficiente aval la propia propiedad hipotecada al 50%?
............simplemente lo deniegan por ser extranjeros.
 
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ESPA?A

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May 3, 2010
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Creditos en bhd......ja ja ja

ALGUIEN ha intentado en el pecado Solicitar Cr?dito BHD? Yo si .......... y despues de 5 Meses ESTAR Esperando Respuesta y entregando Toda Clase de Documentaci?n lo deniegan Por Falta de historial de credito ...... ......... Tienen en de Europa en solitario historial credito, Los morosos o Los Que Ningun Pagano, ademas ?no es Suficiente aval la propia de la pared de la Pared Propiedad hipotecada al 50%?
............ Simplemente deniegan creditos Extranjeros de la ONU?
 

Lambada

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Mar 4, 2004
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This person applied for a mortgage with Banco BHD, supplied all the paperwork, waited 5 months & was then turned down because he/she didn't have a history of credit in the DR (they have one in Europe). They are wondering why the house would not act as collateral for the loan & whether all foreigners are turned down?

ESPA?A, you will receive more responses if your post is in English. Hope you don't mind, I summarised into English.
 

waytogo

Moderator - North Coast Forum
Apr 3, 2009
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Santiago DR
Even though I receive a good sum of money every month to Banco Popular, and have been doing so for a little over 2 years, they turned me down on a small credit application because I am retired with no working income. I was trying to establish credit with them for future use on a larger purchase, like a house. But they did give me a Visa with a descent line of credit. I purchased 225,000 D.P. worth of furniture at a reputable store in Santiago and paid with 6 monthly payments thinking this would help with the bank, after I made the final payment it never showed up on my credit history. They then told me they don't report. Trying to establish ones self here is very difficult.
 

J D Sauser

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Nov 20, 2004
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Debo o puedo libremente asumir que Usted es de nacionalidad Espa?ola?
Me permito sugerirle, que en la mayor?a de los pa?ses Latino Americanos, los bancos no necesariamente concentran su fuente de ingresos en prestamos hipotecarios.
En la RD, hipotecas se ven ofertadas mayormente durante "ferias" hipotecarias, que generalmente son eventos en cooperaci?n con "urbanizadores" (promotores urban?sticos) conectados a o directamente asociados con estas instituciones.
El problema, aparte de la baja disciplina de pago en general, es la falta de registros transparentes de transacciones inmobiliarias. Es decir, que es muy dif?cil estimar el valor real de la mayor?a de inmuebles en base a un historial documentado, por ausencia de este. Por tanto, las instituciones bancarias se encuentran en una situaci?n de incertidumbre cuando se trata de evaluar el valor de mercado de un bien a hipotecar y eventualmente recibir en garant?a.
En fin, la situaci?n econ?mica, incluyendo ciertamente la de la denominaci?n monetaria local que solo tiene un "valor" dictado por las autoridades, no se puede comparar con los que pueda encontrar aun hoy en Europa.
Tambi?n cabe recordar, que en asuntos de "record" de cr?dito, la mayor?a de los pa?ses de las Americas, tratan mas bien de copiar o imitar el sistema de los EEUU, un sistema en el que el deudor se construye un record de cr?dito por, no solo su manejo de sus compromisos econ?micos, sino tambi?n, sus ingresos, su exposici?n y comportamiento financiero en general. En total, muy diferente lo que pueda estar acostumbrado en Espa?a.

Cordialmente.


Translation (in short):
I assume the OP is from Spain (EU).
Banks in many Latin American countries cannot base their income on mortgages only. Mainly, not only because of poor payment discipline but also the fact that we lack transparent public records which would allow lender to evaluate true value of a real estate offered as collateral.
Most local banks tend to concentrate their offerings of mortgages on "ferias", usually in co-operation with bank linked developers.
Most countries of the Americas, tend to try to copy or imitate the US-style credit record system. As the OP mentions, in some EU countries, credit reporting only happens in the case of default. Having NO reports suggest "good" credit. With the US system, debtors have to build credit, not only by honoring their commitments but also thru a complex formula which includes salary, location and other financial considerations.

... J-D.
 
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sunshine73

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Hola yo si soy extramjera y temgo mi prestamo y tarjetas con el BHD. Esto de los prestamos depende en muchas cosas, primero yo tuve que pagar $400 pesos a Data Credito para que me empezaran un historial de credito. (Estan localizados en la calle Gaspar Polanco en Bella Vista antes de la nu?ez de Casares) Inicio - Data-Cr?dito - El Bur? de Cr?dito L?der
Los prestamos caen sobre el que lo presenta, ellos no les gustan arriesgarse con un extranjero, por que piensan que pueden irse y dejar la deuda pendiente, una estupides si esta poniendo el 50%. Si desea ayuda mi acesor financiero le pudiera ayudar.

sunshine
 

suarezn

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Feb 3, 2002
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This is a huge BS that's going on at Dominican banks right now. Supposedly now they don't extend credit to people who live outside the country. My story is that I had taken a loan with Banco Popular - with my property as collateral - which I promptly paid. Last year I attempted to renew that same loan (same property, etc...) so after having to submit all the documentation anew, including my credit history from The US and a new appraisal of the property (which is now worth almost 50% more than last time), etc and after waiting about three months I get a denial on the grounds that the bank has changed its policy and they're not extending credit to people who live outside The DR (never mind that the amount of money I was trying to borrow was not even 25% of the value of the property). I was fuming, not because they didn't approve the loan but because they made me waste all this time even though they supposedly have this new policy in place.

I honestly don't understand the reason for denial when you're putting as a collateral a property that's worth two or three times what you're borrowing. Anyhow Banco Popular just lost most of my business due to this BS...
 

jaguarbob

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Mar 2, 2004
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This is a huge BS that's going on at Dominican banks right now. Supposedly now they don't extend credit to people who live outside the country. My story is that I had taken a loan with Banco Popular - with my property as collateral - which I promptly paid. Last year I attempted to renew that same loan (same property, etc...) so after having to submit all the documentation anew, including my credit history from The US and a new appraisal of the property (which is now worth almost 50% more than last time), etc and after waiting about three months I get a denial on the grounds that the bank has changed its policy and they're not extending credit to people who live outside The DR (never mind that the amount of money I was trying to borrow was not even 25% of the value of the property). I was fuming, not because they didn't approve the loan but because they made me waste all this time even though they supposedly have this new policy in place.

I honestly don't understand the reason for denial when you're putting as a collateral a property that's worth two or three times what you're borrowing. Anyhow Banco Popular just lost most of my business due to this BS...
this is just another step by other countries to not do any business with US expats,as far as large amounts of money,because of the new reporting procedures the US has imposed on all banks and US citizens transactions....anyways,that is what I believe...

bob
 

Chip

Platinum
Jul 25, 2007
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Santiago
I believe this person did not apply for a home loan but rather a line of credit (like a second mortgage) with the house they own as collateral.
 

Chip

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Jul 25, 2007
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Santiago
ALGUIEN ha intentado solicitar un credito en BHD? yo si .......... y despues de estar 5 Meses esperando Respuesta y entregando Toda Clase de Documentaci?n lo deniegan Por Falta de historial de credito ...... ......... en Europa solo tienen historial de credito, los morosos o los que no pagan, ademas ?no es suficiente aval la propia propiedad hipotecada al 50%?
............simplemente lo deniegan por ser extranjeros.

Si entiendo bien Usted esta pidiendo un prestamo con la propiedad suya como garantia, verdad?

No se si es por la situacion actualizada, digo por el crisis bancaria pero lo mas probable es que si. Le digo esto por la simple razon de lo que he visto personalmente es que los bancos dominicanos no tiene ningun problema por prestar a los extranjeros. Le pongo el ejemplo mio; con solo dos meses en el pais consegui un prestamo de un monto mas de dos milliones RD. Le solo tenia que entregarle al banco un historial de ingreso de departamento de impuestos internos de mi pais. Es verdad que paso hace cuatro a?os pero creo que vale la pena intentar de nuevo pero no con los bancos sino con las cooperativas. La mia es La Cooperativa San Jose en Santiago.

suerte
 

ESPA?A

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May 3, 2010
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se nego el credito por falta de historial de credito en Espa?a, dicen que las fuentes consultadas no encontraron ni siquiera un n?mero de telf a mi nombre......casualmente tego 8 lineas a mi nombre y tarjetas de visa de varios bancos.............lo presente al BHD y tampoco sirvio de nada. Pienso que realmente no conceden creditos a extranjeros y buscan cualquier excusa para no darlo, cuando se acaban las excusas..................porque presentas pruebas...........y simplemente te dan un NO por respuesta.
por cierto, la casa no tenia ninguna carga ni hipoteca
 

ESPA?A

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May 3, 2010
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[QUOTE = Lambada; 853711] Esta persona solicit? un pr?stamo hipotecario con el Banco BHD, aportado toda la documentaci?n, esper? 5 meses y se volvi? luego hacia abajo porque ?l / ella no tienen un historial de cr?dito en la Rep?blica Dominicana (tienen uno en Europa). Ellos se preguntan por qu? la casa no actuar?a como garant?a del pr?stamo y si todos los extranjeros que son rechazados?

ESPA?A, usted recibir? m?s respuestas si su puesto es en Ingl?s. Espero que no te importa, me resumi? en Ingl?s. [/ Quote]

gracias por la traducci?n
 

suarezn

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Feb 3, 2002
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Si entiendo bien Usted esta pidiendo un prestamo con la propiedad suya como garantia, verdad?

No se si es por la situacion actualizada, digo por el crisis bancaria pero lo mas probable es que si. Le digo esto por la simple razon de lo que he visto personalmente es que los bancos dominicanos no tiene ningun problema por prestar a los extranjeros. Le pongo el ejemplo mio; con solo dos meses en el pais consegui un prestamo de un monto mas de dos milliones RD. Le solo tenia que entregarle al banco un historial de ingreso de departamento de impuestos internos de mi pais. Es verdad que paso hace cuatro a?os pero creo que vale la pena intentar de nuevo pero no con los bancos sino con las cooperativas. La mia es La Cooperativa San Jose en Santiago.

suerte

Chip if you don't mind me asking what rate do you get with this co-op? Also do you have to be a member of the Co-Op for them to give you a loan (kind of like credit unions here in The US)?
 

Chip

Platinum
Jul 25, 2007
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Santiago
Chip if you don't mind me asking what rate do you get with this co-op? Also do you have to be a member of the Co-Op for them to give you a loan (kind of like credit unions here in The US)?

Yes I had to open an account and the rate was 19%.
 

Lucille

Bronze
Jan 14, 2007
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Dominican Banks take in consideration age.
If you are 59 years old or older is harder to get a loan than a younger fellow. The rate is higher and the mandatory insurance policy is also more expensive.
 

bayaguanaman

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Oct 22, 2009
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Any credit unions which are as stable as the market allows today work in a mode similar to the time deposits offered by the mainstream banks. I note the interest rate of 19% I assume for borrowing which could leverage a decent return on deposit as well. Seems CD's are not as available as before these days ?
 

suarezn

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Feb 3, 2002
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BHD actually has very good rates nowadays. Last time I was there I was quoted 9%, but of course they don't loan money to people who live outside The DR.
 

ESPA?A

New member
May 3, 2010
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[Quote = suarezn; 854205] BHD en realidad tiene muy buenos precios hoy en d?a. La ?ltima vez que estuve all? fue citado el 9%, pero por supuesto que no prestan dinero a personas que viven fuera de la RD. [/ quote]


ESTE ES EL VERDADERO PROBLEMA QUE NO ..... Prest?n DINERO A LOS EXTRANJEROS E INVENTAN MIL EXCUSAS PARA NO DECIR.........NO PRESTAMOS A EXTRANJEROS
 

ESPA?A

New member
May 3, 2010
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El bhd busca excusas para no dejar el dinero................siempre dice que falta algo y cuando lo entregas falta otra cosa..............siempre es asi, hasta que te cansas o simplemente al final dicen.............intentelo en unos meses.
 

Chip

Platinum
Jul 25, 2007
16,772
429
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Santiago
El bhd busca excusas para no dejar el dinero................siempre dice que falta algo y cuando lo entregas falta otra cosa..............siempre es asi, hasta que te cansas o simplemente al final dicen.............intentelo en unos meses.

ya rindese, busque otro banco.