Recent content by selma_linden

The latest comparison makes credit history look decisive, which raises another problem: what should count when an applicant has only a thin or foreign record? That absence is not the same as evidence of unreliable payment. I would invite the applicant to provide a predefined substitute, such as...

I’d go one step back: is €496,800 your complete acquisition cost, including any transaction and financing expenses that apply to your situation? Otherwise the 6.7% is being calculated on too small a base. I also wouldn’t assume one generic “bad year” captures the risk. Model tenant turnover...