Finish the fixation and you are not satisfied with the year that your bank offered you? Try to bargain, but first ask the competition.

Doesn’t you want to withdraw your mortgage to another bank due to a difference of 0.5 percent? Go call it. Each tenth of a percent per million mortgages with a maturity of 15 or 20 years means a difference of 55 crowns msn, for two million mortgages it is 110 crowns.

When you find a bank that will provide you with a mortgage a full percentage cheaper, it will cost 16,500 crowns for millions of mortgages in five years and 33,000 crowns for two million.

Repay the mortgage with all banks, when you pay the fee for the issuance of the mortgage or a new estimate of the price of the property, it may happen that you do not spend on changes in the final competition. The goal is to choose a state that offers products intended for refinancing.

Unlike bnch vr, banks provide them free of charge or with a reduced fee. In most cases, this will result in an initial estimate of the price of the property, supplemented by photo documentation and an accurate statement of income. The condition is that he will meet the current mortgage without any problems.

Refinance um at eight banks
At present, the refinancing has a total of eight financial balances: Bawag, Volksbank, Wstenrot, GE Money Bank, esk spoitelna, Komern banka, nov mBank or esk pojiovna, which offers mortgages from the middle of the year.

Compared to last year, it is twice as much financial status and a certain amount to choose from. When refinancing, it is mainly a better annual rate, but you can better adapt the new mortgage to your current needs. You need to extend the maturity period or rewind the mortgage by a repaid loan in the form of a supplementary credit.

An overview of mortgages on refinancing can be found HERE

You need to know how long to go
You can either contact individual banks yourself or contact one of the mortgage brokers. He should be able to use exactly which bank will offer you the most suitable one. Choose a bag that works with more states and has a good name in your field. Take care of the fact that in the first meeting you will have to explain how many pensions to go long. You take it out of the entry from the current here to the mortgage. You should know your income and know who provided the mortgage.

Evidence of income, ownership and real estate will come to the office and in the moment when you want to file enough about incl. If the bank requires a little different documents, so check their list directly with its advisor.

Before signing the contract, clarify what everything will cost and what you will have to procure and pay yourself. This will avoid unpleasant surprises in the form of additional costs with which you did not sweat. It can be an entry from the cadastre of real estate, inserted in the mortgage first or kept here, which the bank requires.

Bargain with your bank
Not enough for a mortgage in a new bank to sign, tactically. Make an appointment with your original bank, take all the competitive offers with you and try to agree on a reduced year’s rate. You have a great deal that the bank will eventually flourish, because it will not want to drink about vs.

According to the experience of the client and the bank adviser, the first offer of the rate often thinks that it has room for maneuver. So with a negotiation, mortgage broker, sometimes it can even get a better year than long.

When deciding whether to refinance your mortgage, be sure not to wait until you are notified of the new year rates in the box. Banks will send the notification no later than 25 days before the date of fixation, but it will be late.

Contact your bank yourself, calmly two months in advance. You will have enough time to find out what the competition would offer you, and to load the transfer of the year or possibly a year for another fixed period to negotiate with the current bank.

6 steps to repay a mortgage

1. Find out well in advance what annual rate the current bank will offer you for the new period. Be interested in how the conditions m competition. You focus mainly on financial stocks that are refinanced as a specialized product.

2. Compare the competitive bids with the year offered by your bank. If the difference is not large, try to negotiate a dream rate with your bank. You have a great deal that it will eventually bloom, because it will not want to drink about vs. If you do not have an agreement, use the services of one of the mortgage brokers.

3. If you decide to grow your mortgage against the competition, let the existing bank write to you in particular. As long as you have to notify the bank, you will exclude the contract. At the same time, submit it for all the documents you will need, such as a certificate of unpaid faith, an expert opinion, consent to the registration of the mortgage law as the type of order and the promise to delete the mortgage after the original mortgage (so-called receipts).

4. Assemble all the documents needed to apply for a new mortgage. Publish their list directly at the bank. And you’ll have all the paperwork together, give enough for a new mortgage. After approval, sign a new faith and pledge agreement.

5. Submit a proposal for the deposit of the mortgage first in favor of the new bank to the real estate cadastre. In return, the bank will release the pension so that you can repay the original loan. Make sure that the original bank sends a receipt to the cadastre immediately upon receipt of the pension, to the deposit, which will first delete its mortgage on the property and the new bank will move from the second to the first city.

6. Within fifteen days of the drawdown, you will transfer the so-called insurance encumbrance in favor of the new bank. Because in return for real estate, it must be associated with the fact that in the event of an insurance event, the bank will receive the pension, not the owner of the house or apartment.

6 steps to repay a mortgage

1. Find out well in advance what annual rate the current bank will offer you for the new period. Be interested in how the conditions m competition. You focus mainly on financial stocks that are refinanced as a specialized product.

2. Compare the competitive bids with the year offered by your bank. If the difference is not large, try to negotiate a dream rate with your bank. You have a great deal that it will eventually bloom, because it will not want to drink about vs. If you do not have an agreement, use the services of one of the mortgage brokers.

3. If you decide to grow your mortgage against the competition, let the existing bank notify you in writing. As long as you have to notify the bank, you will exclude the contract. At the same time, submit it for all the documents you will need, such as a certificate of unpaid faith, an expert opinion, consent to the registration of the mortgage law as the type of order and the promise to delete the mortgage after the original mortgage (so-called receipts).

4. Assemble all the documents needed to apply for a new mortgage. Publish their list directly at the bank. And you’ll have all the paperwork together, give enough for a new mortgage. After approval, sign a new faith and pledge agreement.

5. Submit a proposal for the deposit of the mortgage first in favor of the new bank to the real estate cadastre. In return, the bank will release the pension so that you can repay the original loan. Make sure that the original bank sends a receipt to the cadastre immediately upon receipt of the pension, to the deposit, which will first delete its mortgage on the property and the new bank will move from the second to the first city.

6. Within fifteen days of the drawdown, you will transfer the so-called insurance encumbrance in favor of the new bank. Because in return for real estate, it must be associated with the fact that in the event of an insurance event, the bank will receive the pension, not the owner of the house or apartment.

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