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Mortgages - replacement is the replacement of home mortgage

Mortgages Guide - replacement is the replacement of home mortgage

- A home purchase loan may become unsustainable over time, not only a variable rate mortgage can have an installment that grows over time too because of 'increasing the European indices of reference, but also a fixed rate mortgage can create problems if they are to change the their financial conditions.
Then the solution, made even easier by Bersani Decree of 2007, may be the subrogation the loan or its replacement : these two operations, since the latter also states that there is an additional liquidity. How to operate if you want to substitute your mortgage? First, one must observe the 'last installment paid, the APR (annual percentage rate), how many are still missing installments to be paid, the total outstanding principal, with these data at hand, you have to calculate several quotes online so as to compare what they can offer various loans subrogation.

with various mortgage quotes in hand, we must go to your bank asking for the renegotiation Loan , which is possible at no cost to the customer, including through a simple deed without notary (the bank has the right to ask, however, the 'action: then the costs are borne by the customer): You can negotiate changes in the rate interest of 'payment amount, the type of loan, the duration of the plan rimobrso ...

Obviously the bank has not 's obligation to accept, at this point then you can take out a mortgage at a surrogate for' another bank that will take care of all the practices of movement: the customer does not have to pay fees or commissions. Instead, for the replacement of mutual there are more costs, because this practice with the client also requires additional liquidity: because you have to do a new mortgage, will have to bear the costs (there is also the possibility of any loss of tax benefits).