It is now possible thanks to the Bersani Decree substitute your mortgage already in progress.
means that you have the opportunity to renegotiate your mortgage rate could change not only the reference but also the spread that is essentially the margin lender Bank, all without having to take out another deed .
are also able to obtain a product that cancels all the incidental costs that generally bind to a mortgage loan.
- Zero cost of inquiries
- Zero costs of expert
- explosion and fire insurance free
- No deed
- or can be spread up to 50% in 30 years
For me it's a nice commercial lever and allows the customer to get a real savings that in some cases is quite substantial.
I have a few real-life example to understand, even the less experienced, what are the advantages to quantify the savings.
I recently gave a quote to a customer buying from the manufacturer opted for a couple of years ago the assumption adjustable rate mortgage with a 1.5% spread
current installment € 1,095, 00 per month.
I current installment € 1,095, 00 per month.
I suggested two possibilities on the € 133,000.00 residue:
Floating rate 20 years with spread 0.75% difference in installment installment € 887.00 € 208.00 months or total savings of € 49,920.00 on the amortization plan.
constant rate with a 20 years spread 0.60% difference in installment installment € 878.00 € 217.00 months or saving of € 52,080.00 on the total depreciation plan.
Meditate meditate gentlemen ... and above all, call me! ;))))
Bruno Zappia
ISCR. UIC 65866
role Alzaia Naviglio Grande 46 20144 Milan
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