Attualmente trasferendo Hypotheek dalla nostra vecchia casa venduta a una nuova casa e ora stanno chiedendo di firmare urgentemente questo addendum in cui l’importo è aumentato con solo il 5% di spiegazione è che si tratta di una procedura di Tandarts e necessaria per trasferire i documenti a Notary. Non lo hanno menzionato nella simulazione. Sto reagendo in modo eccessivo o stanno davvero cercando di sgattaiolare in 10k in costi poco chiari? Grazie per l’aiuto
https://i.redd.it/88e2w1k54ntf1.jpeg
di Sulya_be
5 commenti
Have you considered asking them?
I have something similar in mine at another bank. If you default on the loan, they will charge costs.
My understanding is that this is indeed Standard, actually usually it’s 10%, when you get a mortgage, you do an inscription, you’re inscribing the house as collateral against the money you’re borrowing. Let’s say you borrow x amount and you don’t pay your mortgage first month, the bank will need to sell the house to recover the money, but the issue is selling the house will cost them money (admin, work…) so they need to guarantee that the extra money they might end up spending will also be recovered from the sale, this is why a margin of 5-10% is inscribed on the property you’re financing.
Note that these aren’t extra costs you pay now (or hopefully ever). In case you default on the loan, the bank can recover these extra costs from the sale of your house and thus the amount needs to get included in the mortgage at the notary.
This is pretty standard. It doesn’t change how much you have to pay back if you keep paying on time.
Solved, thanks everyone. Those 5% would only apply if we default in the loan, which is ok.