Hello guys! It me again to asking about the house loan. From last post, I know that I should consider about euribor before buying a house. So I contacted with banker and now they offered me this loan offer.
Could you please take a look and give me some advices💕

Thank you so much.

by Far-Interview4210

11 comments

  1. I would advice you to not look for financial advice on Reddit

  2. You could try to negotiate a better marginal on it. Some banks give 0.35 by just using their loan calculator.

  3. Get offers from a few different banks and make them compete for you. Go back and forth a couple of times until they all tell you they can’t make a better offer, then go with the best one.

  4. Id researching the potential of interest rates dropping if you’re wanting to go fixed term. Is this for a house you’re planning on buying or approval for starting to search for a house?

  5. *The higher your percentage, the more expensive and valuable your house is likely to be. I would ask for a higher rate to flex for your friends.*

    *Sincerely,*

    *Reddit Consulting Limited.*

  6. Wow, you got an offer from op? They never even called me back. Got mine through Nordea. At least you can find someone speaking English.

  7. Seems normal to me, you can of course shop around to find slightly better a deal, but it won’t be much better. I wouldn’t pay for insurance myself, I have fixed monthly payment instead – but fixed may result a limit to the period of the loan, lile 20 yrs max or so.

  8. Interesting. I’m about to ask a loan offer from OP and this is a good starting point for the negotiations as I’m a very good customer. Thanks for sharing.

  9. I got the exact same loan offer from OP (+collateral insurance). I did check in Nordea, Handelsbank and Aktia.

    Nordea had the best margin, slightly lower than OP, that offered the second best. But I ended up taking OP for the bonuses, which we use for insurances and other banking costs.

  10. OP margin isn’t comparable because of their stupid bonus system. Their real margin is always lower than their offer but by how much? No one knows.

  11. Seems pretty reasonable but go ahead and ask competing offers from couple more banks. In their negotiations be sure to mention you already have an offer with 0,45% margin from OP so they’ll know they have to do better than that. If you get even one better offer you can still contact OP again and say you got a better deal at X% and they might counter.

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