Can you ask it with low savings and low bills? That would be a very good opportunity to create a buffer.
If your savings are <10k EUR…
This just aids financially irresponsible families.
Edit: I was wrong. I didn’t realize this was a basic forbearance scheme.
Those who rent can go fuck themselfs
Oh cool, let’s postpone the problems 1 more year so next year it will hit us even harder
What would happen if everybody stopped paying their shit.
What they gonna do? Throw us all in jail?
Unite people and stop paying your bills
Forbearance is a standard possibility in a mortgage construction. You should just ask for it and the bank usually oblige. But the thing is, they only do it once for the duration of your mortgage, it doesn’t have to become a systematic issue.
Will this thing preserve this “bullet” or not? If it doesn’t, it’s a fake advertising because they just point you to a standard possibility.
So if I get this right. You are allowed to make your loan last a year longer, you basically have to pay a monthly fee for it (you intrest you have left).
So as an example, you have 500 euro interest a month now. This would mean you have to pay the bank 6000 euro this year for the opportunity to make your loan one year longer?
I get that for some people this is needed, but aren’t the banks here not just getting a lot of money for doing nothing? Or will this interest be subtracted from you total interest later?
Since the loan gets postponed one year, do you have to pay interest on that extra year?
Awesome. Beginning of covid, home owners could suspend their loans for a couple of months, and now basically again. What about renters? My rent is easily equal to a mortgage.
They should couple this too the energy efficiency off the house.
Houses that aren’t getting renovated should be foreclosed. So that somebody else can do it.
12 comments
Can you ask it with low savings and low bills? That would be a very good opportunity to create a buffer.
If your savings are <10k EUR…
This just aids financially irresponsible families.
Edit: I was wrong. I didn’t realize this was a basic forbearance scheme.
Those who rent can go fuck themselfs
Oh cool, let’s postpone the problems 1 more year so next year it will hit us even harder
What would happen if everybody stopped paying their shit.
What they gonna do? Throw us all in jail?
Unite people and stop paying your bills
Forbearance is a standard possibility in a mortgage construction. You should just ask for it and the bank usually oblige. But the thing is, they only do it once for the duration of your mortgage, it doesn’t have to become a systematic issue.
Will this thing preserve this “bullet” or not? If it doesn’t, it’s a fake advertising because they just point you to a standard possibility.
So if I get this right. You are allowed to make your loan last a year longer, you basically have to pay a monthly fee for it (you intrest you have left).
So as an example, you have 500 euro interest a month now. This would mean you have to pay the bank 6000 euro this year for the opportunity to make your loan one year longer?
I get that for some people this is needed, but aren’t the banks here not just getting a lot of money for doing nothing? Or will this interest be subtracted from you total interest later?
Since the loan gets postponed one year, do you have to pay interest on that extra year?
Awesome. Beginning of covid, home owners could suspend their loans for a couple of months, and now basically again. What about renters? My rent is easily equal to a mortgage.
They should couple this too the energy efficiency off the house.
Houses that aren’t getting renovated should be foreclosed. So that somebody else can do it.
We need to upgrade our houses asap.
So I only have to pay the index on my rent?