What bad luck!

I recall with a bit of nostalgia in those days that the economy was managing only 500 pesetas a week that I gave my parents to spend the week. I gave the Friday, and the first thing we did was go to the candy store, I spent 100 pesetas in sweets and came home to comérmelas while he saw the "Farce" Alfonso Arus. One of the most brilliant fakes, made by the presenter, was that of Jose Velez (PEPE GAFE), with those giant yellow glasses. Singer home to Canario attached to it the power to gafar everything that was played caricatured as the king of gafe week after week. It is said in the audiovisual world that the presence of Jose Velez was set at any harbinger of all kinds of bugs.

In real life, the lot must be cultivated, if acted responsibly and planning, probably before a problem, leaving succeed and people will say that I have had luck Menuda, but without seeing the fate that often gives a boost to those who have cultivated to reach the ground. Similarly, bad luck can also be removed from our lives using our head a little.

Let's see the example of those who were disappointed because they are going to review the latest Euribor high before falling these days, which is expected to remain a good season.

Flat funded at 100% of the valuation that matches your purchase price, he or the buyer / en had saved for expenses of deeds, taxes, etc ...

Data calculation:

Price floor 240,000 €
Initial capital funding: € 240,000
Term: 30 years
Differential: 0.75%
Signed: November 1, 2003
Last Euribor published in BOE (Oct. 20) 2258% (average September)

Successive revisions:

September Euribor
2003 2.258
2004 2.377
2005 2.220
2006 3.715
2007 4.725
2008 5.384

Shares after each review.

Date Euribor Quota
December 2003 2.258% 1007.62
December 2004 2.377% 1022.21
December 2005 2.220% 1003.54
December 2006 3.715% 1182.12
December 2007 4.725% 1306.29
December 2008 5.384% 1387.61

It is clear that the rise in rates has increased the quotas mortgage by almost 40% in 5 years, but we must accept it because that is what we have variable rates, but now that it appears that the Euribor curve starts to fall and despite this, will continue to pay the Euribor September (5384%) when a Dec. 1 will be below 4.30%, the subject can take two positions:

1 .- Putting a giant yellow glasses and say "THAT BAD LUCK!"

2 .- To take in the matter and espabilarse. If we want to implement the November Euribor there to sign a new mortgage between December 21 and January 20, and that we go.

It is said that today the banks do not want to know anything about mortgages, and this is not true, the banks want to know anything about bad mortgages (over 70% of the current valuation, shares representing% higher than 35%, etc ...). What we want is good mortgages, and mortgages are killed for stealing good competition. A few days ago, I received an e-mail the following offer: (Do not put the entity because they do not pay for it, but that was more than one bank is a game of "good")

As you see, if firmásemos this offer:

In the event that comentábamos, subrogation of the Euribor to a 4123% with a spread of 0.38% of the new mortgage would give us a share of € 1.190.03.

We turn now to reflect on the good and bad luck. In our case, remaining amortization of € 215,625, and the original valuation was € 240,000, which represents a 89.8%. Or is it priced at a value exceeding € 308,000 or may not qualify for the subrogation of the announcement said.

So, those who had saved something and gave it entry to the flat, will have "lucky" to be able to benefit from the desperation of the financial institutions to get good mortgages, and those who bought without prior planning, will have the misfortune of having to continue to pay a higher differential and not be eligible for the fall in the Euribor until they touch. In the bar, which could not benefit from the offer it will tell another that has a lot of luck.

So, should we rely on luck or we grow it?

1 Star2 Stars3 Stars4 Stars5 Stars (338 votes, average: 4.46 out of 5)
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Oriolrc written by the November 24, 2008 with 308 points.



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308 reviews

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# 1, Solbes ruin zp unions

November 24, 2008, at 9:37.

baton: 4.051

buenois days

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# 2, Yanya

November 24, 2008, at 9:38.

For an example,
I reviewed the mortgage in January, and still is not with that month I will take the reference of the Euribor (almost certainly the most consistent with them), but I'm going to put to work to see if you get me den December but the change of bank ... I hope so.

A greeting, you read every day.
I do not understand economics but you do it to me easy.

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# 3, Yanya

November 24, 2008, at 9:39.

I forgot, today participated in the club ..
4.072

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# 4, Anonymous

November 24, 2008, at 9:40.

Today I made a simulation with a result that people did not take into account.
Assuming inflation rates and constant and equal to the current (if change does not change anything as long as the inflation-rate differential) is maintained constant) in 25 years, more or less the actual cost (discounting inflation) is half of the current.
It's what we always said, but just as nobody mortgages not appreciated, in the end what you pay in a relatively short, as long as you embark on something bigger and more expensive, if you only want to pay your house that is so, conclusion: let the time

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# 5, Appalled

November 24, 2008, at 9:41.

Okay, it seems to me an article from the street (for all to understand), but in reality, and reality is different, and should be seen whether the banks really are so eager to get those good mortgages at the end .... I have also received offers from other banks (and others say, because they have been several), which apparently according to which I pay for everything commented C. Lopez, surrogacy costs, valuation, cancel my current bank, in effect, a solely (it seems) go, but then would have to see whether this operation will pass.

On the other hand, if you are comfortable in your bank and do not want to change the place of mortgage, BUT, I would like you to apply a lower differential, because if another entity has called to your door .... You are OF LUCK (by continuing the thread of the article), as this will serve you to pressure your bank to lower its differential, in fact, when another entity sends the letter to your body to tell me what they offer and that probably eirp me from there, my body is obliged to make a counter-offer that at least should be as juicy as it throws me the other entity (if not, is that your mortgage is not attractive to your current bank), and then you can say ... .. BAD LUCK TO CHAT !!!!!

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# 6, www.aedru.org

November 24, 2008, at 9:42.

This is a propitious time to seek good hipoecas, the enidades seeking financial position with creditworthy customers and take advantage of time and downs of the Euribor to launch campaigns interesting.

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# 7 Anonymous

November 24, 2008, at 9:43.

Good morning

Good friends are referenced to the mortgage IRPH (with the initial five years of grace, to finish the game), they just go up the letter and did not quite know how to switch to the Euribor Could this change? At what cost?

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# 8, quitos

November 24, 2008, at 9:44.

Buenos dias Forero !!!!!!!!!!!

Today I return to work after 15 days of vacation ... Yesterday, the first thing I thought was ... that bad luck to work tomorrow, but then, thinking ... I said coldly. GOOD LUCK TO !!!!!!! I HAVE A JOB !!!!!!!!!!!!! Besides, I was still a semanita I take vacation in December !!!!!!!!!!!!!! Yupi !!!!!!!!!!!!! Today's baton, 4012

Kisses

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# 9, King Quinito

November 24, 2008, at 9:46.

In my case I take them to negotiate rather difficult. My evaluation, conducted in August 2007 was € 200,000. I take this opportunity to ask a question, to switch the mortgage institution, will perform a new valuation?

My outstanding capital amounts to € 178,000 (89%), and the quota represents 48% of our net income.

I mean, what we have difficult : P Thank God we checked with the Euribor to be published on January 20, and that is probably less than 100 bp at our last review

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# 10, goes kurt

November 24, 2008, at 9:46.

# 2, Yanya
Buenos dias. It is possible that you check with the average for the month of October. If so, the pain will not be like in September.

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# 11, HCDan

November 24, 2008, at 9:51.

I had the idea that the stock market value of a company, should reflect the situation of the company, if you're going well or badly, whether or not earn money, if it improves its heritage, and so on.
But now I get the impression that the value on the stock market depends, for the most part, you have people wanting to buy or sell shares of that company, for reasons unrelated to the economic situation of the company.
I think left to supply and demand, the value of the companies and all that comes back, is a donkey.
The bag has become a kind of lottery, you play and if you're lucky win, and if you do not lose. Admittedly, sometimes the ups and downs are related to certain aspects of the situation of the company, and could foresee the changes, but not enough.
When talking about remaking of capitalism, my opinion is that an important aspect to "refound" would be the operation of the bag.
The value of the companies should be determined exclusively by the economic situation of that enterprise, that is, if the company is doing well or have quantifiable expectations, the value goes up and those who have invested in this company earn. If the company is poorly managed, or work in an industry with no future, the value low and investors lose.
The valuation of the company should be done through software, without feelings!, Based on the economic balance of the company.
It is perhaps a donkey what I have, but it's an idea.

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# 12, Carlos Lopez

November 24, 2008, at 9:52.

# 5, Appalled
It's Monday, today writes Oriol ;)

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# 13, Carmencoa

November 24, 2008, at 9:53.

Pos coated not bad that you pay all costs the bank to surrogar I have a spread of 0.45% is not bad bad esque I reviewed in September and got a 5.37 Euribor +0.45%, and in January assured that this under 4 are talking about a year to pay almost € 200 over, I could say that the bank is that please.

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# 14, Anonymous

November 24, 2008, at 9:54.

Why not lower floors?

All experts agree that the crisis will be overcome in our country to the extent that the assets, mainly real estate assets, adjust their prices to allow for a recovery in sales activity. However, it is clear the resistance of real estate assets to lower its price. Why?

It happens that builders and real estate companies, which control most of the housing market that the brand-new price-sector are not yet in a situation so that they are under obligation to reduce prices significantly to sell. This is because being made that banks and savings banks renegotiate their loans on acceptable terms and that would be incomprehensible if not mediate a series of financial circumstances.

Banks and boxes being renovated many of its loans to its regret, because the alternative of not doing so would bring them a much more painful. Not renew the credit would force the company to start an arrangement with creditors and would almost automatically that the financial institution that had provisions for depreciation pending with the resulting recognition of further losses. Financial institutions in Spain, despite its good policy provisions carried out in recent years, can not afford a cascade of defaults by property companies. The alternative is to keep the sector, whose reaction is not bringing the prices to the new situation. And so it is difficult to make transactions for the purchase and recover minimally sector.

The trouble is that Japan in the early nineties was hit by a financial crisis and real estate and did not adjust the prices of their homes. Three decades later continues to seek a formula for ending the crisis.

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# 15, Anonymous

November 24, 2008, at 9:55.

Very good comments from people affected by the crisis:

http://www.euribor.com.es/2008/11/22/la-semana-en-el-blog/comment-page-2/ # comment-153088

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# 16, ICG

November 24, 2008, at 9:56.

Jajaja!

November 23, 2008, at 23:09.

...
Enculator ... ... ... ... .... read this:

http://www.elpais.com/articulo/semana/cosas/van/verdad/mal/elpepueconeg/20081123elpneglse_2/Tes

# 54, Anonymous

November 23, 2008, at 23:10.

...
Optimistic ... .. deceived !!!!!!!!

Read this:

http://www.elpais.com/articulo/semana/cosas/van/verdad/mal/elpepueconeg/20081123elpneglse_2/Tes

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# 17, V. Gerulaitis

November 24, 2008, at 9:56.

Hello.
I put pressure on my current box through one of these offers a well-known bank (and branches) to lower my differential and when it seemed that they were already prepared to do so, will the c # # b @ n's and the Euribor rose three tenths in a single day of the 5.1 to 5.4 (we all agree, right?), thereby sending adrift whole issue.
We try to come back next year (annual review) to see if I have more luck this time, because then I had to put yellow glasses.
I, personally, I would not trust such offers in which all the expenses resulting from the change of mortgage you pay for the new bank, although it is true, which I doubt, then it will pay commissions of the kind:
- By request status report.
- By updating the book.
- By stepping on the carpet in the entrance.
- By breathing the air of the branch.
- Etc.

However, there is no other choice but to dare, because you never know.

Salu2.
PS: Jo! We have won the Davis without Nadal. We throw it!

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# 18, McGiverGim

November 24, 2008, at 9:57.

I write first to say that I got this offer, but as my current mortgage is at +0.33 (ING) I have done with +0.30.

It is clear that if they want mortgages ...

I have not accepted because there is no data to give me: you are obligated to nominate a safe home with them, but do not say (or know) that if you do not get passes, penalties, etc..

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# 19, agg

November 24, 2008, at 9:57.

At the entrance to a bullring in a small town in the province of Madrid, long ago I read:

"Luck is just the meditated care of every detail."

What 'luck' was?, How gap of bullfighting or to life itself?

Greetings

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# 20, Copero

November 24, 2008, at 9:58.

The crisis can be seen in everything: in mortgages and mobile.

He said an example:

After two years under the yoke of Vodafone, and with a view to lowering the tariff teefónica, I contact customer service, requesting a revision of tariffs, it had concluded its commitment to stay, and since it is no longer included in my vodafone cost to the grant from the terminal, in anticipation of seeing something if I reduced the rate.

The response was limited: "We do not make cuts."

Faced with this response, my next suggestion was that he wanted to renew the motive: I referred to the points program (in this tropecientosmilpuntos you need to get a cellphone from the Stone Age by a paste).

Not content with either of the two options, gives me a card for trying those of 10 € for simyo: coverage was acceptable (for the net entertaining), with no commitment to stay, no minimum, no nothing, and 8 cents minute (between 0 and even simyos).

So I start the portability of this company (internet).

For the 20 minutes (not exaggerating) I get an sms vodafone for me to contact them urgently.

After explain my case, and that I have never returned any bill, and seeing the probability of losing a customer, as the yard, I offer an N95 and N81 for € 200, a discount of 30% of calls, and even a age girl deserves if it had requested.

Of course, this is not attributed to luck. But rather to the fact that they have paid religiously all my calls.

As well OriolRC said, is not a matter of luck and bad luck, because luck is a confluence of microfactores accidental, but the fact of having a credit quality, which in times of crisis is valued more than the total amount of an operation .

That is why to customers "sound" renew their mortgages with lower spreads, and were fighting the banks, and the most "dangerous" does not give them no water.

Sincerely yours.

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# 21, Julius Romo

November 24, 2008, at 10:04.

Well .... That is precisely what I was thinking I do, but is thinking of enlarge a month or two more ....

My situation. Flat bought in 2003 by 169,000. Mortgage granted in about 115,000 euros.

Taxation of the year 2005 to 300,000. I estimate that 220,000 would be the maximum that would have fallen.

Outstanding mortgage of 90,000 euros in capital.

Letters of 28.5% on wages.

Today, I have a mortgage bearable 600 € scarce, but I'm throwing accounts to me regarding the letter would drop by to change ....

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# 22, parking

November 24, 2008, at 10:10.

"Cullons" OriolC! or that I'd taken my example! I have exactly the quantity ordered (240,000 euros) in those years (30), signed just two months ahead of your comment (September 2003) and a review of IRPH + 0.15 (the equivalent, according to the time , A Euribor + 1). The only thing different is that when I asked the value of the mortgage and valuing was about 360,000 euros and now .... therefore no idea! But that calculation on 450,000! ... And I'm in that situation your comment! each day studying bids for change of mortgage! (in my case, being an open credit, do not leave me subrogation despite the new law and change my expenses will be nearly 6000 euros, but I hope that in only the first two years and I almost compensates for the change).
Indeed, the only thing I disagree is on the date of the change. Comment to do so between Dec. 21 and Jan. 20 to take the revision of the Euribor to be published in December and for November. I expect at least another month. As things are going, the Euribor November (calculated by half of the month) and closed at 4, 40 and about a closure of fencing to 4 months - during December may not get much closer to the Euribor, but it falls short is only possible for closure in December to 3.9 or 4 and this differential is very juicy and certainly compensates for the "Pring" another month with the former interest.
Only one other things, you have not wanted to publish the tender to which it referred, but I think it would help us all if we were hanging pretty good offers from subrogation to find.

a greeting,

Parking

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# 23, einpibo74

November 24, 2008, at 10:11.

Good morning, and thank you for information so enormously helpful if you can offer a daily basis. I understand better among other aspects surrounding the crisis and the mortgage, I have read about characters and events very interesting, and I discovered that I am a "ninja" jejeje.
I have a simple question (I hope not "stupid"), regarding article today: if in the next revision of the example you have to Dec 2009, the Euribor was located again in 3715%, as December-2006, the quota would be back at 1182.12, even a little lower during those years by having something amortized capital? My belief is that if, but I confirmareis or corrigireis me. A greeting.

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# 24, Randy

November 24, 2008, at 10:12.

Hello:

I am one of those affected by reviewing mortgage averaged Euribor in the month of September, 5.38% + chg.

Someone could tell the bank that makes such an offer.

Thank you.

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# 25, Libor

November 24, 2008, at 10:13.

Carlos, it would be interesting to have a graph of Libor of major currencies that are made with mortgages multicurrency, is not whether or not it will be easy to say ...

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# 26, Pablo

November 24, 2008, at 10:13.

According to an opinion ... is the downward trend of the Euribor, maybe we are not interested in reviewing the Euribor November. If lower rates again in December, say 0.75, that could lower the Euribor 0.75 and stay around 3.3 in January. Do we regret having re-examined in November rather than January? The same for the March (which I reviewed my) is still lower ...

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# 27, Ex-pañoleitor

November 24, 2008, at 10:15.

Only a small point: The character of Arus was "Pepe Gáfez" with Z zp.

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# 28, Solbes ruin zp unions

November 24, 2008, at 10:16.

ibanesto.com you pay the expenses and is eu +0.38
This must be the bank
malosolo good or if you know what come to be suffering

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# 29, Anonymous

November 24, 2008, at 10:17.

I do not know you but I do not think that would give me a new mortgage in the event that I would change. Meet all requirements, but to raise the Euribor I have over 40% of my salary.

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# 30, erg

November 24, 2008, at 10:17.

Good morning,

As of mobile and internet is a jamboree going. I read here that if you were to phone you could call for lowering the adsl. I pabaga 40 euros ivas and more were coming. Checked, I say that I am going to give me down low and the price of 30 euros.

Mobile phone, points program or coña to switch mobile and having called many times, I switch to Orange tired of not being able to renew the cellphone and when they will make the portability forces called me and offered me free mobile phone that I would to take the Orange or even better, I was the body that we are the operator did not know the talk that he was coming over.

This is not a matter of luck, it's just that they are all about impresentables.

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# 31, Rosa

November 24, 2008, at 10:17.

Hello to all sexes ..
I am reading your comments and I'm all for echarme to mourn ..
We are doing a house and since we invested 90,000 Euros from our ahorritos. We lack so many others to finish it and here come the problems:
The self is the black sheep of the family of the mortgages, that is the worst treated.
We offered good terms with the mortgage cajasur lightweight but now that has fallen Euribor .. We have hardened ..
Someone knows what the best bank deals autopromotores? Help please ..

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# 32, oioh

November 24, 2008, at 10:19.

# 22, parking

Good morning, just in case you're interested if ING does subrogation of credit open. I did this year and expenditures were much less.

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# 33, Solbes unions ruin zp

November 24, 2008, at 10:19.

when you get off the Euribor, and not exceed that percentage.

cajamadrid is a eu +0.25 for customers with 3 years or more mortgage. q guess with insurance, etc.

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# 34, Frank

November 24, 2008, at 10:22.

The same body that has clopez, is the same in which about a year ago or a little less identical proposal made me (in his day was a differential of +0.35% which is almost similar to that now offered). After making all possible operations and send all the required documentation, and in which I was told that everything was ok, I was giving them a little bit long, type: until next week can not come to the house because we are tallying all out the week, despuestde this: we can not sign up within 10 days because my wife is traveling abroad, etc., to be able to "choose" the Euribor me most interasaba (specifically the Euribor Dec-07 was 4793% and The January-08 was that it was going to end up in a value close to 4.5% (completed in 4498%). If I get delayed signing up to implement the Euribor January, would pay about $ 30 less in Each share (360 euros per year), and only that information which had wanted to carry it out. Finally my body made me a counteroffer equating the differential and signed the renewal, but they do not bear all the costs and write and I had to pay a notary. I told them then that does not match the offer but there was no way, because I said that the offer was over the amount, term and the differential so I had to pay script, but even so I came out very profitable change.
As clopez said, that is not luck but stay informed and act when interested.

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# 35, Amparo

November 24, 2008, at 10:23.

Good!

The truth is that it seems to me a very good offer, especially because the bank pays the costs of change ... I could say which bank is concerned?

Thank you very much

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# 36, Sofia

November 24, 2008, at 10:29.

Please ... what is that entity of which you speak?

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# 37, Anonymous

November 24, 2008, at 10:30.

Mmm ... Although I do not know the figures that you have put to me are astronomical (IF ... is that is what we have) led day looking to do something because this year with a wonderful Pring 6.11 with a mortgage in 2005.
Fortunately or unfortunately I have an open mortgage with what I doubt any entity that wants to espouse. Teninendo in mind that every year I make early repayments by about 10% of the outstanding capital Do you suppose that I would play in the short term and to pass the revisions each semester?

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# 38, glory

November 24, 2008, at 10:31.

hello, my partner requested a mortgage of 100,000 € to 30 years, four years ago, supposedly the review at this time. He is very left of these things, and I'm catching up little by little with these issues but: I can explain exactly how the revision of a mortgage? What value is taken from the Euribor: daily or monthly average?

Anything that you can explain to me what connection you would appreciate.

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# 39, Solbes ruin zp unions

November 24, 2008, at 10:34.

# 28, Solbes ruin zp unions
ibanesto.com

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# 40, Anonymous

November 24, 2008, at 10:34.

# 35 and # 36

He will be the Bank Jones, no doubt.

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# 41, parking

November 24, 2008, at 10:35.

# 32, oioh

OIOH Thanks! Last year I toured almost all entities, and although many have told me that if they could open a credit that may in the end all I said no. At ING told me that it did but could not verify it because, in the end, they rejected my operation because, despite the fact that there was no problem with adjusting the value of the house (well above the quantity ordered) considered the amount of income it was just too much and I stayed with a desire to know whether or not already done so. IF you say you did it, I get a great joy! Within a few months, with the lowest Euribor and with the rise in salary in 2009, it will come back to try.
Only one thing, without change or subrogation term of years or quantity ordered, or could you modify any of the two aspects?

Gracias

parking

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# 42 , dalma

24 de Noviembre de 2008, a las 10:35.

#38, gloria

El euribor que se toma es la media mensual. Si se la revisan por estas fechas (en noviembre) dependiendo del dia de la firma de la hipoteca se le revisara con la ultima media del euribor publicada en el BOE. Si se la revisan al 30 de noviembre, probablemente se la revisaran con la media de septiembre, pero para estar segura tendras que leer las escrituras y si no, mejor vas al banco que te lo explicaran.

Un saludo

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# 43 , ruina solbes zp sindicatos

24 de Noviembre de 2008, a las 10:36.

leer la publicidad q hay en la pagina de clopez, se la han pagado para algo, no??. arriba hay un enlace.

ibanesto: Hipoteca AZUL
Cambia de hipoteca y de color: ibanesto.com Hipoteca AZUL +0,38%
http://www.ibanestocambiodehipoteca.com

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# 44 , cesar

24 de Noviembre de 2008, a las 10:38.

#33 ruina
yo de caja madrid no me fiaria mucho…..
te cuento hace 5 años cuando firme mi hipoteca 171000 euros
a 30 años euribor + 1.00% de diferencial en su dia una hipoteca buena
pero segun fuero n pasando los 2 primeros años empezaron a salir ofertas
realmente jugosas como la que estoy ahora en ibercaja con euribor + 0.40 de
diferencial ellos se ocuparon de todos los gastos de la subrogacion y si no mal
creo siguen haciendolo…..el caso es que les pedi a estos sinverguenzas de
caja madrid que me revisaran el diferencial en 2 ocasiones por escrito…el caso que entre pitos y flautas pasaban de nosotros(decian total si les estamos engañando pa que les vamos a revisar)gracias a que un dia fuimos a ibercaja y nos ofrecieron la hipoteca que tenemos ahora con ellos
bueno el caso que no nos hicieron ni caso…cuando fui a cancelar la cuenta
casi me echan a patadas como a un perro…palabras textuales del director del banco…no queremos volver a verles por aki nunca mas….eso les paso por querer engañar a gente por cierto al cancelar la cuenta me querian cobrar el 1% de gastos de cancelacion…cuando yo sabia que habia una ley que salio no se en que año el cual el gasto de cancelacion de cualquier hipoteca pasa de ser el 1% al 0.5% weno el caso que cuando saque todo el dinero y cancele la cuenta el pico que sobraba que eran 3 con algo de euros le coji al director y le dije:tome esto pa que se tome usted una tila y se calme un pokito que se acaba de quedar sin 3 hipotecas…(la mia y dos que tienen mis padres)el tio echo un zorro me solto esas palabras citadas antes…asi que cuando eres cliente muy buenos ojitos pero cuando te vas como perros….lo siento por todo el que tenga una hipoteca en caja madrid.por cierto acercaros a ibercaja y preguntyar por la subrogacion vuelvo a insistir que creo que siguen corriendo con los gastos de la subrrogacion y es euribor + 0,40%.
saludos y perdon por el ladrillo.

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# 45 , jon

24 de Noviembre de 2008, a las 10:38.

Hola,

El comentario de hoy parece que ha descrito mi caso, hipoteca de 178000 euros por pagar revisada el 30 de septiembre con una cuota anual de 1020 euros, el piso hoy en dia costara unos 250000 euros (71,2%). Osea, no me queda mas remedio que esperar 10 meses a la proxima revision, ponerme unas grandes gafas amarillas y decir: QUE MALA SUERTE!!!!

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# 46 , Anónimo

24 de Noviembre de 2008, a las 10:39.

gchgfhdf

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# 47 , gloria

24 de Noviembre de 2008, a las 10:42.

# 42 , dalma

el firmó las escrituras en mayo pero ponía algo así como que la cuota a pagar era X hasta el 24 de noviembre, que por lo que puede entender era cuando se lo revisaban. Enonces, ¿no se toma la media de este mes? Que decepción… jeje

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# 48 , sag39

24 de Noviembre de 2008, a las 10:42.

Porra para hoy 4,095

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# 49 , Txus

24 de Noviembre de 2008, a las 10:44.

A que llaman “hipoteca abierta?”
Gracias

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# 50 , betonick

24 de Noviembre de 2008, a las 10:45.

Buenos días, como ya os comenté a finales del mes pasado me despidieron del concesionario en el que trabajaba (En mi caso QUE BUENA SUERTE !!! ya que me habían dejado de pagar comisiones desde Diciembre de 2.007 y por tanto ME DABA EXACTAMENTE IGUAL vender 0 coches que 6….y ante esa situación….lógicamente uno pasa bastante del tema).

Ahora estoy iniciando mi andadura en una compañía aseguradora y me doy cuenta de que el seguro de Hogar que tengo contratado con el banco (En mi caso el Sabadell) es carísimo por una doble vertiente:

- Porque es caro de por si (Me piden 191 € por algo que puedo conseguir por unos 80-90 €)
- Porque es caro porque solo me cubre el “CONTINENTE” (Una elección mía….seguramente desacertada….pero mia) mientras que en la entidad en la que me incorporo me cubre “CONTENIDO” y bastantes otras ventajas más por unos 150 €.

Mi consulta al foro es:

¿Alguien ha cambiado su seguro de hogar recientemente?

En el folleto del Sabadell ponen que tienes que avisar con 2 meses de antelación para cambiar…aunque parece ser que eso no es excesivo problema.

Lo que veo más problemático es que estuve en la oficina de mi banco y al quejarme de que era un seguro de hogar caro me dicen que si lo quito me suben 0,5% el diferencial (Sería 0,50 que ya tengo + otro 0,50 = 1 punto).

Me he re-leido las escrituras de la vivienda y no veo por ninguna parte que diga que esté obligado a mantener mi seguro con ellos.

¿Alguien domina estos aspectos?

Gracias por anticipado ;-)

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