Mortgage multicurrency

Visit the new forum on the mortgage multicurrency.

Important: The really interesting part of this press release is on user feedback, Take it easy, because they are more of them in 1000 and there are very good speeches.

It is a rather special type of mortgage and complex as it is done in foreign currency which allows us to take advantage of low interest rates prevailing in that moment in the markets of the respective countries, as well as the weak exchange rate of the currency in question.

By contrast, too, has a high risk of changes in trend revaloricen currency and convert our debt, to change, much larger. Normally, the credit or loan is made with multi-currency and stable interest rates bajos.Por example, Japanese Yen, Swiss Franc, U.S. dollar, Australian dollar, New Zealand U.S. dollars, pound sterling, including a part in euros. This will spread the risks among the currencies in the event that any movement would have a negative anyway, you can take out insurance on the exchange rate risk, although the cost of this insurance is to reduce substantially the advantages associated with the differentials in interest rates.

This mortgage requires a deeper asesoriamento because there are many variables that come into play.
No doubt a risky bet at the same time interesting.

Pages: [1] 2 3 4 5 6 7 8 9 10 11 ... 40

1974 reviews

Are no longer allow further comment on this article, thanks for participating. Read comments left by other users below, or:

Pages: [1] 2 3 4 5 6 7 8 9 10 11 ... 40

# 1, Juan Manuel Carrasco

June 29, 2006, at 10:19.

Hi good afternoon. My name is Juan Manuel and the truth that I have very little concept of mortgage loans in foreign currency, so put me in contact with you to make me ayudéis or aconsejeis they do. I've heard that it is an art, to ask for a mortgage in currency extranejera, profitable but with some risk, because they apply to such mortgage, for example, Japanese Yen, in addition to govern for another interest rate unrelated to Euribor and lower, has a high economic return due to change in yen euros every three months to pay the annual four letters in this mortgage, which carries the other hand, in those moments, in which the price is at that time the currency in question, in which mainly the weak yen is more stable but more the Swiss franc but more expensive. You can also negotiate with the bank, which can not be any because they do not all give this kind of credit, annual changes in currency that can be made.

Well then the doubts I have and I would like, pudiérais sulocionarme:
1 - Is it really profitable?
2 - How the risk is as high as pint?
3 - What banks offer this type of operation?
4 - does it need to be above the "bag" each day to know the status of the accounts?
5 - Is an investment such as shares or on the contrary it is only a mortgage but in a different currency?

I really would be very grateful that I address these questions in deciding what to do with the burden of mortgage that I have now. My email is littlekayser@hotmail.com to get more directly in touch with me.

Thank you very much.

+151

# 2, Juan Rpdriguez

July 27, 2006, at 15:44.

Hi good afternoon. My name is John and I get in contact with you to make me ayudéis or aconsejeis they do. I've heard that it is an art, to ask for a mortgage in foreign currency, profitable but with some risk, because they apply to such mortgage, for example, Swiss franc, in addition to govern for another interest rate unrelated to Euribor and lower, has a high economic return due to change in euros francs each month to pay the annual letters in this hipoteca.Tambien I have spoken of the Japanese yen. You can also negotiate with the bank, which can not be any because they do not all give this kind of credit, annual changes in currency that can be realizar.He spoken with colleagues from Madrid and I discussed some specific conditions but at Bankinter going Balearics here in the same branch tell me they do not offer the same as in Madrid.
Well then the doubts I have and I would like, pudiérais solutions:
1 - Is it really profitable?
2 - How the risk is as high as pint?
3 - can I call myself Bakinter islands in the same conditions as in Madrid?
4 - does it need to be above the "bag" each day to know the status of the accounts?
5 - Is an investment such as shares or on the contrary it is only a mortgage but in a different currency?

I really would be very grateful that I address these questions in deciding what to do with the burden of mortgage that I have now. My email is escosura73@wanadoo.es to get more directly in touch with me.

Thank you very much.

# 3, pepe

August 15, 2006, at 17:22.

Like you, I am thinking of switching to a credit multidivisa.Creo that is interesting.
Once you talk to my bank, Bankinter, you comment that I was gone.
So see you in Barclais and others. A greeting.

My email is ppgnavarro@terra.es

+13

# 4, Juan

Aug 18 2006, at 6:06.

Hello, I'm John and I am also interested in the mortgage market, I think it is worth, because the prices that are very high compared to salaries.
I identificao with the presentation of Juan Rodriguez and doubts, I would greatly appreciate if pudieseis clarify their doubts. Add another one, what other varieties of mortgages are on the market?, Because until recently this was totally unknown to me, and if I did not go well with others. I'm a neophyte at this, as can be.
Thank you very much. My email is sustos77@hotmail.com

+13

# 5, Eli

September 1, 2006, at 6:09.

Hello, I'm Eli and the rest as I am interested in knowing how it works, I have been informed to see that the mortgage is multicurrency and attacked me several questions. What banks offer this hip. Does the tracking of your hip. you can do or need someone to take you? What is requested as a normal mortgage? No one has offered me the ...

Anyway I hope you can help us, greetings and thanks

+20

# 6, clopez

September 1, 2006, at 6:12.

Recall that it is an interesting option, but with enough risks, because the exchange rates of currencies.

+12

# 7, dove

September 5, 2006, at 6:25.

Hello,
I'm seriously thinking about changing my mortgage to a multi-type and I would like to know what the banks offer (and in the case recommended that one of them is).
Thank you very much

+50

# 8, CHARI

September 6, 2006, at 10:40.

I ALSO THOUGHT OF THIS AND MAKE A Multi-MORTGAGE AND ME ME IF YOU HAVE SAID THAT MUCH raise the interest rate CAN GO BACK TO THE EURO

# 9, BEGOÑA

September 13, 2006, at 6:21.

HELLO:
OS said that he did not eat DEJO OF CHANGE IS IN THE HEAD OR NO. IS THERE ANYONE YOU HAVE THE MORTGAGE AND Multi're happy? A MI ME THE OFFER WITH THE JAPANESE YEN. RELIABLE IS A LONG TERM?
THANKS

+44

# 10, lluis

September 15, 2006, at 15:50.

I have a loan in yen and the bank with which I got a lot of medals security, and in one month I have saved 11 euros and I see that every day is better

# 11, lluis

September 15, 2006, at 15:53.

and besides I have the opportunity to poderme switch to any of the world ilcluso currency to the euro at no charge, and the bank has told me that on the day preceding the expiration of my mortgage if you advise me to change

# 12, BEGOÑA

September 28, 2006, at 8:53.

lluis porphyry, send me my mail in which bank you've done. I urgently.

# 13, BEGOÑA

September 28, 2006, at 8:53.

is menaka76@hotmail.com. Telling banks to do this kind of mortgage What is me is very urgent.

# 14, john martin

September 30, 2006, at 1:48.

GREAT care, the hard-to 2 Pelas, and the changes sabeis.ver euro currency against a reference period of 10 years or more, I mean the historical, not current you say, that well-paid almost half, and spent 2 years may need to double or more 50% or 30% or just the opposite, it takes a lot of culture finaciera and the other as I am concerned the whole world, but be realistic, historical curves in http://www.brokerhipotecario .com / html / multi-cen.php
any info that I will be welcome in East mariales@telefonica.net

# 15, daniel gijon

Oct 9 2006, at 7:21.

Hi I'm dani. I have commented on the multi mortgages, in particular with the yen.Se that there are more, but this is desconozco.Se that comes to mind in comparison with the euro, but not the risks if there are any that go far interests, if you can switch to the euro again, if it comes to the expenditure account etc ... .. and please that these banks are mortgages.

-3

# 16, Manu

October 10, 2006, at 11:25.

I assure you that so far, the mortgage and multicurrency works very well. Revisions are made monthly, and as you say, if it gets ugly thing, you go to Euribor ... is not logically + 0.40 ... is more or less + 1. It has a number of advantages that convince, I have several acquaintances who started this long ago supercontentos and are, and I, therefore, for the moment, like them. I'm saving a monthly dough. Calculator that for a mortgage of 26 kilos, was paying more or less 640 € last year, did not correspond to that, but I have to pay 500 + or - may number in 12-15 € up / down from month to month But in the life of the loan, leaving 27 years to pay, saving me almost 10 kilos ... it is said that soon ... in addition to amortize capital more interest from the beginning, so if something much darker, you can negotiate with other mortgage bank, that what you've saved, you can not afford to lose and fixed, as well as estimates ranging economic East, it seems that the yen will not undergo major changes, only advisable at this moment that we wait a little bit , You are not going to be that colgaos North Korea, after having made his pruebita nuclear, given by pointing to Japan, one of its objectives, also is considered very unlikely.
A greeting

# 17, jesus

October 11, 2006, at 9:16.

because I'm like you, lluis Pass in the bank because you have it in me I'm looking at the commission charged by the change, my emalil is jhidalgo30@hotmail.com
a salute to all

# 18, Paloma

October 11, 2006, at 10:36.

I would just like I was informed that banks, apart from Bankinter, which are currently offering mortgage multicurrency.

Thank you very much.

# 19, the Yen to power

October 13, 2006, at 12:05.

The best bank for a loan multicurrency BANKINTER is in my opinion, with conditions really attractive because it offers monthly Euribor + 0.45% `(in the case of euros) and Libor + 1% (for other currencies), you can save with a mortgage average 180,000 euros, about 80 euros if it is done in some 220 Swiss francs and euros if it is done in Yen.
For q Have doubts, I advise you to go to BANKINTER, although these conditions may not be the same according to the office to which they refer.

# 20, Antonio Fernando Vicent

October 14, 2006, at 17:29.

Good night,

I have had a multicurrency in the CAM. I left quite well and now I'm thinking of having it again.
If I had taken advantage of the movements of the different currencies surely I would have saved more than 10% of the capital. At that time it was little more Pardillo now.
It seems to me that now is a good time to do it, though rising interest in the case of the Yen.

afvr@telefonica.net

Well, if you have any questions you can contact me via correol.
Saluti
Antonio

# 21, July

October 19, 2006, at 12:16.

Barclais mortgage is multi?
That aconsejais in Bankinter, Japanese or Swiss currency?
It's good to hire a broker?

# 22, Mortgage

October 20, 2006, at 8:47.

In the last year, because of the rise that has taken the Euribor has been observed an increase in demand for multicurrency loans, but has also increased the number of people who contracted it without being aware of what they actually are hiring. I hope that these few lines will help to better understand what this type of loan.

What is a multicurrency loan?

At the time of hiring a mortgage interest are all accustomed to the conditions that we offer different financial institutions: official opening, cancellation and differential to be applied. Usually the difference is that it applies Euribor (Euribor + 0.60 for example), as our mortgage is up in euros.

In contrast, in a multicurrency mortgage, our mortgage is founded in a currency other than the euro (eg Japanese yen), so the benchmark index will not be the Euribor, but the libor. The LIBOR (or London Interbank Offered Rate) is the interest rate on the London market, which banks lend money to each other.

The libor, like the Euribor, has a value and a range of fluctuation depending on the currency in which is our mortgage. As an example I can comment that the current yen libor is about a 0, 47, the libor Swiss franc to a 1.83 to 3.70 and the Euribor.

We must distinguish between mortgages and mortgage multicurrency foreign exchange, because in the first mode we do not have the possibility to change the currency regularly and without charge, only allows foreign exchange if we cancel and we formed a new mortgage, but the change acknowledges multicurrency mortgage of one currency to another at regular intervals (usually every 3 months) without charge.

Advantages and disadvantages of the loan multicurrency

There is no doubt that the main advantage of this product is to pay less interest on our mortgage (depending on the currency you might choose to pay less than half of interests), but we must realize that it is not all that glitters gold, and it has several drawbacks to consider.

The risks in a mortgage in euros are already provided mainly by a rise in the benchmark index (Euribor), because if you raise a rise in the Euribor will have to pay our share (pay plus interest). In a multicurrency mortgage potential risks may come dice by a rise in the benchmark index (libor) or a rise of the currency in which we formed our mortgage against the euro.

Methods of risk control

There are different ways to have controlled the risk of our mortgage. The key is the ability to change every three months the currency in which we have formed our mortgage, so if we anticipate a significant increase in our currency against the euro or a rise in rates, as far we know that we will assume that the quarterly rise.

Another method is hiring a sure hand, what interests us only if we are convinced we want to change their currency and ensure the exchange rate prevailing at the date of hire insurance in anticipation of a possible rise before you can make that change .

Last but not least, we recommend that you open an account to maintain a multi-currency stock bought at a good price. It's better to know the price at which we bought the currency in advance to quarter to quarter our organization we buy at the price at which they are at that time.

The most important thing ultimately is to follow in order not to have surprises, as one might say that such mortgages are dynamic and thus the share payable quarterly will always be different.

Who can hire a multicurrency loan?

A priori, any person who does not need to fund more than 80% of the value of adjusting its housing (purchase and refinancing) can formalize a multicurrency loan, but we must bear in mind that it is a product with some ups and some complexity, so that is recommended for people who have some financial culture and who are perfectly capable of understanding the operation.

On the other hand it is advisable for people of a certain purchasing power, since one of the advantages is having the ability to make partial repayments drawing a hypothetical drop in the exchange rate of the currency against the euro.

+36

# 23, Alan

October 20, 2006, at 12:49.

Hello everybody, working in Bankinter as financial agent and I specialized in multi mortgage, my tef is 607734073, we give very good condition

# 24, Raquel G.

October 22, 2006, at 12:19.

Hello everybody,
I'm about to hire a Multi with Bankinter. But this bank does not offer service mentorship. If you know of any that are hiring puedea apart from the mortgage, you would appreciate very much what I indicated. Mirandagimeno@hotmail.com
Thank you

# 25, Jose Antonio

October 24, 2006, at 5:35.

Banco Sabadell also offers this type of mortgage multicurrency.
Someone could learn about the mentoring service and if you have any cost? If currency exchange, what is the difference for each of them?
A part of Bankinter and Sabadell-Atlantic know more entities that offer this product?
Thanks for your help.

# 26, Carlos Adviser Alijarde

October 24, 2006, at 8:33.

Hey, I get one of these multi mortgages, but I have my doubts, like todos.Agradeceria someone to contact me through the correo.Muchas gracias.ConsejeroAC @ globalum.com.

# 27, ferran ering

October 24, 2006, at 11:42.

This type of mortgages are highly dangerous if you do not have knowledge about the historical interest rates and exchange rates of the currency in question, we must have a financial culture and track daily, council did not choose a currency devalued quite but if it is decided by one is better or the Swedish krona Estonian changes that are fixed to the euro as it offers more stability and very low interest rates, the yen because this is very devalued the lowest in the roof Quotation of its last years, if I had a strong appreciation of a day for another serious total ruin, and unpleasant surprises occurred with the yen in the past may be repeated in the future, the more stable is the Swiss franc

# 28, multicurrency

Nov 2 2006, at 23:31.

Work in Madrid in an entity that makes loans multidivsa if you want information

+25

# 29, RAFITA

Nov 4 2006, at 12:39.

Does anyone know the prevision of the exchange rates of the yen and Swiss franc against the euro for the coming months?, Because if I am not misinformed, although the euro will continue revalued, the yen will do well, and the Swiss franc tends go more or less parallel to the euro, while the euro is now the most that has risen in value in relation to other currencies do not know if this will continue for a while, or on the contrary, the euro will slow his rise and lose value with regard to these two currencies. This information is essential for those who are thinking about making a mortgage Multi and we have not even decided on the currency. Do you have information of what someone will make these currencies in the coming months?

# 30, Spud

November 6, 2006, at 3:29.

I will give my views on the real risk of his mortgage, which is that it could not raise the interest rate of the currency copntratada since in that case is changed and currency losses are minimal ... The real risk is that revalorice was suddenly contracted the currency because then we are no longer serves changing money, I mean if contratatas mortgage in yen and 140 yen to the change equals one euro (more or less well sta n present) and the yen Stick on a significant increase or lower the euro .. we are put into 100 yen for a euro mortgage nuentras ... if it were to move to 300,000 euros 400,000 euros duty ... sixteen million plus debt ... this is the real risk of another ... Part sq can also move the other way around ..

# 31, saida

November 6, 2006, at 9:42.

Spud because you do not understand, because if that currency rises you switch to another, so it is a multi mortgage because you can change currency monthly or quarterly basis as agreed with the bank.

# 32, Lukas

November 7, 2006, at 16:47.

Hello everybody,
'm Looking at the H. Multi with Banco Popular, I have explained the risks and understand as explained Spud, but my question is, if the currency exchange can be done monthly, is it possible that a currency (in this case yen) is made as strong from day to day?
Mortgage suggest an H. Multicurrency Swiss francs or yen?
thanks

# 33, Angel

November 9, 2006, at 12:45.

I would appreciate if someone could confirm the price of money in Sweden, Estonia.
I personally think that the more advisable it is the currency of Sweden, for its stability and I have my doubts about the Estonian kroon, for that one day you can say it is devalued by 10% or it would be wonderful to be revalued by 10 % Who would be catastrophic, even if you change fixed to the euro.

-1

# 34, MANUEL

November 11, 2006, at 3:06.

I'd like to know which branch could be in Seville for a personalized info, and I need to change my mortgage to Multi.
Thank you all .-

-2

# 35, Jorge

November 11, 2006, at 9:58.

Spud what he says is simple, it is simply a rule which we tres.pongamos to hire a hip. multidiv. for an amount of 160,000 euros to 360 months (30 years), and opted for the Japanese Yen, (that within the recommended for its stability is the one that handles a lower Libor) the first thing is to convert debt into yen (that we will tell the bank to opt for another currency), knowing that the day when we signed our hip. The value of the euro equals 150 yen eg so our hip. of 160,000 euros will be transformed into 24 million yen.
Now you pay your share the euro, that you do not clear cobras yen, so we'll have to calculate how many euros you need to go quitándote your monthly letter. So divide your debts that are 360 months between 24000000 yen (66,667 yen / month) and Transform into euros.
If the bank gives you review your hip. monthly'll have to watch what amounts to one euro in yen at the time it reaches your monthly payment, or if the signatures hip today. and contracts worth 1 euro = 150 yen, on the 11th of next month you've got to check how many yen for one euro.
Thus if the next month, one euro is worth 152 yen your hip. You leave cheaper because you know you like your euro yen which covers over the previous month so you share that cost less euros.
But if the yen is at 148 to change for one euro, will pay more this month. Easy, no?
To all this, the monthly amount that makes you the bank to transform the euro with the yen to pay, which is 2 per thousand for each share of the capital, which is charged every month and also the principle by signing the hip . because you change your debt to another currency.
Hence the risks of starting this kind of mortgage, there is more clear.

+11

# 36, Jorge

November 11, 2006, at 10:32.

Saida, I'm not any broker or work in banks or anything like that, what happens to all of the forum, I've been asking ere and there and I will tell you that it is not so simple, because in reality to change currency You have to look at various things, for example, keep in mind that whenever you change your currency if you can stay the same throughout the life of the loan will pay a commission which comes to be 2 per thousand (that is negotiable but do not know whether I get it no). that is, each month on your monthly charge that you pay in euros for a debt in yen (or other currency you choose), then you have to see how much is costing you your monthly mortgage, because if your monthly fee you are going out more face when it signed (which will always be the reference to take into account) means that your mortgage is no longer eg 150,000 euros but for perhaps a 155,000 or 159,500 euros (depending on what your currency is worth a day's membership fee)
Here already have two problems that go hand in hand, because what you're losing money to the commission by switching to another currency and whether contrast brings you the difference.
Of course you should switch to a currency better than that if you want to pay less.
The only profitable option to return to the euro p. ej. is that your multicurrency mortgage is costing you less than you originally hired to do, so you take a lower debt, or that interest rates in Europe are placed below what you have in your multicurrency (and This comes to be the closest thing to Rocky XXIII)

# 37, Jose

November 14, 2006, at 9:58.

Good, wearing a months studying the issue, but I found some details to consider, in addition to the above and commented:

- The spread of the change being implemented by the entity, as in the case that we get out of the coin, this is a cost we have to assume

- The prospects of the macro growth of the geographic areas associated with the coins. In http://www.imf.org and http://www.oecd.org you can find free professional publications, with self-image. It should be borne in mind that, in the long run and a mortgage in 30 years it is, in economic zones, with inflation contained, the differences in GDP growth marked variations in exchange rates

- Basic technical analysis (resistance and supports historical horizontal)

- Learn, learn, and learn, although it is a neophyte in the field. A multicurrency mortgage is extremely risky and may be similar to playing with currency futures by putting the house as collateral

- I find it quite sensible comment from Ferran (# 30). Also I think for a resident in Spain, the best balance between benefit and risk it offers the CHF, but we must have the mind that is at once a safe haven currency. The attack of 11-S appreciated substantially the CHF by 6% in 10 days

a greeting
pepeperez129@hotmail.com

# 38, clopez

November 14, 2006, at 10:13.

Jose thank you very much for your feedback.
It is by no means a simple issue ....

# 39, Angel

November 14, 2006, at 15:09.

only an assessment. I hope your comments
change = krone Estonian fixed to the euro since 01/01/2002
1 euro = 15.9630 Estonian kroons
http://europa.eu/scadplus/leg/es/lvb/l25082.htm
http://www.ecb.int/bc/intro/html/map.es.html

Possibility that we have that the Estonian currency appreciation?

Interest rates 3-month libor 0.09

the problem of rates is the least traumatic because we changed our currency and only time we experienced a very small, so the damage is little.

Entities know that working with this currency differential and implement an acceptable ??????

# 40, Ferran ering

November 16, 2006, at 7:24.

Have ever thought in the Cyprus pound 3-month libor with more or less as the Estonian kroon, as it is a currency that is very revalued thus assume a debt to pay a lower number to the change in euros, and if devaluation have diminished significantly the debt, make a mortgage Multi yen is currently a suicide, we may hire a multicurrency mortgage and stay with the euro or any European currency tied to the euro as the Danish krone, Swedish or Latvian, and then wait some años ha que cambie la tendencia del dolar y cuando este muy alto y con tipos de interes muy bajos pasarnos a dicha moneda, con lo cual actuariamos con inteligencia viendo las tendencias de las divisas en los mercados internacionales, porque sinó es como jugar al poker y apostarlo todo a una sola carta.

# 41 , José M

17 de Noviembre de 2006, a las 12:49.

Muy interesante todo.
Yo entre este mes y el siguiente probablemente subrogaré y ampliaré ligeramente mi hipoteca a una multidivisa de Bankinter, unos 90.000€ a 12 años.
Hemos echado números y ahorraremos unos 12.000 €.
Lo que hasta ahora no he conseguido que me desglosen de forma concisa son los gastos que acarrea la subrogación, en la entidad me dicen que son aproximadamente unos 3.000 €, pero no sé, no acabo de verlo, en fin, antes de firmar habrá que estudiarlo bien.
Ahora bien, no entiendo el comentario de Ferran rario de que hacerla en Yenes es un suicidio, podrías explicar por qué, siempre teniendo en cuenta la posibilidad del cambio de divisa, claro. Es que no acabo de comprenderlo.
Un saludo.

-1

# 42 , natalie c

18 de Noviembre de 2006, a las 7:50.

hola a todos. ESta es la primera vez que me he querido informar sobre las hipotecas multidivisas y me habéis servido de mucha ayuda…me gustaria saber a que oficina de bankinter en madrid podría acudir a informarme

-2

# 43 , Carlos

18 de Noviembre de 2006, a las 18:33.

Hola¡ Solo conocía este tipo de hipotecas de lejos, me parece un tema interesante. Por lo que he leido en internet, parece que el LIBOR no es un tema úrgente, es decir, es de cambio lento, suficientemente lento para cambiar de divisa si se precisa cada 2-3 o 6 meses según los bancos, lo que no entiendo muy bien es como afecta la apreciación de la divisa, cuando se aprecia necesitamos más euros para pagar la misma cuota de hipoteca, este es el problema, una gran apreciación de la divisa o depreciación del euro por ejemplo por un coflicto internacional nos pondría entre la espada y la pared, si realmente solo podemos cambiar de divisa en el intervalo de 2-3 meses significa que durante ese tiempo estamos expuesto a lo que ocurra.
En definitiva, si esto es así, parece una hipoteca “demasiado arriesgada” . Si tuvieramos forma de cambiar de divisa en dias bastaría con entrar en internet todas las mañanas para confirmar los datos divisa-euro. ¿Como es realmente?
Un saludo.

# 44 , Miguel

19 de Noviembre de 2006, a las 14:02.

Yo tengo una hipoteca multidivisas con Bankinter desde hace 8 años (la hice a 20 años). Como alguien ha dicho por ahi el riesgo de este tipo de hipoteca es la fluctuación de moneda que puede ser buena o mala. Por ejemplo, cuando yo la hice no era buen momento relativo porque el yen estaba relativamente bajo (a 137 yen/euro) y llego a estar a 90 yen/euro. Durante ese tiempo obviamente yo debía bastante más y pague mas cuota aunque teniendo en cuenta que el interes que yo tenia era libor + 0,75 pues tampoco fue un desastre. Dando datos os cuento que el primer mes yo pague 82.000 pesetas y hubo meses que llegue a pagar casi ciento quince mil.

Ahora sin embargo con el cambio en 151 es al reves. Podriamos decir que debo un 10% menos. Ahora mi cuota es de unos 450 euros. Más 15 euros mensuales por cambio de moneda.

Aunque ahora no es el mejor momento para hacerla en yenes (está historicamente bajo) yo si la recomiendo y hay una cuestión que no he visto en los demás comentarios y para mi es importante: Al disponer de un interes más bajo (a mi el TAE medio se me situa en el 0,89%) la amortización de capital es mucho más rápida con lo que si deseas amortizar anticipadamente el resultado es que has pagado menos intereses.

Eso si, olvidaros de hacerlo en divisas “locas”. Aparte de que en muchas divisas ni te dejan. Yo quise aprovechar la inminente devaluación del peso argentino y me dijeron que no me dejaba pasarlo a divisa no convertible.

saludos a todos

# 45 , FRANCISCO

20 de Noviembre de 2006, a las 15:45.

HOLA A TODOS SOY AGENTE BANCARIO Y FORMALIZO PRESTAMOS MULTIDIVISA, ADEMAS OFRECEMOS EL SERVICIO DE ASESORAMIENTO Y TUTELAJE DEL PRESTAMO DURANTE SU DURACION. MI TELEFONO DE CONTACTO ES EL 691 307 639 FRANCISCO. UN SALUDO

-3

# 46 , julian

21 de Noviembre de 2006, a las 13:22.

Hola,
yo también deseo cambiar mi hipoteca a multidivisa.Acepto ofertas y sugerenciaspara la contratación de la hipoteca de 180.000 E.
Mi email.catipoga@hotmail.com .

Gracias anticipadas.

# 47 , Helga

22 de Noviembre de 2006, a las 3:55.

Hola, estoy gestionando condiciones para constituir una hipoteca en multidivisas, la verdad es que no tengo mucha idea.Las condiciones que me ofrecen para 155.000 euros son las siguientes:
Comision de apertura 1.5%
Libor + 1%
Euribor +1%
Comision amortización parcial 1%
Comisión cancelación 1%
Cambio trimestral a otra moneda gratuito

“Por favor” a ver si alguien que conozca bien este producto, me puede asesorar si estás condiciones son buenas ó malas.
Tengo unos días para dar la confirmación.
Si sabeis de alguna entidad que las tiene mejores por favor decidme cuales son.

Muchas gracias.Mi correo helyre@hotmail.com

# 48 , jaui

22 de Noviembre de 2006, a las 5:04.

Tambien estoy interesado en un credito multidivisa inminente. La cantidad 360.000 a 28 años

# 49 , jaui

22 de Noviembre de 2006, a las 5:07.

Por cierto, las condiciones de libor +1 y euribor+1 , cancelacion parcial 1%, cancelacion total1% …me parecen simplemente abusivas

# 50 , luis

22 de Noviembre de 2006, a las 8:30.

Una buena estrategia si dispones de capital seria meterte en hipoteca multidivisa por el maximo que te dejen en yenes que a muy corto plazo se espera devaluacion, esperas un poquito a que pierda valor y luego haces cancelacion parcial -siempre que tengas comision 0- con tus euros que tenias ahorrados. Como al principio se paga fundamentalmente intereses al hacer cancelacion parcial te quedas en una posicion bastante ventajosa. Es una pregunta que se me ha ocurrido? Algun experto que pueda responder? Me interesaria saber ademas quienes hacen hipotecas multidivisa en coronas estonas que tienen cambio fijo con euro hasta enero 2008. Gracias,
Luis

-3