Multicurrency mortgage (IV)

Inaugurated the fourth thread!

Caisse, what was your signature?

As fear and above all, how this has been stirred. Not that we were talking about H. Multi man ... ....
Well that you are already Multihipotecados trankilos that these are foreign exchange, and we are going to come, enterémonos of this before, as well say "wise men" if you can pay in € there will be no problem.
I will sign shortly, I have approved the transactions, only I were the last to squeeze the heads of Bankinter and / or Barclays, the first is my Hipobanco and the second could be my Multidibanco. BK makes me if I stay Novation, of course, if not, I'm going to Barclays. Best regards and "relax relax"

Hello everybody, I'm multidivisero, and is not, he Notary has given me Congratulations, will be for something.
The change has been to 157.14 yen per euro, and type 1.58, quarterly libor (0.88) plus 0.70 differential, this is for special conditions of bank Montepio valence with my business, but dealing lynxai , Go from Salvador de Iberia or put me an email and kedamos.
The truth, I am happy and especially trankilo, aunke change, when I gave the order was more favorable, but ... ..
Ah, I charged only 0.50 openness, there is included all, I kerian added 0.20, but I said Nanai and k have swallowed, or of fixing or na na.
As such, fucking (having mortgage) but happy, XK 300,000 instead of paying their interest, for the moment to pay about 70,000 over the life of my credit.
S2 and health for all.

Congratulations and my sincere condolences (all at once) jaja.
You then write a mail when you have a little more time, while enjoying your new acostumbrándote burden and go to it.
Indeed, right now should already signed less than when
A greeting.

Hello, everyone seems that this thing Pelin a more quiet, I wanted to ask if someone is with Deutsche Bank've been there and these are the conditions differential 0.85, libor Quarterly, 4 changes a year, costing insurance change what I was going to ask , 0.50 commission opening, 0.1 commission of change and I do not think I forgot anything. Most of all if someone has a mortgage with them or you have offered other conditions to tighten further if necessary.
Thank you all.

Hello everybody, but I write a few days ago I remained attentive to the markets and of course your comments (a lack of time I printed 25 pages of messages, jeje)

First, to say that I totally agree with who said that everyone is free to write here or not ... I got a little Willy just in case we read it and picaba "urgando on his conscience," but that nobody bother me, him and all of you very much respect, the people who inhabit this forum is very VERY LARGE. Da taste, all support, education, and respect.

I am surprised that you have not yet commented on the news of the day: "Societe Generale reveals a hole of 5.000 million caused by a 'broker' rookie," "An operator infidel causing a hole of 5.000 million a second bank of France", "A ' broker 'French commits the largest bank fraud in history, "a broker for 30 years caused the big' crack 'stock swindle to the Societe Generale" which has obviously affected the currency this week. Is concerned that, in # 999 Anonymous on 23 January 2008, at 15:12.

The inverse relationship yen (including CHF)> bags is becoming increasingly evident.

Finally, what about the clause of 10%, I quite agree with what you say, is that they were difficult to implement, but it is signed it signed. And now that the Bank fastidiaría me I touched noses with that theme. Who tells you that you were not trying to "get" a personal loan with succulent interests so that you can pay the amount you ask and well "muddle through" (which could mean really take you to ruin)?

Salu2 Forum.

Hello everybody, I am interested in the HMD for 4 months, live in Tenerife and I'd like it if someone who lives in the islands watching this or already has made his mortgage in multi because I read the conditions it has achieved, because seeing that you give yourselves on the peninsula, those are not very good akí he commented:
*** Deutsche bank: 30 years old, 0'75 + libor, opening 0.75, full and partial cancellation 0.5, I applied fixing the buyer-seller for the currency, four currency exchanges month (including the payment of share), so the changes monthly I was not very clear, but it does not matter, and 70% of valuation.
*** Catalunya: 30 years old, 0'75 and the Euribor libor + + 0'45, 0'8 opening, partial cancellation 0 and total 0.5 does not apply to me as fixing them, only the commission of a change of 3 per without at least a thousand, I can change your currency when you want, just that I have to notice 10 days prior to payment of the fee in this case is quarterly, they told me another 5% of capital, to enforce the mortgage and make a change to the euro, although they tell me that they are not going to do provided they continue to pay contributions.

Well this is the best thing I've found in Tenerife, please if someone has something better appreciate it and post it but I hope I have helped someone with the conditions I found.

Thank you very much and go on with the thread that helps a lot to choose with whom mortgaged in multicurrency.

For Hope ('re Cati?). I asked Deutsche conditions. I have to simulate but worse than in Bankinter (with them and I can not squeeze more ...). Send them the conditions that have given me to squeeze in Bankinter. The director (of new office, of course) charming. The condiones "EASUREMENT" to the MD are the best that I have achieved but that the conditions that gave me are not good: The exposed:

Maximum: 70% for house purchase.
Deadline: Maximum up to 30 years.
Interest rate first year: Libor / Eur (Currency - Deadline) + 0.75%
Annual review: Euribor / Libor (currency / time) + 0.75%.
Commission opening: 0.75% minimum 360 euros
Compensation withdrawal:
First 5 years of life of the loan: Partial: 0.50% Total: 0.50%
Rest period: Partial: 0.25% Total: 0.25%
Currency change: 0.15% (I think I said this but I am not sure)

I do not think I lowered the conditions. But if this me Differential lowered and the opening up too much I think (is that with this opening that damn nail). As to what Société I believe the "paint" this is a scapegoat and that what has happened is that with the subprime enfangao is up to the neck (already discussed this case back in August). What I have no idea what is the evolution of currencies (now the yen appreciated to 1.25%). It will be because of Soros? I do not understand anything. Indeed favos by anyone and that the branch has done what's sure hand with Bankinter? Contesteis you ask me because in my office tell me that Nanai (sounds like a roll but I was not as pressing) and the truth is that it is important. Saluuuuudos forum (incidentally 4 wire that is already in record).

If I'm still here Cati andurreando by banks, which offer rare that you Bankinter 0.75 here told me that much as the 0.90-negotiable and that it was coming order of Madrid, libor and 30 days, the truth that what they do gives the win. Neither Madrid nor naaaa.
A greeting to congratulate all Cassia.

Esperanza:
Everything is negotiable ... but that Madrid depends on the type of customer and the objectives of the office, we are now at the beginning of the year but it's a tough years for banks.
Luck and do not conform:
Daviz

good, I am gathering information for documents of the Multi mortgages, someone I could recommend Web info? ... by what I see and Bankinter barklays, no? greetings. I'm in London.

For Edu

I do not know what you mean about "web info" but if it is on whether the web of banks, you will not find anything.

But anything you need insurance that the forum will help you as much as possible.

"And the donkey in front to scare us":
mefagusarrobahotmail.com

A greeting

Agustí

Edu

to get started on this link:
http://www.megaupload.com/?d=5RN5LCZR
you can download a zip with a lot of information that we have been gathering among a few of this forum.

if it no longer works, ask a TAMA which is responsible for uploading to the network.
As Augustine said, at the webs of banks did not find anything.
Look at the zip and asked around here.

That if, Take it easy partner. Greetings

Catiiii! That so? I have no answer to my last post ... the conditions are not Bankinter (and those you sent). Son of Deutsche. If you think send yours to see that. Not told me in the mail I have sent the item as fixing commission or currency exchange or the subject of the famous insurance. Do you have said something about it?. A little something that I improve the conditions the same thing ... I do not know. For others with Bankinter please who does not have trouble recruiting tenidio what insurance change?. I have a controls that do not believe them. Another thing: as interesting findings of Davor (will see, we will see ...) as the yen hit a 130 (uffff). Greetings

What such Catiii going?. The conditions that I have outlined are not Bankinter (those sent to you but I've answered the mail). I of course do not be interested. Son of Deutsche. It has been ported by the Director of wonder and little to improve the conditions I do not know myself what I think about it .... It has not said anything in the mail that I sent them on fixing the commission for currency exchange or the famous insurance change. If you yourself have said something about this you ask me those sent If you do not mind.
Another thing to see if someone has with the Bnakinter and have enabled it's safe to say it's favor as he has done. I have so strained that it would not do for the blah, blah, blah ...
Interesting findings at the Conference of Davor. Not if you're going to be true to 130 yen (ufffff). For Edu quiet here that you miss a hand for what you need (now that you have a good time to read ...). Greetings to all (I hope it does not leave repeated).

Within a few months I will ask for a mortgage in multicurrency madrid.Queria know if I can move somewhere where I can get good bank condiciones.Saludos

They also offer multi Barclays and Banco Popular.

I think Barclays may be the best conditions for

Let's see where it is going to go ... the EUR / JPY?

Saludines

Good afternoon, first of all thank all the information I have learned thanks to you / as (especially Augustine, who laid a cable to me a couple of times), but took time reading the forum, I have just written a couple veces.Esta of time I do it to see distant views of what I'm going to do.

I have already approved the HMD and the day on February 4 sign (because I can not delay more) and what will I do with the Euro currency, is seen as the market, which seems to have no rumbo.Lo I'm going to do is wait, because according to Rumors are expected to rise in March, if so, then how can I change currency at the time when I will do paste this rise.

I hope explicado.Y having dieseis I would appreciate your opinion.

Thanks in advance.
Salu2222

Hello everyone

The truth is that I am very curious to see what will happen in the coming weeks as both the changes in the bags, because as he said NIN seems that the relationship between the evolution of the stock market and the yen (and CHF) is quite obvious. That is why we should be attentive to developments in order to gain experience.

Because unfortunately we do not have such a "crystal ball" for a science degree to know where they are going to go.

What if we can see is that in December the yen was at 166.22 a maximum closure (27th) and that so far in the month of January was the lowest of 153.50 on the day 23 (although in intraday has fallen more).
And so it relates to CHF in December had a maximum of 1.6683 the day 13 (27 almost made up as the yen at 1.6682) and in the month of January has had a minimal 1.5879 closing the day 23.

I now I will be patient and I will monitor this potential link-bags changes over the next few months and especially the last month of March is when it is carried out in the closing fiscal Japan.

Jesus I believe that all approaches are good if they are substantiated. If you think it is better to go into euros and wait for further revaluation does not know who can say otherwise.

You can help us with our own experiences in the MD, we can move tools, conditions, MD offices where they do, how we operate our mortgage, our institution ... but what I was I would never advise anyone to take in one or another currency or choose one or the other strategy, this is too personal and I think we should do it based on our "numbers".

What if I have clear is that I hope you get out your strategy as you say and you can take advantage as much as possible.

A greeting

Agustí

On the subject of the famous end of the year in Japan back in March, I've been looking for data and is not, but do not think this is clear that in March or necessarily appreciate the yen in March for that reason.

Let's see, in 2004 assessment from 135 to 126 on 14-03 on 13-014. Well.
In 2005 passage of 140 "the 30-12/2004" to 133 on 20/01/2005. After more or less flat until 07/02/05 to begin to "depreciate" over coming March to 140 on June 16 and ending at 138 31/03.

In 2006 fell to 143 19/02 to 139 on 26/02. Then raised to 141 the 09/03 to fall back to 137 on 15/03.

In 2007 the rise among the 159 sources of 26/02 to 151 05/03. The rest of March, was depreciating.

So much for those waiting to enter and for those who already have left and re is not easy to take the time.

The data are http://www.multihipoteca.com. I made some graphics excel in shame but that can not be inserted here. They turn to TAMA for the inclusion in the magaupload.

Greetings

For all, I think that despite the circular that talks about the commission's opening BDE, the fixing what we paid at all banks. I spoke with an employee of bank Bankinter made his HMD and besides commission charged him opening fixing of 1%. Therefore the commission of openness becomes the most was that 1% of fixing. Where if you can press is either in the commission of opening or if not cede to pressures on the reduction of fixing for the first change that is the most substantial. Salu2.

I say hello podriais financial institution that provides mortgage loans for improvements to day today? Salu222222

Calopez that you've done to this? Anyway. Batacazo at the start of the bags. In addition to the subprime and the ninjas must be added "Monoline" which are apparently those who have caused the crash on Monday to get off their "ratings". And he says that as there are some "hedge fund" with the subprime pringao we will see. The experts meeting at Davor (or Davos) do not agree. Soros (one of you Traders more "famous" as they exist today) said that the corrective to the global economy will be "órdago." Others say that this is a crisis over (neither better nor worse than others). Otrso economists, however, did not know from where the shots are going to go (never better economic orthodoxy). Anyway greetings to all .-

Hello everybody, adjusting spending after the signing.
K on the tax rate levied on unions legal documents.
S2.

Hello to everyone s
They are going to re-tighten the conditions for granting HMD.
In some institutions are reducing the percentage of value for taxation at 65% and in other eldiferencial are rising.
For that you have conditions and we are already failing to complete the sending of documents, send them as soon as possible.
For those who are yet to decide to give you a hurry because I do not know how long we are going to respect the conditions.
A greeting.

For JOSE8100

I'm with you that it is not easy to find the time to change currencies. This is an issue that we must "monitor" because we can "get their fingers."

Keep in mind the fixing, commissions, volatility, the difference in the rate of interest, depreciation, the new principal, the share ... are some points that must be taken into account, although it is clear that everyone must make the decision that creates more timely.

For the boss

As it is the "panorama" I think the problem is not just finding good conditions (which vary depending on each particular case) but also find an office where at least you can deal knowing what is going on the subject.
It is no secret that when you walk into an office not really know what you'll encounter and I believe that this really is the worst thing because if you read a few posts you'll see more of a forista desperate at the lack of knowledge of the people who are in charge of that office.

It is a matter of patience and arming of "kick" every office that you can in your area. However, we are the foristas that at any given time you can help at least tell you if they know where offices of leger is the theme.

For gorgijasp

As you can see all say "it" already know who will have reason. Perhaps the most interesting thing would be to "take note" of what they say about each other and check here for a while who was right.

Do not be surprised that you're the reason I had more.

A hug

Agustí

* 156.95 yen. CHF 1.6070

Golm collect Sachs in a report that the possibility of Japan between, no longer in crisis but in recession. If this occurs (it says in the first quarter) eye to the evolution of what types in Japan and exchange rates (This assumes that the forecast of 130 yen would not be true and if the change in Bankinter to 170). What is certain is that the picture is not encouraging, and nobody knows how this will end. You get a connection. By the way to see if anyone I replied to my post (insurance exchange Bankinter, etc). greetings

http://www.eleconomista.es/mercados-cotizaciones/noticias/352022/01/08/El-Ibex-35-mantiene-las-perdidas-en-una-sesion-en-la-que-el-volumen- glow-in-your-ausencia.html

To # 7, tuprimo:
With regard to the conditions of Catalunya that hung in the post reference, I would appreciate spend your e-mail, to contact me, or in any case in the mine is agosto.1988 @ gmail.com, for me clarify certain doubts I have. x thanks in advance

I have a question primarily for those who like me have the HMD in Bankinter and is on the already mentioned on numerous occasions, on the recovery in the constitution of the mortgage and the money that we apply in addition to fixing the first purchase .. to change our Euros to Yen (I hope you have understood correctly) I have seen a very interesting

DARAMMI 993

"Regarding what's claim the move by the Bank of Spain: if you are friends of BK've got to stand in front of your PC with the Web's corporate BK open. Above right you will see a link that says "Customer service". Click. The pulldown seleccionais "economic Claim." Click. Explicais the subject and cortais and pegais the clause in the circular of the BE, between quotation marks. Send and end of the communication.
In my case it took 4 days to reply positively and give me back the discount from the chip to be led. "

If you have someone (either DArammi or another of the Forero) could help me shed a little more light on this.

Like to move seriously and that data should be to contribute to the aforementioned complain ... is that the fishing will be applied by the Commission of openness, which is that the amount is due to return ... and so on.

I put this question poruqe think it is interesting not only for me, (the donkey in front so as not to scare jejeje) but also for many multidiviseros as I would like to recover their money that unfortunately and in most cases, we remove ignorance banks

A greeting

Hello everybody,

first of all thank you to all contributions in the last 3 days I have read all the comments of the forum and I learned a lot about this type of mortgage.

Like many others, I appreciate the chance to change my mortgage "standard" to a multicurrency and I'm reviewing all the information you find on the internet to be well informed.

I am attaching a link that perhaps you have not read:

http://www.ingnn.es/national/perspectivas__2008.pdf

There is a forecast of EUR / JPY to 130 in 2008, exactly 130 is the average for the last couple of years EUR / JPY ... In theory it would be the best time to enter this type of mortgage.

Neither asustéis about you, or you alegréis others believe that Bankinter gives a forecast of EUR / JPY to 170 in 2008 ...

Do you know which entities, in addition to Eng and Bankinter, give such forecasts for the coming months?. In the last month so moved that I do not think any of these projections are adapted to the reality, so I'd like to see other forecasts that take into account the economic turbulence of recent days.

Thank you very much everybody for your input.

A greeting.

Cachycuela:

_______________________________________________________
Referring to multicurrency mortgage with the bank of Spain:

Source: http://www.bde.es/normativa/circu/c199008.pdf

Chapter 1, the third rule, 1a, paragraph b)

"With mortgage loans on residential property referred to in Article 1 of the Order of the Presidency of the Government on May 5 of 1994 on transparency of the financial terms of mortgage loans (hereinafter Order on mortgage loans) the opening board, which shall occur only once, cover any costs of study, award or handling of the mortgage loan or other similar inherent in the business of the lender caused by the granting of the loan. In the case of loans denominated in foreign currencies, opening committee shall also include any commission for money exchange for the initial disbursement of the loan.
The remaining commissions and expenses charged to the borrower, an entity to apply on these loans must conform to the provision of a specific service other than the grant or the ordinary administration of the loan. "
___________________________________________________

I have already processed the claim on 14/01/2008 in reference to fixing (ie 1%) of total debt (that is a PASTA) and still is not anything. So you have two options:

1 .- To process the complaint.
2 .- To expect me to respond and then decide ...

And I think one thing: Only if the ECB decides not to lower rates throughout the year (and I do not say upload), the dollar was pyre to 1.50 I think it will almost certainly ...

To # 32 Rul

I'm really interested in knowing just as your claim in reference to fixing. What is already told us. It is worth it if you move in that direction ...

Hi I have been in and BBVA have given me the following conditions:
-libor +0.8-yen
-revision-monthly-quarterly semiannual (your choice)
money-Commission (fixing I think) 1%.
cost-novation Euro 1000
cost-notary-record-etc.1.350
(change is a grouping of two in a mortgage).
230,000 euros-loan amount.
-term 18 years.
cost-valuation (in this study of time-+ -350 euros)
-monthly interest-1.211euros.
RELIEF AS-tell me something you see WHAT MAKES ME !!!!!!

I am a potential Multidivisero to stay home. I'm calculating false negative situations and always with JPY. HMD 260,000 € to 30 years, with a market share of approx. of € 935.9 (which is false, just in case that does not move at all, not one cent) to the first quarter If it takes me an appreciation of 3.8% from JPY happen duty to 269,896, the second quarter pilla me another 3.8% = 280,152, and the third to get me back another 3.8% 290,797 and over the fourth catches me by 8% over ... That is about 19.4% in one year = € 315,514 that should (theoretically) and the share happen to be of 1135.7 (approx.) And do not pass anything, but if it continued like ... To catch quota in Euribor ... There is much, and although the catch and had to endure a while, so I have already saved ... I do not happen at all.
Maybe a dire animals, but think that if you get in JPY and stop to "sack" that is doing its ups and downs ... It could be an appreciation of 50% from 157 up to catch the quota Euribor? I am raising bad? It is better to check periodically and be changed according to criteria? Think that those who understand and experience you have? At the end comes out more expensive to go changing to endure?
Every day I do not sign for less and still do not know if I give you the right approach. Because even if coming out with a share approx. of 935 € if I had to pay 1,500 € for a time could also do so.
And that is what creates the doubt me, it's better to go to find the best conservation? Or it may be better stand well when property "bad" and take advantage of either "good"?
Maybe the question is quite absurd, but ... It's an option that I have raised.
If any veteran can tell me what your opinion is much appreciated.

Thank you

Good night to all, I wanted to ask again if there is someone with Deutsche bank and as it goes, I have improved conditions with chg. 0.70, libor Quarterly, 4 changes a year, free exchange and insurance.
Certainly I have been reading for over yet I have not got what's fixing what they ask someone at the bank no idea so I can not answer me, someone who can explain it to me in a very understandable what would appreciate a lot.
Jorge To me you can mail your bank and Deusch conditions ...

Thanks to all

With respect to the exchange commission charged at the beginning, I like everyone, I was tabi victim and raise the issue before the branch manager, called in front of my legal advice in Madrid (Barclays) and the answer phone was not charged ningún cambio inicial en el préstamo en yenes, pero al pasarlo a euros y liquidar la hipoteca anterior, eso ellos no lo consideran ya cambio inicial y es donde te cobran, aunque sea el mismo en el mismo dia.
De todas formas yo me he leido y releido la normativa y dudo mucho que ese sea el espíritu de dicha normativa, para mi queda claro que ese cambio debe formar parte de la comisión de apertura, y asi lo he planteado en la reclamación/queja que he presentado, pero me da en la nariz que lo mismo que dijeron por teléfono será lo que me envíen por escrito.
En el caso que así sea y que seamos la mayoria a los que no se nos devuleva esa comisión indevidad ¿que os parecería plantear una reclamación como colectivo ante el Banco de España, o la OCU?
Yo no soy abogado y no se si eso es factible, pero lo que si se es que las administraciones suelen oir con más interes a colectivos organizados que a particulares y los bancos no van a ser diferentes.

Para Pepe

Lo que planteas seria correcto siempre y cuando la otra variable en que se basa la HMD (tipo de interes )se mantenga.
En este producto juegas con dos variables:
Cambio de divisa
Tipo de interes
Ahora mismo la apreciación de divisas es asumible mientras la otra variable se mantenga, pero si los tipos empiezan a subir (no parece que sea el caso a corto medio plazo, más bien todo lo contrario) entoces el panorma no sería tan bonito.
Haz simulaciones con aumentos de tipos a ver que tal sale y calcula tu limite para aguatar en yenes

Buenas noches a todos.
Ahí van las condiciones que me han dado en oficinas de Bankinter y Barclays de la C/ Alberto Aguilera de Madrid.
Tengo que decir que me atendieron muy bien en los dos sitios, a persar de que fue una visita rápida porque estaban a punto de cerrar.
Bankinter:
- Apertura: 400 €
- Interés divisa: Libor mes + 0,90
- Interés euro: Euribor + 0,45
- Cambio Divisa: 0,1% (Tambien en el inicial)
- Comision Compra Divisa: 15 €5 años o 0,5% si antes)
- Gastos Cuenta Euros / Divisa : 0 / 10 euros trim + 0,40 € apunte

En Barclays me dijeron que para la compra me aplican el cambio de Londres a las 12:00. Me hicieron una simulación y el cambio que me aplicaron era exactamente el que salia en brokerhipotecario.com, así que entiendo que no me aplicarán fixing.

Ambos me piden nómina y tres recibos, seguro de vida y hogar.

Y esto es sólo el principio. Ahora a seguir pateando sucursales y haciendo números. Hasta mayo no me dan el palacio, así que queda mucho por andar.

Por ciero, una preguna, el impuesto de AJD ¿es el 1% en Madrid?. Entiendo que se paga por las dos escrituras, la de compraventa y la del prestamo, ¿no?.

Muchas gracias a todos por vuestras aportaciones.

Para Esperanza

Sobre el “fixing”

A “grosso modo” yo lo entiendo así:

Cada dia el BCE da un cierre de cada par de divisas y sobre ese precio cada entidad aplica una comisión o fixing del cual salen dos precios: comprador y vendedor.

Por ejemplo si el yen cierra a 158. Si la entidad le aplica un 1% 158 + 1%: 159.58. Que sería el cambio comprador y que se utiliza para iniciar tu hipoteca:
200.000 x 159.58: 31.916.000

Ahora si a ese 158 le restamos el 1% 158 - 1%: 156.42 que es el precio vendedor y que se utiliza para el cobro mensual:
Si tu cuota es por ejemplo de 120.000 yenes/156.42: 767.16 euros.

En mi caso (Sabadellatlántico) el porcentaje varía cada día oscilando entre un 1.15 y un 1.35%, según parece la comisón del fixing es del 2% que cada entidad reparte cada dia entre el precio comprador y vendedor, lo que explicaría esa oscilación del precio vendedor que me aplica Sabadellatlántico.

Para PEPE

Realmente entiendo tu situación porque a mi me pasó lo mismo.

Así veo el tema yo:

Yo tengo una hipoteca de 260.000 euros y en estos momentos la paso a yenes: 200.000 x 158: 31.600.000 millones yenes.
Ahora la pongo a 30 años con un interés del 1.40 y me da una cuota en yenes de 107.548. de los cuales 70681.44 son de amortización y 36866.67 de intereses.

Si me llega la primera cuota y el yen está 155:
107.548/155: 693.8 euros.

Si el yen se pone a 145:
107.548/145: 741.7 euros (pero sigo amortizando lo mismo -partimos de la base de que el interés se mantiene-).

Con esto lo que veo es que todo y la revolorización del yen mi amortización sigue siendo mucho más elevada que en euribor aunque mi cuota sea más alta.

Llegado este punto seguro que me puedo plantear si me puede interesar amortizar (yo creo que podría ser que sí) al menos los 2-3 primeros años para así reducir el principal y la cuota. Pero si además tengo posibilidad de comprar divisa para marcar yo el precio de cambio pues mejor todavía.

En nigún momento me planteo el cambio “virtual” porque yo tengo una hipoteca en yenes y no en euros.

Así lo veo yo, pero está claro que es un planteamiento personal y quién dice que tenga razón.

Simplemente es una manera de verlo.

Un saludo

Agustí

Perdon, este3 el el post completo. No sé que ha pasado.

Ahí van las condiciones que me han dado en oficinas de Bankinter y Barclays de la C/ Alberto Aguilera de Madrid.
Tengo que decir que me atendieron muy bien en los dos sitios, a persar de que fue una visita rápida porque estaban a punto de cerrar.
Bankinter:
- Importe: 80 % del valor de tasación.
- Apertura: 400 €
- Interés divisa: Libor mes + 0,90
- Interés euro: Euribor + 0,45
- Cambio Divisa: 0,1% (Tambien en el inicial)
- Comision Compra Divisa: 15 €
- Cancelación Parcial / Total: 0 / 0
- Gastos Cuenta Euros / Divisa : 0 / 10 euros trim + 0,40 € apunte

Barclays:
- Importe: 65 % del valor de tasación.
- Apertura: 1% (en mi caso 1.200 euros)
- Interés divisa: Libor mes + 0,65
- Interés euro: Euribor + 0,65
- Cambio Divisa: 0,2% (Tambien en el inicial)
- Comision Compra Divisa: 6 €
- Cancelación parcial / total: 0 / 0,25% (si >5 años o 0,5% si antes)
- Gastos Cuenta Euros / Divisa : 0 / 10 euros trim + 0,40 € apunte

En Barclays me dijeron que para la compra me aplican el cambio de Londres a las 12:00. Me hicieron una simulación y el cambio que me aplicaron era exactamente el que salia en brokerhipotecario.com, así que entiendo que no me aplicarán fixing.

Ambos me piden nómina y tres recibos, seguro de vida y hogar.

Y esto es sólo el principio. Ahora a seguir pateando sucursales y haciendo números. Hasta mayo no me dan el palacio, así que queda mucho por andar.

Por ciero, una preguna, el impuesto de AJD ¿es el 1% en Madrid?. Entiendo que se paga por las dos escrituras, la de compraventa y la del prestamo, ¿no?.

Muchas gracias a todos por vuestras aportaciones.

Perdon, este el el post completo. No sé que ha pasado.

Ahí van las condiciones que me han dado en oficinas de Bankinter y Barclays de la C/ Alberto Aguilera de Madrid.
Tengo que decir que me atendieron muy bien en los dos sitios, a persar de que fue una visita rápida porque estaban a punto de cerrar.

Bankinter:
- Importe: 80 % del valor de tasación.
- Apertura: 400 €
- Interés divisa: Libor mes + 0,90
- Interés euro: Euribor + 0,45
- Cambio Divisa: 0,1% (Tambien en el inicial)
- Comision Compra Divisa: 15 €
- Cancelación Parcial / Total: 0 / 0
- Gastos Cuenta Euros / Divisa : 0 / 10 euros trim + 0,40 € apunte

Barclays:
- Importe: 65 % del valor de tasación.
- Apertura: 1% (en mi caso 1.200 euros)
- Interés divisa: Libor mes + 0,65
- Interés euro: Euribor + 0,65
- Cambio Divisa: 0,2% (Tambien en el inicial)
- Comision Compra Divisa: 6 €
- Cancelación parcial / total: 0 / 0,25% (si >5 años o 0,5% si antes)
- Gastos Cuenta Euros / Divisa : 0 / 10 euros trim + 0,40 € apunte

En Barclays me dijeron que para la compra me aplican el cambio de Londres a las 12:00. Me hicieron una simulación y el cambio que me aplicaron era exactamente el que salia en brokerhipotecario.com, así que entiendo que no me aplicarán fixing.

Ambos me piden nómina y tres recibos, seguro de vida y hogar.

Y esto es sólo el principio. Ahora a seguir pateando sucursales y haciendo números. Hasta mayo no me dan el palacio, así que queda mucho por andar.

Por ciero, una preguna, el impuesto de AJD ¿es el 1% en Madrid?. Entiendo que se paga por las dos escrituras, la de compraventa y la del prestamo, ¿no?.

Muchas gracias a todos por vuestras aportaciones.

Hola a tod@s.

Para kriss kross. Yo llevo mucho tiempo intentando que BBVA me de condiciones de MD, pero todavía no lo he conseguido. ¿Podrías decirme cual es la sucursal del BBVA donde te han ofrecido esas condiciones? Incluso, si no quieres publicarlo en el foro, te agradecería que lo hicieras en privado. Mi correo es amaizonadaarrobahotmailpuntocom. Gracias por anticipado.

Hace mucho que no participo en el foro, aunque soy fiel seguidor y futuro multidivisero (espero que sea muy pronto). Me gustaría hacer una reflexión, para poner un poco picante en el foro, y para descargar mi rabia contenida contra los bancos, después de comprobar nuevamente que todos han ganado en el último trimestre, “unnosecuantosporcientomás” y “unporróndemillonesdeeurosmás” que en el mismo período del año anterior, y eso que estamos en crisis, en recesión y en todo.
Si con las HMD los bancos ganan más pasta que con las estandar (más comisiones, diferenciales más altos, porcentajes sobre tasación más bajos, menos riesgo de morosidad…), ¿porqué no las difunden más? Estas hipotecas tiene su aquel, todos lo sabemos, pero opino que no es más complicado, ni mucho menos, que cualquier producto de inversión en renta variable, o fondos mixtos con nombres que te acongojan directamente, o productos que diariamente nos ofrecen todos los bancos como la mejor oportunidad que vas a tener en toda tu vida, con intereses increibles que te van a sacar de pobre, si les dejas que muevan tu dinero ellos sabrán por donde…a lo mejor, no lo hacen simplemente, porque no les interesa!!!
Tal vez he partido de una premisa errónea. ¿Y si no es cierto que los bancos ganen más pasta con estas hipotecas? ¿Donde esta el beneficio del banco en que yo le pague un “güevazo” de intereses menos a lo largo de 25 ó 30 años? ¿No será que sólo las utilizan para los “tocapelotas” a los que no pueden cazar de otra forma? ¿Porqué está tan generalizada aquella respuesta de los de las “tiendas de dinero”, que a la primera oportunidad se convierten en tu padre, y te dicen: chico, no tienes ni idea de todo ésto, lo que quieres hacer es una locura, no sabes donde te quieres meter… ? ¿Porqué ni Santander, ni BBVA, ni La Caixa, ni Cajamadrid, (creo que los más grandes) prefieren perder posibles clientes, y dejársolos a otros menos grandes como Bankinter, Barclays o Popular?
Podría seguir pero ya me he desahogado bastante.

Por último, una curiosidad: me gustaría saber como funcionan las HMD en otros paises, como Francia, Alemania, UK (debe ser un superchollo sobre todo para los británicos). ¿Y en USA? ¿Harán hipotecas en Yenes? …¿¿¿O en €???…

Saludos a todos, sobre todo a Agustí, mi consejero espiritual en multidivisas virtual.

Maizo.

Gracias Agusti, me podrias indicar que condiciones tienes en el Sabadellatlantico es que precisamente me he llegado hoy y me han indicado que me pasara mañana que tenian que preguntarlo, si me dieras tus condiciones podria presionar mañana si me dieran las condiciones peores.
Gracias

Gracias Agusti, queria pedirte si pudiera ser que me pasaras las condiciones de Sabadellatlantico, es que hoy he estado precisamente alli y me han dicho que me pasara mañana si me la pudieras pasar podria presionar si fuera preciso. Te dejo mi email Catalina.bareaarrobahotmail.com , gracias.

Hola buenos días

Soy nueva por aquí, aunque solo de escritura… llevo leyendo unos meses.
Ayer estuve en el Banco Popular que hay en la calle Gran Vía de Madrid cerca de Plaza de España y las condiciones que me dieron por no ser del Sepla fueron (a falta de confirmación) el 65% de tasación, el 0.90 +libor y libor anual.

En Barclays de la calle Mayor de Madrid, me dijeron que menos de 200.000 euros no hacen HMD y que la tasación es el 65% , (¿cuanto dinero hay que tener para poder hacer frente a esa hipoteca?).
Y por último el que mejor nos atendieron con diferencia el Banco de Valencia, nos daban directamente un 0,75+libor a 3 meses, el 65 % de tasación y me sólo nos obligaban a nómina. ya 30 años.
Estoy de negociaciones con ellos por que la apertura es del 2% y el fixing tambien lo cobran al 2% mil .
Le pregunté expresamente lo de aplicar el libor al euro cuando pase a euros la hipoteca y me confirmó que por escritura se aplica el euribor a 6 meses.
Lo que tengo claro es que ahora mismo la HMD es un producto en fuerte demanda, no se si a la larga será bueno (parece que sí).
Pero que los bancos se están dando cuenta de que la están demandando muchos clientes y que ahora ya no nos dan tantas facilidades cómo hace unos meses, se han puesto muy duros; y encima la situación económica no nos benefica a los que tenemos que hacer ahora las hipotecas.
De todas formas estoy en contacto con La Caixa a ver que pasa. Yo solo tengo que pedir 100.000 euros y no me quieren en ninguna sucursal, por ser poco dinero, no lo entiendo.
Un saludo y perdonar el rollo.

#43, maizo

Respondiendo a tu pregunta:

1.- Los bancos ganan MUCHA MÁS PASTA con este producto, sin lugar a duda, (aunque a tí te compense).
2.- El público objetivo, es más bien reducido, son gente con solvencia económica (aunque no lo parezcamos ;-P), asumimos que podemos pagar diferentes cuotas mes tras mes y con variaciones de hasta un 10% (por decir alguna cifra).
3.- Si esto se va al carajo, es decir, el Yen se pone a 130 y el Libor Yen se pone al 5%, asumiremos la cagada con deportividad….
4.- Sólo te financian el 70% de tasación.

Maizo, hay que ser realista, esto no es la gallina de los huevos de oro (eso no existe). ¿Tú le dirías a un amigo que compre 300.000€ en Yen HOY por que dicen que se va a apreciar este año? (fíjate la pasta que iba a ganar si realmente se aprecia… Probablemente tu amigo te mandaría a tomar por c*** ;-). Pues nosotros hacemos justo lo contrario, pero con nuestra casa (TOMA COJONES).

Efectivamente, no es exactamente lo mismo… pero lo que si que es cierto, es que en 30 años el tipo de interés en europa y en Japón se puede aproximar mucho, e incluso podrían cambiar las tornas y estar más bajo en Europa (son todo suposiciones) y entonces a ver quién tiene narices de volverse a € con más deuda.

En una hipoteca tradicional, tu puedes reducir anticipadamente tu cuota o tu plazo, bien amortizando intereses o principal respectivamente. Este concepto en HMD no es tan evidente, podemos estar reduciendo principal (en divisa) pero su conversión a € puede ser al contrario. Cómo dice Agustí él tiene una deuda en Yen no en € y si esa cifra la bajas todo lo rápido que puedas, mejor para tí.

Lo que está claro, es que aquí son muchos los intereses generados con que Japón tenga los tipos así de bajos y que su moneda fluctue tanto, y la gente “que parte el bacalao” no somos todos nosotros (por muy alta que sea nuestra hipoteca). Nosotros somos unos mierdecillas al lado de gobiernos y megaempresas que hacen del carry trade una manera de financiar sus activos. Aunque todos los españoles que tuvieramos multidivisa decidieramos salir de ella y volver a €, Japón ni lo notaría.

¿Cómo lo ves?.

(Toma p*** mental) jejeje.

Sigo leyendo el foro, y aprendiendo MUCHÍSIMO.

Una pregunta para aquellos que entendáis más sobre el tema de las hipotecas:

Yo ya tengo una hipoteca en una entidad, y la quiero cambiar a multidivisa en otra entidad que de momento sólo me da el 65% de lo tasado (en mi caso, la tasación puede variar bastante según dónde se haga). Si no me llegara el nuevo préstamo para cancelar el anterior (tengo cancelación y amortización parcial al 0%), me imagino que puedo amortizar la cantidad que me llegue, y seguir pagando las dos hipotecas (quizás reduciendo cuota en vez de años, porque si no, no podría) y más adelante cancelarla con sus correspondientes pagos. (Estoy pensando mientras escribo, sin haberlo meditado mucho).

Mi pregunta es: ¿ES POSIBLE HACER ESTO? O ¿SALDRÍA PERJUDICADA YO POR ALGÚN FACTOR QUE AHORA MISMO IGNORE? ¿Se pueden tener dos hipotecas en entidades diferentes, por la misma vivienda?. Perdonad mi ignorancia.

Gracias, Carmen

Para #26, JRH
Perdona la pregunta pero… te dedicas a conceder hipotecas?? Estoy moviendo los papeles para hipotecarme en breve y estamos mirando la multidivisas y queria saber si me puedes dar condiciones.
Mi correo es saravb6 arroba yahoo.es

Muchas gracias.

Hola estoy leyendo que se especula que el yen pueda bajar a 130 , si es asi tampoco es malo para los que estan dentron por ejemplo mi caso =
firme a 164 si vendiera ahora 155 tendria una perdida contando lo amortizado de 24.000 euros (casi nada ) pasaria una deuda de 62.000.000 de yenes a 400.000 euros (aprox) ,entonces si esperara a que el yen se pusiera a 145 muy lejos de los 130 que se especula mi deuda seria de 58.000.000 de yenes o sea mi deuda seria de 4.000.000 yenes menos si se pusiera a 130 la deuda bajaria 10.000.000 de yenes (casi nada ,solo falta valor para hacerlo que pensais )