Mortgage multicurrency (V)

Please Rosa I can say that bank branch and offering you a subrrogacion a multicurrency?
If there is someone who has managed to please me say this.
My situation is already wearing a anyo with a mortgage in euros and I greatly fuck all constitute new mortgage cancellation because the commission is 1% more all costs (including AJD) is a peak. If you can do subrrogacion to another entity (0,5 commission in my current bank) but then novacion inside the body of a multicurrency serious plum. I think the problem lies in the "recorder" which sometimes is not what happens. Please make me a little help it save about 5000 euros! Thank you,
Luis

Well, well ... new thread .... What barbarity!

Answered two of the previous post thread, the first regarding the taxation of 1% and the second on whether it is a good time to enter a multicurrency mortgage.

# 1190, Yara

For now it seems that taxation of 1% does not have applied to anyone. If they did, it would end the HMD as we know it, because very few people have 2000 or 3000 euros for gifts to the Treasury, to perform an operation that no one knows whether he will be okay. HMD in the hiring of a foreign currency and we do not move it throughout the life of the loan. More than multicurrency would be like taking out a mortgage with a Japanese bank or Swiss.

# 1202, NTRA. MRS. Of Perpetual Help

Whether it is good time to enter ... yen.
It's worse now that two months ago, when he was 153, but better time than 9 months ago, with the yen at 168.
At the moment the yen is trading band of high historic, but nobody can say that will stop its fall when I get to 170 or 180 or 200 or ... .. This is a decision that you have to take and arriesgarte.

What does seem certain is that the ratio of interest rates between Europe and Japan, will remain similar in the next two or three years, bringing the HMD interest in yen.

In a broader horizon, get to know you. In economics everything is cyclical: the boom times of crisis happen and other crises, and the same goes for interest rates and fees, which rise and fall cyclically. The problem is where do they start and finish cycles.

Ask a council, ... Well, there goes.

If you're determined, hires your HMD yen
If you're conservative, do it in CHF
If you like strong emotions, opt for the USD
If you do not know or who you are, Check the euro and expects better times

Greetings

Well, I had thought about it but going into euros and wait a bit to see how it evolves to pass yen as euro anyway I Euribor + 0.45 is not bad, and when you come down a bit, is not bad No idea?

Josema: I have just come from the bank where people had filed all the documents because he wanted to sign with them, after they were giving me long days and that if we speak of the issue of what to pay taxes to finance (the first was they who told me that, after Barklais, and the Caja Vital Kutxa, so there will be something to talk about it so many entities, including the last two have told me that the offer because they no longer have to pay taxes from which to finance these mortgages are not as attractive) today I say that for orders that are not central to clarify this issue can not pass any bill and therefore can not be firmar.AHORA IF YOU ARE MADE AN IOL ....!

Pirucha your idea now is the best. Nobody mind that if you are a mortgage of 300,000 euros and yen are now appreciated by 10% (most likely) you will require fill positions in the bank to maintain the currency or duty over 30,000 euros to the bank. You must be very careful with this mortgage because the important thing is that the capital should the bank euros (your always gonna win euros in Europe). It is profitable but it has its risks ... And by the way in which the dollar does not target anyone because it is expected appreciation in the short / medium. The Franco is sold as stable against the euro but the fact has proved the opposite in the last month!

Pirucha: what entity offers you the Euribor + 0.45? Is the Euribor monthly or yearly?

Well, I think I do, it is better to wait to get off a little, and meanwhile I have a good mortgage in euros, because now it is at historic highs seems a little risky and it's frank I also see it as stable, although I I'm new at this issue and have not much idea yet. The Euribor 0.45 in Bankinter offer it to me, and it's monthly.

Question for economists: that when it lowered interest rates for the euro its value against the yen tends (according to looking at the historical) depreciate? If rates fall Reductions (more or less) the currency to acerla more accessible and it would be logical that the yen rose.
They also say that the "carry trade" force the depreciation of the yen? I do not understand it either. The more people want to buy more yen will be its value (for competition) and therefore we will appreciate more against other currencies like the euro, no? I do not know if I explain ... Thank you,

I was the last comment! Thank you,
Luis

Pirucha: I Bankinter only thing that gave me is Euribor and Libor 0.60 + +1, 0.2 Exchange rate with a minimum of 10 euros. The worst thing is that it will not let me have a parallel currency and also I must warn that with 15 days in advance if I want to make a currency exchange. How are other conditions that you have given to you and in that branch? Oh committee to open 0.30%

Yara my conditions are libor + 0,90, and a month Euribor + 0.45, 0.02 Exchange rate but not least, and 0.01 for the first time spend the loan, and 400 euros for the opening line of change, which will be your I think opening board, and with three days notice can make the change, the office is Tatters of Murcia, although the person who takes me is a friend, something that will influence I say.

Pirucha: I think we have good conditions but would also be good if you no longer have a foreign currency account to make purchases when you interests you, when you have a good change. And I feel very good idea to go into euros and wait for the next appreciation of the yen, last year there was an appreciation of mid-August to early September, but you never know. My days go by and the more I see more and devalued the yen after the last batacazo that I just keep thinking that when I can sign soon, every time I get more respect in getting the yen at this time. Let that which is a negative today ...

If I have left a foreign currency account and buy when the change is good, is that I had forgotten to tell you. I was very scared but gives good, we're going to attack, I am expecting the bank to me the answer, in two or three days if everything is right with the documentation that I have given them will stay with the valuer, but I am dead of confidence fear, with what I like myself the head, ainssss.

pirucha: we are similar, the two dead scared ... I would like to contact and intercamiamos impressions, my email is yarana151@yahoo.es

# 4, Yara

1% of Finance I imagine that the tax will be documented legal, that is 1% of the mortgage liability. This is paid to provide the mortgage (any mortgage), as well as subrogation and innovations (at least in some of them).
In principle, if there is no deed to change their currency, but only a written communication to the bank, why would not he paid tax, as it does not go through the notary.

Greetings

To # 1201, cacitop
You know something more than where you can buy foreign currency on the Internet?
I have read in this forum about forex.com but I'm not quite sure.
I will continue searching in different threads.

If you know something, you can send me the info here or mail juanluvica@gmail.com?

Thank you all!

I have entered into HMD in a yen to 156.05 with a sure hand in the BBK in case anyone has doubts conditions can ask me and now I'm watching if I can save the different commissions for the purchase of currency making me directly because BBK offers price closed just a day like this can not take advantage of spikes or decreases in the real-time quote.

# 1 luis.irlanda

At last! not able to see where he had gone to the new thread.
My email is nohay_manera arroba hotmail. com

Certainly what has become of NIN? long time no see it.

Greetings
Pink

Hello Luis.Irlanda,

For parts:
I am not an economist but I'm going to learn something from this impressive forum (5 threads !!!!).

What that you can increase the principal does not know if what I have read 1,000 times (at least) in this forum, so that does not know is because they do not want to hear (or read).

The carry trade involves borrowing in yen (low interest rate) to invest in markets with high interest rates (NZD, AUS) and take advantage of the rate differential.

The BOJ gives the machine and gets to make billetitos "to tip shovel" it (when there are no moments of distrust in the finances of course) the currency depreciates its value against the currency where it is "inverted".

When there is fear, these investors out of territory "Australian" or "European" (sold AUD, €) and returning to "take refuge" in its yen (JPY buying) and of course there is (are huge amounts of paaaaasssta)

Another thing I feel a little widespread is the issue of waiting to enter, etc. .. and is repeated like an axiom that if we put in 140 ... that historically, that if blah ....

As I have said that some other time, it is very important for me to enter a "reasonable" but what is that? Is it reasonable to go to 159? If according to the data drive and a certain "intuition" think they can go to 170 because it is very reasonable.

Now, if you enter at 140 when all the data may indicate that goes to 130 since it was crazy ...
The value of the change in a given time is much more important, but the trend that has such currency.

What is not clear trend? NEVER be so obvious as to not hesitate. (To sample the dollar in the last 6 months ... aaaayyyy if he had caught a 1.37 ... ... with an interest rate of 5 and peak clear ...)

As for the taxation of currency changes is something that worries me ... I have the feeling that sooner or later will finance the batteries in search of these reductions in principal that both crave and they do so "advantageous" this mortgage (and very risky course) I am concerned because I really think that now is more a matter of "inability of the administration" that the lack of will in the end ... and that if they think may be of interest to the coffers ...

A greeting

Juanjo,

More or less understand what you say and has its logic. As the rates are lower in Japan, most people tend to ride the HMD which will need more yen. The japos give the machine and as there are more tickets with the same assets outside the currency worth less. Is that right? If called HMD less in yen, then returns to its normal value!
Rosa, you command an email. Thank you.
Luis

Good evening.
Someone I can say that branches of Bankinter in Madrid let you have an account in another currency, buy it when you want it and where you want and pay your monthly mortgage through your mind.
Some of you because you have commented to me that there are some branches that do, but I need to know them, because according to my accounts and donate a little time, between what you can save on the purchase of currency (the famous fixing) 15 euros per month charge you for the currency change and taking into account the price of the yen at the time of payment of the fee, we may speak of an average saving of about 60 euros a month, and also the tranquility of having a quota Monthly flat as a can decide each month to buy the yen.
thanks.

Luis.irlanda,

Although you feel lie the volume of money that moves through HMD I do not think it's come to a thousandth of what the big move "hedge funds" and huge investors (including large and billionaires States idem). The HMD is an ant that can not move Such a rock (although drive).

We are not talking about 3000 million yen, put it zeros to the right.

Greetings

# 18, Juanjo76

Yes, sir, I am delighted your post:-D.

And Europe continues downward pressure rates that do not ... and Bernake said he had problems with credit institutions. Come to tap more dollar, lower rates and see if the BOJ aims to cart ....

SOS HELP!
Today, I signed in the multi yen. (70,000 euros) The fact remains that agreed to implement the change two days earlier (157.54) and the last time I did not say which is to one day earlier (160.2). After my refusal to sign under these conditions, the director of the bank agrees to apply the change of 157.54, saying that his office takes the difference, about 1200 euros.
The fact is that I translate the 70,000 euros requested what is a debt of 11,028,080 yen. So far everything's great. In writing the mortgage, which I do not think appointing 70,000, but if its equivalent in yen and the change implemented, it is said that I enter the total in an account in yen (which I commented that it is better pay for that account to avoid paying commissions to change monthly and buying the currency at a good price). The fact is that once the operation, I call two hours to tell that to happen to the euro, and I can not give 70,000 euros, because of that change as the day is 160.3 as it now Some 68,500 approx. They argue that clear, that I owe too yen less than if I had been changed in writing at 160, 3, which strikes me as a tomadura hair, because I understand that the office does not assume such EUR 1200 (change of yesterday) of The initial difference that has emerged in 1500 with the change today, and say that this is so. I think it's a scam. I do not think that at the time of the constitution I can do this, and unless they have assumed anything. What is not going to give in, and I do not believe to be wrong, but if anyone thinks they have reason to say so too. Thanks to everyone, and please tell me something that'm lost. Greetings

# 23, Eladio

Eladio hello, I do not understand what you did, that if what you've done is just take away a mortgage on your principal since 1500 euros a debt of 70,000 euros just to spend 68,500 euros. I do not understand what it is you want to give the euro.
Are you sure you've done a multicurrency mortgage? or what you've done is buy foreign currency to see if ganabas with the change that do not understand it and see if you can better explain your case to be able to help.

COMING THURSDAY THAT THE SIGNATURE YO !!!!!!

Hey, the mortgage is not to buy an apartment is for reforms. The floor is already paid and I have to give the 70,000 euros, so if you give me 68,500, missing 1500. Please if anyone can advise me, what would be grateful. Greetings

If it is a multicurrency mortgage.

# 26, Eladio

Vale then okay, the bank gives you the change from two days ago to sign but when you give money you give to the change today, in your case it would have been better is that the yen had appreciated with respect has two days ago but has depreciated, so you get the same debt in yen but the yen is now worth less euros. In your case you had to have caught the change the day of signature and that what you want is the money in hand.

Paracas weird but this time the bank has not you timado.

Good!

for fellow multidiviseros that you are in Bankinter.

Is it possible to see on the website of Bankinter (www.bankinter.com) cross-currency real-time or date for diárimente well know that we apply a currency exchange at maturity of the monthly fee?

From what I've been able to ascertain, it is quite wrong "Paridae" page. It is to suggest a menu to make more practical and implement what is really necessary for a person who needs to control its multicurrency mortgage.

The only way that I can see the crosses of currency is to follow the following options that are not available on the main screen of the mortgage multicurrency.

Operate>> Transfers>> Check foreign exchange

Once we entered the "Check foreign exchange" leaves us introduce a specific day and shows us the crossing points at 15-20 major currencies showing price buyer and seller price, but in no case does the official exchange rate that is published for all the world.

For the benchmarks it had when I made the purchase in the main currency of the (few days ago, before the signing), it seems that it is looking for the mid-point price to the buyer and seller price. This price is theoretically the official exchange rate, without any commissions.

From this value, adding about 1% is obtained by subtracting the price the seller and about 1% of the price buyer.

For the calculations that I made, which are only based on the data in a single day, it seems that fixing it applies Bankinter is 1%, maybe a little bit but not too much. Have any of you who already have clear this aspect?

On the consultation of the crossings on the website of Bankinter, I put a note 2 on 10, pulling high, for the following reasons:

1) I spent almost an hour to find this option, as it is placed on a site that should not. It should be a choice over their own management of the mortgage multicurrency, as are excerpts, consultations, partial repayments, etc ...

2) The table of crosses that I have found values brings buyer and seller, but not the value of the official crossing of the currency.
In addition does not allow you to see the crossings of the day today, the earliest of the previous day.

3) Nowhere on the site, or through telephone banking, I have been able to say what time is taken as a reference to publish these values. I do not know whether it is worth half of the day, if it is the first time, last minute or if the value of 14:00 seems to be that interests us is that we have to mortgage with Bankinter, as is change (price seller) to take two days earlier at 14:00 h to calculate the monthly fee paid to play.

Somewhat satisfied with what the site offers Bankinter to multidiviseros. And we can give thanks to God just add the new function of "write-down." However, we passed through the office or send a fax line to sign want to amortize capital. Too many tonterias, you need to be more practical.

Sorry comrades, after today is not how many calls to Bankinter (telephone banking department of the Internet, the department again to Internet telephone banking and so on, mareando the partridge ...) I have not solved practically no doubt, if This was money that I found myself not to answer my questions so badly that Paridae is the website .... I caught a good contest.

Haver if I am better mood and less critical.

By the way, you know any way of knowing the formal change of the cross euro / yen at 14:00 pm approximately 31/03/2008 day?
According to the official Bankinter 157.45 and 159.05 price seller.

I'd like to check this information because I signed yesterday, and I applied the change to 159.05 yen to spend the principal.

Spirit that we have new forum ... and you go five. It is a past participation and the movement that is generated in this forum.

Greetings,

Adrian.

For Adrian, 28 post

Not if we can help, from my experience, let's see if it was done clearly and briefly.
Effectively transfers its website, consultations with the daily change of the buyer and seller, to see the official exchange go to the website of the bank of spain
The official price, they call it the base price, and is the average of the two changes, if you do comprobarfas which is the same as the official bank of spain, but they do not put it anywhere, well ... .... Let's say if you put it without putting it and I explained. When you've already signed your mortgage you aperecera currency as a product but most really do not have the same value, for example, if you asked for 300,000 euros, as you may put 298,000 or 302,000 according to the change based on that day, it is assumed that would be your debt is not true because if you change your pasases the euro would be the buyer, say you should bring them to Peak and change and thus more commissions.

Let's look at another aspect, ah yes, what a day of signing, is simple, they hoped to buy the currency (or so they say) with the change of the day, which is two days before the day of your signature, that is , That if your signatures Friday morning, they put you on the change of Wednesday, but not that of early Wednesday morning (whatever) but that of Wednesday when he closed the bank of spain at 14:00, then them on their website, around 15:00 and this change and that's the catching.

Not if you explain ... I know if you want more clarification ... ... .. or better made ... ... .. let your mail and you clarified

Greetings

Hello everyone

Well, V and thread through clopez and of course all those who make their contributions to this forum is a veritable source of information where every day we learn something.

I think it's good to be informed of everything goes a little here and this press release:
http://www.cotizalia.com/cache/2008/04/03/70_augura_caida_precio_vivienda_espana.html

For the rest we have seen that finished the first quarter, the yen and the CHF again devalued and will go siguieno behavior that they do.

For now it seems we have new levels at 160 and 1.58. There are those who already poses buy "stocks to these prices," just in case as there are also those who hoped and believed it may buy more upstairs.
In my view if we think a change in average over the life of the mortgage and our strategy is to go shopping motto we must assume that there will be times where the change is more fvorable and others not so much, but in the end it counts is that change means.

As you have commented on the forum "context" is changing and it is very difficult to know if it will return "other past" or we will have a different one in the future.

I think it's a matter of "Adaptation" and therefore nothing better than going to follow the markets for our own conclusions.

A greeting

Agustí

# 28, Adrian

Hey Adrian, but I think that basically you have all the answers you and # 29, you cacitop has responded very well, here I add something more:

1 .- The change in applying the option Operate>> Transfers>> Check foreign exchange, is the right thing and you can see the change buyer and seller of the days prior to the fixing applied (applied is the fixing of 1.0202 %).

2 .- To find the change you wish official:

Yen: http://www.ecb.int/stats/exchange/eurofxref/html/eurofxref-graph-jpy.en.html

CHF: http://www.ecb.int/stats/exchange/eurofxref/html/eurofxref-graph-chf.en.html

3 .- What in general is not entirely Bankinter: Very true!. It is work hard, find someone who understands this product.

4 .- The closure they put efectivamnet is to 14:00 pm.

5 .- I heard some time that Bankinter would add to their web buying currency at the moment but we want ... is not yet ...

Adrian luck ... ;-). You just start with Bankinter;-P.

Hello everybody!
I am in the process of finding a position to move my mortgage to MD. Today I got in the Santander and asked them to move MD a month and a half ago and still hope to answer.

So I have just emerged from a meeting with Bankinter to ask for price.

I offer the following conditions and are unwilling to negotiate (what is there) even though it is a loan of € 200,000 (35% of the value of taxation) and 20% of revenue ratio (declared).
Libor + 0.90 monthly JPY
Exchange Commission: 0.20%, minimum 15 €
Partial Commission: 0.25% (might consider to reduce say, ;-))))
Commission total cancellation: 0.50%
Committee opening: € 400 flat fee.
I can create an account in foreign currency and I would collect only 0.2% without the minimum amount I can manage the exchange purchases at the time that you can take advantage.

Attention now: The mortgage can only be set up in other currencies besides the Euro.
I said that this is a Bidivisa, not a multicurrency and that I am interested in form JPY and CHF in addition to the Euro and I say this in Bankinter does not exist. HA HA HA.
I am in the north of Girona, anyone have any idea?
I'm going to Barclays will see what I have.

Thank you very much for your invaluable contributions to our financial culture.

Keynesian,

Mix that office! Do not forget the $ and the pound that a mortgage is for long life and gives many laps (and if you stop putting other currencies better yet). THANK YOU NOT mortgaging currency, Multi-BEST.

Fortunately,

Hello everyone

Interesting discussion about whether now is a good time or not to enter into current prices. My contribution in this regard came from my own experience (as I have said on other occasions but it does not repeat) and the case is that in 2004 when I hired my MD I wanted to make it in yen and the director of the office told me he was "Crazy" to go into yen and that he "endorsed" was going into CHF. I can sle case and last time I changed to CHF. Price would have had input into yen: 133.50. Price at which went into CHF: 1.5363.

From here everyone to take their own conclusions.

What we learned is that if it does not have the "crystal ball" and know what will happen is very complicated and therefore better that I am not one, which incidentally I think it would be a good contribution to the forum that those who are advised by the companies involved in the recruitment of MD's something for us and help us comment.

One more thing to remember is that in 2004 the MD's were considered too risky, a consideration that is still in place today and it is easy to deduce that the word "risk" is inherent in MD.

Y viene ahora cuando llega el buen tiempo que las hormigas empiezan a guardar comida para el “duro invierno o los duros inviernos” porque así no tendrán el “riesgo” de quedarse sin comida.

Cambiando de tema no seré yo quien dude de la gran información que se puede obtener en este foro y no sólo eso sino que además se “manifiesta” situaciones dificiles de creer y esta de Keynesiano creo que es de “libro”:

“Atención ahora : La hipoteca sólo se puede constituir en otra moneda además del Euro.
Les he dicho que ésto es una Bidivisa, no una multidivisa y que a mi me interesa constituir en JPY y CHF además del Euro y me dicen que ésto en Bankinter no existe.”

O no?

Un saludo

Agustí

Yen a 160.72 y CHF a 1.5861
*Para Keynesiano en Girona no pero en Barcelona si sé donde puedes hacerla.

mefagusarrobahotmail.com

El CHF con ganas pero atrapado en 1′586. ¡¡Venga machoteeeeeee, danos una alegría y recupera el 1′60!!

1′588.

Pregunta, curiosidad: ¿vosotros creéis en el análisis técnico, en estos asuntos de los soportes y las resistencias, o las cosas llegan a donde tengan que llegar independientemente de estas “vainas”?

Por cierto, como curiosidad tb, ¿se pueden meter votaciones en este magnífico foro, para ver el sentir ante ciertas cosillas de los visitantes del mismo?

Iros a la cama hoy con una idea clara: SOIS COJONUDOS.

Muchas gracias a Juanjo76 y Agustí por vuestras respuestas.
Tengo claro cuál es la cartera de productos de Bankinter y lo que venden, también tengo claro cuál es el nivel de formación interna en MD para los empleados de la red.
Pero si a pesar de decirle a la persona de Bankinter que me atiende que he visto MD de su entidad en varias monedas y condiciones mucho mejores (entre ellas las que muchos de vosotros habéis comentado en este foro a lo largo de los últimos meses), me continúa insistiendo en que Bankinter sólo hace Euro+1 Divisa extranjera y que no pueden negociar el diferencial de 0,90 porque es la condición mínima e innegociable, o le invito a leer el foro o me la llevo de paseo a visitar oficinas de su red en otros sitios y que vea lo que hay en el mercado.

Hoy no he podido, pero el lunes me voy a Barclays. Ya os contaré.

Saludos y buen fin de semana.

Agustí : Gràcies per l’oferiment, és possible que hagi d’anar a Barcelona si aquí no em donen solucions. Ja t’escriuria. Molt agraït.

Para #17, RosaNa: ( aunque pone que soy atql, realmente soy NIN, no sé que diantres ha pasado!!!!!!) ¡¡¡Hooooolaaaa!!! Os leo casi siempre ( eso sí, reconozco que saltándome mensajes que a mí no me aportan), y ya casi no escribo, debido a que tengo poco tiempo ( para leer noticias que recomendar, y para escribir). Además, como le dije a richard: parezco gafe, bastaba que hablase de lo contenta que estaba con la hipo, para que zas!!!! apreciación del yen!! así que, calladita estoy más guapa. Besos!!

Jajaja NIN, me acuerdo de lo de gafe… hoy de momento parece que no has sido muy gafe, si hubieras escrito ayer, a lo mejor lo pensabamos…..
Bueno chicos, estoy en Zaragoza por trabajo, algún maño por el foro que me recomiendo un buen sitio donde cenar?

Saludos

Hola a todos, por fin firme el lunes ahora un desastre todo, los datos todos mal, responsabilidad hipotecaria me habian puesto un 250, los datos de la vivienda mal, el tipo un 5% me eche a reir (claro por no llorar, por favor que forma de trabajar) los pagos, en fin …todo. desde las 12:30 terminamos a las 15:30, fue el dia 3 lo comento por el post anterior de alguien que firmo el mismo dia que yo cambio que me dan 157.42 yenes.
Bueno pero no acaba la cosa ahi gastos 1000euritos mas de lo que me habian dicho, en total 8209, y para colmo despues de confirmarme que el paso de yen a eur lo hacen con el mismo cambio, miro ayer via internet la cuenta y me lo han pasado con un cambio de 159. con los que 2000eur menos, eso a las 18:00 bancos cerrados y con un cabreo que no me veas asi que la unica persona localizable la gestora del banco con la que consigo hablar y me cuenta que como terminamos tan tarde por cual del banco al dire se le paso pedir el cambio a eur. y lo hizo con otro cambio porque tesoreria no se lo permitia ya con el cambio del dia al ser posterior a las tres la solicitud, asi que me ha dicho que no nos preocupemos que el banco se hacia responsable con cargo a la oficina que el lunes hablasemos con el director (eso espero).
En fin espero que todo meresca la pena y el yen se porte bien porque vaya tela, la verdad que no se que esta pasando en las entidades ultimamente porque vamos o te encuentras personas que no tienen ni idea o con un desastre de gestion como yo.
Malas noticias de empleo en EEUU pero parece que no han afectado mucho al yen ni al ch. no?
Espero no ser gafe.

Buenas a todos por el foro … ya hacia tiempito que no me podia acercar por aqui, pero si que os he leido a todos (uno por uno),,, gracias a un amigo del foro me estoy viendo la HMD porque desde alicante (excepto el bbk y barclays) nadie quiere saber de las HMD (CUANTO RIESGO), me comenta el dire de mi oficina de mi entidad (que por verguenza ajena no voy a nombrar)..Despues de tenerme mas de dos meses que si vamos hacerlo contigo, es nuestra primera vez, vas a ser el primero de la entidad que lo va a contratar (ni que fuese millonario), DESPUES DE REMOVER UNO A UNO TODOS LOS DEPARTAMENTOS de la entidad (riesgo, compra de acciones , compra de valores, compra de monedad, vuelta a riesgos, asesoria y demas) despues de decirme que si, viene la p..a crisis y se escudan en el pu.o riesgo..VAN Y ME OFRECEN euribor + 0.35 ( no esta mal pero como que no tu que dices NIN..?
Gracias a este gran amigo, que si alguien lo necesita que me lo pida va a verme las condiciones con varios bancos en MADRID (creo), esto es poderio….de todas formas los bancos en general estan faltos de liquidez (ya lo habeis visto varias veces en este foro) y estan denegando todo (incluso en euros), caso grave el de un amigo que le han denegado la hipo con 60% de tasacion y en EUROS.
Aviso a navegantes, salir del euro lo antes posible y pasaros a yenes que el negocio estriba en el tipo de interes, es donde le pegamos mayor bocado al pricipal, incluso cruzando con el chf la diferencia se nota bastante, luego si el yen se deprecia mejor y si se aprecia pues un poco mas pagare….yo he calculado conforme los valores de las cotizaciones de varias monedas y con el yen (por su tipo de interes) y la cuota que yo pagaria por 290000 euros a 26 años trimestral, viendo su comportamiento durante 5 años, variaria unos 110 euros al mes (arriba/abajo segun cotize) EN 5 AÑOS.
Moraleja SI LO PUEDES PAGAR EN EUROS , PAGA YENES (GANARAS/AHORRARRAS $=MUCHOS), pero con mucha cabeza fria y determinacion.
Yo estoy esperando condiciones de mi gran amigo, pero tengo claro que entrare directamente al yen.
ya os comentare mas, tenia ganas de teclear.
Adeu a tod@s

Hola a todos. Lo primero gracias a JMHR por tu aclaración.
Para Esperanza #40. Yo firme el jueves, con el cambio del martes a 157,54 , pero como me han asociado el prestamo a una cuenta en yenes y no en euros y yo he hipotecado mi piso ya pagado (o sea que quiero el dinero en liquido), pues me ha pasado como a ti mas o menos que al aplicarme el cambio del jueves me salia que con esa deuda solo me daban 68.500 euros de los 70.000 pedidos , por lo que en resumidas cuentas el cambio aplicado era de 160,2 ,bastante peor. Me sentí engañado y defraudado , pues yo creia que no hacian el cambio dos veces, y claro, en el primer cambio que establece la deuda contraida no te cobran fixing ni comision de cambio(que ya va en la apertura), pero en el cambio de yenes a euros(que es con lo que nos movemos aqui), si que me van a aplicar el fixing y la comision, cuando me decida a cambiar. Yo pensaba que no me cobrarian ni lo uno ni lo otro,en todo el tramite hasta euros, pero dicen que si. El caso es que yo aun no he cambiado, esperando una apreciacion puntual del yen, lo cual se que ahora es dificil por la tendencia de los ultimos dias, y dispongo de 11 millones de yenes, en una cuenta corriente que me da la caca(con perdon) de un 0,25. Mi idea este primer año era cojer todo ese dinero e ir invirtiendolo en depositos a plazo, que me daban unos 250 euros limplios mensuales, pero como al cambiar a euros ahora creo que no me conviene pienso que a lo mejor tengo que estar algunos meses para pillar un buen cambio. Lo unico que se me ocurre es hacer un deposito de la mayoria de esos yens a plazos mensuales, pero en mi banco creo que solo aplican el interes del libor de la moneda o poco mas, o sea maximo un 1%(aun tengo que concretarlo con ellos). ¿Alguien sabe si en alguna otra entidad me podrian dar algo mas competitivo en deposito mensual por ejemplo para 10.000.000 de yens? Gracias y saludos a todos

Si alguien se le ocurren otras maneras de como invertir ese dinero en yens de otra manera con riesgo minimo, que por favor me ilumine. Gracias y saludos a todos de nuevo

Eladio, los yenes no salen rentables para tenerlos en cuenta o deposito porque el tipo de interes es bajismo (es por ello que lo rentable es tener deuda en esa divisa). Si yo fuera tu y no necesitara ese dinero compraria valores blue-chips que cotizan el nikkie (acciones del mercado nipon). Es lo mejor que puedes hacer con ellos, diversifica un poco los valores (no compres solo uno por si se da un batacazo) y suerte!!

Hola a todos, llevo unos días leyendo este foro, estoy asombrado de la gran participación de la gente y las cosas tan interesantes que leo. Hace año y medio hice en Bankinter una HMD en euros y el primer mes cuando comprobe todo lo que le pagaba al banco de interes me pasé a Yenes a un cambio de 154 y me he ahorrado hasta la fecha + de 6.500 € de intereses. A pesar de que ha habido algún momento complicadillo con la crisis de las subprime en agosto 2007, no cambie a otra moneda y el tiempo afortunadamente me dio la razón porque ahora esta nuevamente en unos niveles de cambio razonables. Aunque no quiero convencer a nadie, porque es una responsabilidad que cada uno debe asumir, hoy en día a un cambio inferior a 160-162 lo volveria a hacer. ánimo a todos.

nota.- cuando decidí pasarme a yenes aún faltaban 15 días para comprar la divisa, pués se hace coincidir con la amortización de la cuota. En este tiempo el yen se depreció 2 puntos básicos. En otra situación similar creo que contrataría un seguro de cambio el mismo día que tome esa decisión.

un saludo

Hola, muy buenas de nuevo!

Para Rul,

gracias por el comentario; eres uns monstruo! Pero sigo intentando tenerlo todo 100% clarito para saber que índices y números me servirán de referencia de ahora en adelante. El valor del fixing al que has hecho referencia es clavado, al que me salen en mis cálculos (alrededor del 1,01xxxxx %)

Para Eladio y Esperanza,

yo firmé el dia 02/04/2008, miércoles. La orden de compra de la divisa la di el dia 31/03/2008 (dos dias hábiles antes), y exactamente sobre las 13 o 13:30h del mediodia. El cambio eur/yen que se me aplicó teóricamente el dia 31 (lunes) para contraer mi deuda fue 157,45. Mirando varias páginas web de cambios no acabo de tener claro si ese fue el cambio de las 14h del dia 31 o por haver dado orden casi a las 14h del dia 31 (lunes), finalmente me aplicaron el del dia 01/04 (martes).

Si me hubiesen aplicado el cambio del martes, dia 1 (que se depreció algo respecto al valor del dia 21), es una praxis habitual que hagan esto?

De todas maneras, aun no acabo de ver claro si el valor de 157,45 es del dia 31 o del dia 1, porque segun el BCE tiene pinta que me aplicaron el cambio del 31, pero segun otras páginas cosultadas el dia 31, el cambio estaba sobre 156 largo.

Pensaba que cualquier página de históricos me daria este valor puntual, pero lo que me hace dudar unas de las otras, es que me dan ese valor puntual, y desconozco si es la media del dia o si es valor que toman a las 14:00h

Este tema ya lo habia planteado unos posts mas arriba, pero centrado en la página web de bankinter. No obstante, en otras páginas también surge el mismo problema de los valores ya que horas se toman, porque explícitamente que yo sepa no pone la hora.

Un abrazo para todos y buen fin de semana!

Adrián.

hola, buenas noches a todos los foreros.
Es la primera vez que escribo, pero llevo mucho, pero que mucho tiempo leyendo todos los mensajes, así que lo primero gracias por dar algo de luz en todo este mundo de las hmd.
Mi caso, es como el de muchos que entramos, primero miramos y luego viendo lo tontos que somos con una hipoteca con euribor nos gustaria dar el salto a una md.
Para no aburriros la primera vez, me gustaria si hay alguien de zgz, si conoce alguna entidad con algo de garantias para negociar o ver condiciones y por ultimo tambien recuerdo en uno de los mensajes que alguien dejaba una direccion de correo de un tal jose ramón que negociaba condiciones pero no lo encuentro, así que agradecería cualquier ayuda.
bueno un saludo a todos y gracias

Hola a todos.En primer lugar deciros que soys unos cracks por dar toda la informacion que estais dando sobre la HMD, que para gente como yo, que estoy pensando en cambiarme de hipoteca(169000 euros en Santander con euribor +0.75 a 40 años)nos viene de maravilla para decidirnos a dar el salto a estas hipotecas.Mi pregunta para quien me la pueda responder es la siguiente:Si yo saco una hipoteca multidivisa en yenes con un tipo de cambio de 157,segun una tabla de conversion que he sacado de este foro,se tendria que depreciar por lo menos hasta 110 o 120 para que me dejara de ser rentable, siempre y cuando no me entrase el panico y me diera por cambiar a euros otra vez, claro.Si esto es asi, el riesgo no es tanto como los bancos nos quieren hacer creer,¿no es asi?.Gracias de antemano por la ayuda a todos.

#48, Juan, sobre lo que dices: Ya tu préstamo Euribor a 40 años es un riesgo, pues quién no dice que el Euribor pudiera ponerse en algún momento en 40 años por encima del 10%. Es decir, todo lo que sea tener que devolver dinero a un Banco durante muchos años dependiendo de unos ingresos con la casa hipotecada, entraña un riesgo en sí mismo.

La hmd tiene más riesgo que la hipoteca normal, porque además del tipo de interés está la variable del cambio divisa. Es volver una vez más a la famosa cláusula del 10%, pero en fin. Más que la cláusula en sí, es que ( y más ahora, tras la crisis financiera) un Banco no va a permitir que tu deuda convertida a euros les pueda suponer a ellos un alto riesgo de pérdida. Es decir, a tí te puede ser rentable hasta yen 110 ( con el libor japonés actual, no olvidemos eso), pero al Banco puede ser que no: Si te dan el 70% de tasación. Imaginemos que en 2 años el yen se aprecia un 20%, y por la situación actual del mercado tu vivienda se deprecia un 12%. Pues al Banco no le iba a gustar nada que lo que les debes en euros valga más que la garantía ( es decir, más que la casa).

Uno debe conocer todos los riesgos, y valorar friamente si compensan. Evidentemente, la ventaja de ahorrarte un montón de intereses amortizando a la vez más capital es muy interesante. Para al menos planteárselo, echar unos cuantos numeritos, ver históricos, plantear diferentes escenarios y estrategias, y después decidir.

Para Juan

Este es el “caramelo” (a grosso modo”):

169.000 a 40 años y al 5.5% (4.75 + 0.75) es una cuota de 871 euros de los cuales 97 serían de amortización y 777 de interés.

Ahora cogemos los 169.000 y les sumamos los 8.000 de gastos de Esperanza: 177.000 euros.

Tomamos un cambio de 160 y tenemos 177.000 x 160: 28.320.000 millones de yenes.

Ahora cogemos el libor anual que es el más alto 1.08 y le sumamos un diferencial del 0.90: 1.98%.
Tendriamos durante todo un año una cuota de 104.393 yenes siendo la amortización de 57.665 y el interés de 46.728.

Para saber el equivalente a euros le restamos el fixing del 1% a 160: 158.40.
104.393/158.40: 659 euros.
Para llegar a la misma cuota en euros (871) necesitarías un cambio a 120 aproximadamente.

Si todo se mantuviera igual (que ya sabemos que no es así):
871 - 659: 212 euros. (+ los 10 años ya que en yenes es a 30).

Y ahora “lo otro”:

Ya lo dice Pepo: hay que conocerla bien, hacer números, plantear escenarios y decidir de manera tranquila y objetiva.

Y yo añadiría no sólo eso sino que además hay que estar dispuesto a todo un “periplo” que no es otro que encontrar una entidad que te la conceda (por lo que estamos viendo parece que el “grifo” cada vez está más “cerrado”), encontrar una oficina donde “hablen tu mismo idioma”, estar al tanto de los detalles(comisiones, cuenta en divisas, cláusula del 10%, dias que puedes hacer la compra de divisa, dia que te hacen la compra de la divisa, etc…) y tener la “suerte” de encontrar un buen profesional.

En mi humilde opinión entrar en MD requiere no empezar la casa por “el tejado” (quedarías parado los casos con los que me he encontrado de personas que la han contratado y que ahora es cuando preguntan el por qué de muchas cuestiones y eso que en principo “estaban asesorados”).

Lo más coherente es atender al comentario de Pepo y empezar la casa por los “cimientos”. Vamos es lo que yo haría y me da que tu también lo estás haciendo.

Un saludo

Agustí