Mortgage orange

hola ....! I need to do a mortgage, if you like. to do a few things and improve, BUT NOT ALWAYS TARBAJO CAME AT THE END OF MONTH, 678,136,554.972431874.

ING These are some "professional scammers", I put
all very nice and very kind, but when the
They leave you truth. You BORRA SOLICTIUD LAN OF
MORTGAGE, AND SENT TO THE DOCUMENTATION AND DO NOT
NOTHING SAY NOTHING !!!!!!!

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Mrs. Yolanda target their advertising by PIIIII, people need money, but not abuse them more.

hello, I'm interested to know information and opinion of knowledgeable people on mortgages. I have a mortgage to 25 years by phone and offered me some insurance for me if the Euribor up over 4% would not pay more than 4% and if I am receiving the low low Euribor, I wonder if it is a trick of the banks because the Euribor will drop in coming years. also like to know the bank can communicate upward to collect more interest and not inform the customer when the uribor low? Is this legal? Where can I find, if you download the Euribor, that I must pay mortgage? thanks in advance loli

What is that offer, Loli is rare shit, pardon the expression, because the Euribor is now at 4%. If real, it would seem a miracle but we, if so, before signing and keep back because it is the biggest bargain of the Spanish banking history.
And no, it is illegal to not notify you when lowering the Euribor. But come on, if you do not trust, to be a little attentive to the news you have no problem to find out you alone.

indeed, the Euribor you can check every day in any newspaper of general information. How do you get into a mortgage with such ignorance?

I have a mortgage with ING Direct Orange Mortgage, I nominate resident, gave me free cards without charge network 4b and 6000 network. No charges for opening or total or partial cancellation (you have to collect minimum 1500 €) and I am very happy. I operate with Sp from the internet and I have no problem, except that I descuetan 2% of the receipts of light, water, gas, telephone and mobile phone home. Very happy .-

I bought a flat in 2004, less than mileurista am but as my boy earns a little more we jump. This last review we have raised 150 euros! more per month. At the moment we pay, but the problem is we eat? Have children??? We're taking our dreams ... and you are dooming the next generation: Who will dare to have children? THIS IS HOW VOTES ARE NOT ALL THAT WITHIN A FEW YEARS TO STAY FREE WITH THEIR VOTE ... GENERACÓN.

Patricia, come and buy a cheaper. It's hard but you know what else too: not having children. Politicians did not sign your mortgage, though, do not worry, take steps (in fact they are already doing) to boost the birth rate, with respect to the proposed rental housing. There are no more in this world ...

I'm tired of seeing the advertising on all pages ING real estate and economy. When you apply for the mortgage truth and DO NOT RECEIVE THE
Last year, my partner and I had a net income of 42,500 € (about 3500 € / month) and need a mortgage of 250,000 €.
After 50 days of sending all our documentation and priced housing (275 €) we were told it was not feasible because our salaries were mostly from commissions, trading and since we have "fixed shortly.
He could have DISCH NOS BEFORE, NO?
The 275 € of valuation are nothing when compared to the bad times have made us go with looking for "correprisa" another bank. Almost lost THE FLOOR! since we signed him 2 months after the expiry of the deposit agreement.
Thanks to sellers and real estate to understand the situation today we are enjoying our new home, despite ING ...

Outraged, I would demand thee at least 275 €. You can do it in the office of the consumer. Thus, by the way they will touch a little h.. Vs ING these ....

Well, we ING has awarded us the mortgage being asked 208.000 € and our revenues from 2800 € / month approx.
Since I submitted the documentation until I confirmed that was pre-approved mortgage in the absence of valuation did not pass 5 days. The appraisal was done 3 days later and 5 was approved. In addition we have date of signature.
I can not complain, really, the proper treatment, pricing a little low on the estimate but despite this we have obtained: Euribor + 0.33, home insurance, no guarantor (do not include this figure ), 0% commissions, credit and debit cards for free, etc.. (conditions of the payroll account associated with the mortgage).
In our case, advertising has come true so far and hope that keeps going until the signing :-)
I recommend it.
Suerte y un saludo

Hello, I just give the orange and walk outstanding mortgage signature. I'm waiting for the mail to the manager giving the papers you need ... o. could you tell me how long it takes until the signing of the deed?

m like to know of someone who haiga ing.para canvia the mortgage compare experiences

We have for the last half year mortgage of 220,000 euros with them, 0'33 Euribor, the best we could find at that time. They do not charge commissions and management online is quick and easy (from our point of view).

So far no problems and we got no hits at all.

The next option was Deutsche Bank and Barclays 0'39 differential, nor was wrong then. But surely soon on-line institutions offer more of a differential of less than 0.20 (and any).

Hola a tod @ s!
I requested subrogation to ING of my current mortgage in Bankinter (Euribor +0.40) given that Sp to have salary paid directly euribor +0.18 offer me, my doubt is about the revision of the Euribor and that ING is biannual and in annual bankinter, and I wonder if the end'll end up saving you money.
The ING I was told at first that surrogacy is accepted and I'm coming by the passage of the Debt Certificate of Bankinter, a few days to continue the study. Can you tell me after I refused pricing subrogation? Thanks!

Hi sylvia

Can you confirm the differential of ING?

Until now offering 0.45 or 0.33 if you made the home insurance with them and domiciled payroll (or income equivalent period) in the payroll account.

I know that ING does in other better offers for products advertised (eg deposits), but I had never heard in the case of mortgages.

I am interested because I am a client of ING.

Greetings

Good Morning everybody, my name is Sergio and I am manager of ING Mortgage to tengais any questions do not hesitate to call me at 942 31 21 88.

A greeting

Hi,

The information on the ING Direct Orange Mortgage, she is "currently is:
Euribor Euribor +0.45 or +0.33 payroll and direct deposit with the Home Insurance market by ING Nationale-Nedelanden.
The rest remains a 0% on opening, amortization, total cancellation or subrogation.
Besides the payroll you back 2% of the main receipts.

Regards, David

Thank you very much, David. It is outdated.

I want to cambiarem ing (mortgage orange) but I'm afraid because it's not exactly ING DIRECT ... could disappear ...? would happen to my floor?

# 20, Sergio
Hello Sergio. I am studying the case, my mortgage is at BBVA, but we changed in the coming months to ING.
Can you give me the differential of 0.18 if I already have my salary paid directly? Will I would need another household payroll?
Thanks

I this thinking about changing my mortgage from Barclays ing ... but would like more information about homeowners insurance that force you to take. Someone can tell me that this is? And especially for what comes out ...

I changed to ING in November I was offered the position I found incredible, euribor +0.18 and +0.18 if I returned the 10% of my major bills, electricity, water, phone ... .. I only had a problem with my old bank was that I wanted to crate was charged double the commission of subrogation, but after putting several complaints and claims ceded. Very happy with ING had only to debit your payroll and take your insurance with me mafrhe which incidentally came out even cheaper than it had with the same condition it was in decline.
To my ING to OK OK OK OK OK OK.

HELLO IF ANYONE WANT TO READ MY COMMENT that told me my review of EURIBOR IS IN APRIL AND THE BANK TOLD ME TO HAVE TO CATCH THE EURIBOR 2 MONTHS BEFORE, IS THAT TRUE? CAN ANYONE HELP ME?

Hello I am manager of ING mortgage my name is Manel Ferrer 656861653 EURIBOR 0.33% FACT OR COMMISSIONS

# 28, Manel Ferrer
Manel a question, as discussed by here you can apply 0.18 instead of 0.33? that the conditions that you apply for this differential? And it is true q returned by 10% as discussed here or is 2% as the advertisement says?
Thanks in advance

Yes friends, it is certainly a wonder mortgage, if we consider the rest, the access problem, the level of demand is that you can borrow only 35% have someone explain to me, that almost anyone can nocreo afford it. That is, if you are a mortgage amount of € 1,000 per month to 40 years, you have to win 3000, if you do not give it, to rest from other requirements, such as 80% of housing, working lives impeccable and others I can not remember ... in order that if you're poor you do not give it, you'd better have a good peak in her bank or bad cam ...

Hello everyone, it is only +0.18 e for some customers and the repayment of 10% of the receipts was a campaign spot.
And +0.33 is usually 2% and receipts.

A greeting

Ing anyone know if it gives you 80% of valuation or value of the property?
Thanks

As I understand I give you 80% of the lowest value, the assessment or the price of scripture.

Anyone know how this works and stable rate base to calculate daily.

Thanks

Hello, I pass Santander Central Hispano to Ing-Direct, and not if I was lucky, but is the best investment I ever made.
It all started when quic buy a place of Parkin, asked for an extension to Santander, and they pay me proposing a person, as the extension by 5 million made me pay double the personal loan. A madness which I never understood. Then I met Engl, in two months will solve all the problems despite some Travas I found, especially on the part of Santander, security issue, of how that would change the mortgage and closing on Santander.
It should be noted that Santander attempt to make a counter proposal, but first principle, and second because it exceeded the supply of Engl, and of course this also had a big weight on my Desición, change and repeat, I am very happy.

Now that Santander has improved his offer, I listened Euribor + 0.25, is interesting, only to be read the fine print and certainly not to do to attract customers, that it release to those who have relied on sel them not to leave.

Greetings and good luck to all, because truth to face a mortgage for us mileurista is a matter of luck.

hello, my name is Jordi Sainz and I am a manager at ING, for any questions you can contact me sore mortgages to 639902838;

on mortgages, say we offer one of the most competitive in the market, and +0'33 (payroll direct deposit and home insurance), up to 80% of assessed valuation and 0% commissions.

for those wondering about home insurance, say insurance is very comprehensive, with very good warranties. (ie: flat of 70 m2 and furnishings valued at € 18,000 insurance cost around € 195 annually.)

For any questions / information, do not hesitate to contact (639902838)

We also offer a comprehensive advanced products, both savings and investment * and Prevention (autonomous insurance included)

* Unique and revolutionary product in the Spanish Market (more than 100M € from April to December 2007), only traded in the U.S. and Japan, with very good reception.

# 35, jordi sainz
Hola Jordi. I am yet to surrogacy, only with how bad I is running the ING site in recent months (outdated information, changing conditions as Ingers orange realized overnight, if the reference is December 21, that if we changed to February 8 and so on. so far provided for the bank ...) I'm thinking about it, I'm afraid. Moreover, as there are banks with names to match or even improve your conditions, then finally I see pretty painful with ING. I'll give examples: OficinaDirecta (Banco Pastor) is a carbon copy of your offer. ActivoBank (Banco Sabadell) offers +0.30 and +0.22 without insurance with them.
I'm about to (if this does not change before the end of April) to close the account orange.

JOSE MARIA ...
I BRANCH IN FEBRUARY AND VI IN TWO YEARS THAT I DO NOT SQUARE WITH ACCOUNTS EURIBOR but what came out better than I expected MUCH I DO NOT WORRY.
IN FEBRUARY THIS YEAR THERE'S a slump and I EURIBOR I rubbed my hands When I saw that I was given THE DECEMBER. In reviewing the previous two years (the difference was far more subtle) I saw that they have always done

I can only congratulate you, because I think that if you Check with the EURIBOR FEBRUARY INSTEAD OF APRIL, take a chance.

Hello, I would ask the mortgage provider ING. If still in force differential to 0.18 I see in some post. ING requested that conditions to reach that Euribor + 0.18? And lastly I would like to know, that% of your monthly income, regard as maximum total debt (including other possible credits)?
Thanks in advance

hi! I just wanted to know what data are needed to make a proposal for a mortgage on a house under construction, and comment that in my case I would need 100% of the value of tasacionya that my needs are 200,000 €

Hello everyone ING Mortgage is outdated, there are many cases (Caixa Galicia, Caja Duero ..) and online entities (ActivoBank, one-and ..) to improve significantly to 0.33 differential.
In my opinion there are currently several entities that exceeded.
Compare yourself only to consult (in individual boxes in the online internet) really worth comparing
Greetings

Hello!
I have my mortgage with Banco Santander and I charge a spread of 0.80 (an atrocity). We will go to Caja Madrid that offers 0.25 but requires you to open up a pension plan, to debit the payroll and household insurance contract with Mafre. Also a debit card and a credit ... we do not return the 2% of the receipts are domiciled. Poartă But then there is a physical place where claim, to me it gives me confidence.
greetings

Good morning.
I think looking at mortgage is not only if the differential is 0.20 or 0.33 also, but the fine print and associated products. For example:

1. ING - 0,33 Differential semiannual review, without opening costs and no fees for partial cancellation (min 1.500Eur.) Total or subrogation or associated with payroll account with 0% commission and return 2 water bills, electricity, fas, telephone, adsl, ... and debit and credit free of commission in cash or 4B Network Red6000. Requirements, borrowing less than 35% and amount of the mortgage not exceeding 80% of the appraised value.
As of today, published last Euribor (February), 4.94% APR

2. ActivoBank (Sabadell) Differential 0.22. (Applicable contracting the life insurance and home insurance Mortgage Loan related to life insurance without Euribor +0.30%. The home is required) No charges for opening and no fees for partial or total cancellation. Is associated with an active account, current account that is used to view the operative channel of the various products and services linked to another bank account of your "main bank".
To date, making reference to the Euribor published in December (November) and is an APR of 5.27%

In my case I seek subrogation from 80,000 usd to 15 years.

With ING pay a fee of 619.33 the first 6 months and some 180 homeowners insurance.

With Activobank 638.77 the first year, about 180 home insurance € 400 € and life insurance.

Personally I think ING is more interesting.

If anyone thinks I'm wrong or know of any better option I'm all eyes.

Thank you.

I need help. I signed my mortgage on March 16 for 2 years. I have reviewed the uribor I reached 4.79%. How come? Assuming that you check it two months earlier, should not have taken the average Euribor January?. In January was at 4.43% + -. Do not understand. The bank told me that in January was at 4.79%.

Thanks
Carol

Clopez would be interesting to update data, today ING differential is 0.45, not the famous and 0.33.
Congratulations on the web

ING Direct Mortgage ante is very interesting, now that people work with a very defined, do not leave those parameters if you do not deny the mortgage. I think the initial study should be more strict and do not waste time or releasing records without further personal and private. My case they are called to combine two mortgages, via website first and then by telephone, I explained that I subrogated to expand the capital and thus cancel the two mortgages, I gave them my business income more income from rental second home, I have no personal loan etc etc .... Well until I sent the documentation called me wondering if he was going to send and always took the opportunity to answer questions before sending all these documents because I did not fucking grace after that I shall deny it had, everything was well and fulfilled what they said I needed to be granted, I delighted in principle because it extended the time and joined to a lower differential for giving me a peace and a better quality of life, plus I started to tell me to transfer all with them, payroll, insurance, receipts, plans for this always calling your number is not free to say it's not 902 .... To that end it uncovered and let me discover because it does not have deigned nor call less to say that I was not granted. Because of all this and many other things that left me, it would be wise to not spend much money on advertising and a little more in examining each case, as I have seen this forum to announce many people who work at ING Direct I leave my phone have if they can explain it, because I do not waste another minute with them, only lose it now to give them bad publicity and so far I've gotten a family member as a friend not applying for possible subrogation with them. 665737308 "Greetings.

Good morning again.

For those who can serve mention my experience with ING.

Finally in early April via the Internet requesting subrogation of my current mortgage to the mortgage from ING.

Two days later at home had an envelope with all information and forms requesting subrogation and a binding offer.

He had already asked me for documentation prepared so I called them to come and pick it up. At that time a manager looks at all documentation by phone, before sending the messenger to check that everything is correct. The manager asked me if I could make an assessment because using it could save some money for expenses and also that they would study the issue of commission by subrogation to apply to see if they could apply a 0.5% or 1 %

Last week I called to tell me that surrogacy is approved and who came to send the documentation to the private agency who take care of formalities with the bank before they send-binding offer and request the certificate of debt outstanding, the notary, registration, ... - and that these arrangements would take about 15 or 20 days, they have to leave time to another bank to respond.

I forgot to mention that before that call I received a letter at my home in which ING is committed to maintaining the conditions of the binding offer (February Euribor + 0.33 = 4.78% APR) despite having raised the Euribor and have modified the conditions of their offer-which has become a spread of 0.45 - if the signature is by 30 June.

So, no, now I have to wait ... Seeing the evolution of Euribor recent weeks I am delighted. Although a little afraid of the long delay and approaches on June 30. Ya os iré contando ...

A greeting.

Do not be so happy you pq the Euribor is applied at that moment, the current
eu tb I'm in procedure, then d ela tasacion you can reject the mortgage?

how long it takes in the proceedings, since they receive the documentation until the time of signing?

# 47 I started the business with ING for a mortgage in November and signed in January. I complied with the conditions of November.

The only thing I recommend is that better than anyone and will Cajasol which I played to me when me a mortgage, they and a manager of Huelva, because when we signed was when we found out that my parents were not guarantors but Mortgage holders next to me, taking payroll that roamed 1.800 € and 119,000 €. Now I'm paying almost € 600 per month, I started paying 366 two years ago and lost over 50% of the mortgage to declare when in wealth. Do not want to acknowledge their mistake, because a relative got the same type of mortgage with a payroll of 900 € and for a value of 145,000 €, and tell me that if I want to fix the mortgage I have to rewrite all costs to my account. Shame Cajasol, was good even though El Monte did, but only changing the logo ...