Mortgage orange

hello ....! I need to make a mortgage, if you will. to be able to do a few things and improve, TARBAJO LLEGO BUT NOT ALWAYS AT THE END OF MONTH, 678136554.972431874.

ING is one of these "professional swindlers," you put it
all very nice, very nice, but when it comes to the
you really stop lying. Te CLEAR OF LAN SOLICTIUD
MORTGAGE, AND SENT TO THE DOCUMENTATION AND DO NOT
SAY NOTHING OF NOTHING !!!!!!!

hello, I would be interested to know details and reviews of people knowledgeable about mortgages. I have a mortgage in 25 years and I've been offered by phone for sure if that raises the Euribor plus 4% would pay no more than 4% and if I am receiving low down the Euribor, I would like to know whether it was a ruse because of the banks will lower the Euribor in the coming years. Also I would like to know the bank can report the hike to collect more interest and not inform the client when the low uribor? Is this legal? Can I see if the low Euribor, which I pay mortgage? thanks in advance Loli

What is this offer, Loli is rare for balls, forgive the expression, because the Euribor is now taking place in the 4%. If real, would seem to me a miracle but come on, if it is, YA signature before they throw back because it is the biggest plum in the history of Spanish banking.
And no, it is not legally do not lowers the warning when the Euribor. But come on, if you do not trust, to be a little attentive to the news have no problem to find yourself alone.

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

Patricia, sell and buy another cheaper. It's hard, but we also know that the other: not having children. Politicians did not sign your mortgage, though, do not worry, take steps (in fact already doing so) to boost the birth rate, with respect to the proposed rental housing. There is no more in this world ...

I'm sick of seeing advertising on all pages ING Real Estate and economy. At the moment of truth apply for the mortgage and NO TE granted
Last year, my partner and I had a net income of € 42,500 (about 3500 € / month) and we need a mortgage of 250,000 €.
After 50 days of sending all our documentation and rated housing (275 €) told us that it was not viable because our salaries were mostly in commissions, as we are commercial and have "little flat."
WHAT WE could have Disch BEFORE, NO?
€ 275 of valuation are nothing when compared with the hard time with us have to spend looking for "correprisa" another bank. ALMOST LOST THE FLOOR! because what we signed 2 months after the expiration of the contract earnest.
Thanks to the sellers and the agents who understand the situation we are now enjoying our new home, despite ING ...

Outraged, I would claim for yourself at least 275 €. You can do it in the office of the consumer. Thus, by the way they touch her a little h.. Vs to those of ING ....

ING to us because we have been granted € 208,000 mortgage and are asking our income from 2800 € / month approx.
Since he delivered the documentation until I confirmed that the mortgage was pre-approved in the absence of valuation did not go 5 days. The valuation was done after 3 days later and 5 was approved. Besides, we already have date of signature.
I can not complain, truth, the deal has been correct, the valuation a little lower than estimated respect but nevertheless we have granted: Euribor + 0.33, household insurance, no guarantor (not contemplate such a figure ), 0% in commissions, credit and debit card free, and so on. (conditions of the payroll account associated with the mortgage).
In our case, publicity has come true so far and hope it continues until the signing
I recommend it.
Luck and a greeting

Hey, just give me the mortgage and orange're awaiting signature. I am awaiting the mail from the manager indicating the roles they need ... o. As you could tell it takes until the signing of the deed?

m like to know from someone who Haig Canvi mortgage ing.para to compare experiences

We have been half a year mortgage of 220,000 euros with them, the Euribor + 0'33, the best we found in that time. Do not charge commissions and management over the Internet is agile and comfortable (in our view).

For the moment no problem and we do not put any hits at all.

The next option was to Deutsche Bank and Barclays Differential 0'39, nor was wrong then. But sure that the entities will soon offer more on-line with a differential of less than 0'20 (whether there is any).

Hello to everyone s!
I asked subrogation to ING of my current mortgage in Bankinter (Euribor +0.40) as Engineer for having me offer payroll domiciled Euribor +0.18, my question is about the revision of the Euribor since ING is in semi-annual and Bankinter in a year, and I do not know if you end up saving money finish.
The ING have told me at the outset that the subrogation is accepted and already I'm going by the passage of the Certificate of Debt with Bankinter, in a few days to continue with the study. Can you tell me after the valuation that I deny the subrogation? Thanks!

Hi sylvia

Can you confirm the differential of ING?

Until now offering 0.45 or 0.33 if you did the insurance with them from home and located the roster (or regular income equivalent) in the payroll account.

I know that ING does in other products of the best deals advertised (eg deposits), but he had not ever heard in the case of mortgages.

I am interested because I am a client of ING.

Greetings

Buenos Dias everyone, my name is Sergio and I am manager of ING Mortgage, you have any questions do not hesitate to call 942 31 21 88.

A greeting

Hello,

The information on the ING Direct Orange Mortgage, is outdated, it is now:
Euribor +0.45 or Euribor +0.33 domiciliando payroll and the Home Insurance marketed by ING Nationale-Nedelanden.
The rest remains in a 0% open, depreciation, total cancellation or subrogation.
Besides the payroll you return the 2% of the principal receipts.

A greeting, David

Thank you very much, David. It is already updated.

I want to cambiarem ing (mortgage orange) but I was not afraid because that is exactly ING DIRECT ... could disappear ...? that happen to my apartment?

# 20, Sergio
Hi Sergio. I'm studying the case, my mortgage is at the BBVA, but we think change in the coming months as ING.
Is it possible for the differential of 0.18 if I already have my payroll resident? Would I would need another household payroll?
Thank you

I think this change in my mortgage to Barclays ing ... but I would like more information about the home insurance that you are obligated to make. Someone I can say that this is? And above all by what comes out ...

I changed to ING in November they offered me conditions that I found incredible, if the Euribor +0,18 and +0,18 me back 10% of my major bills, electricity, water, telephone ... .. I only had a problem and went with my old bank that was banasto who wanted to charge me double the commission of subrogation, but after putting on a number of complaints and grievances relented. Ing very happy with only had to nominate your home and pick with mafrhe insurance which certainly left me even cheaper than I had with the same condition it was in decline.
For me to ING OK OK OK OK OK OK.

HELLO IF SOMEONE TO READ MY COMMENT I WOULD LIKE ME report my EURIBOR REVISION OF APRIL IS IN THE BANK AND ME HAS SAID THAT HAVE to take the EURIBOR 2 MONTHS BEFORE, TRUE? ANYONE CAN HELP ME?

Hi I'm manager of ING mortgage my name is Manel Ferrer 656861653 EURIBOR 0.33% TRUE OR COMMISSIONS

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

If friends, it is certainly a marvel of mortgage, if we take into account the rest, the problem for access, the level of requirement is that you can only debt 35% someone explain it to me, that almost nobody can nocreo afford. That is, if you go to buy a mortgage worth € 1000 a month to 40 years, you have to win 3000, if not we will not give to others of other demands, such as 80% of housing, an impeccable work life, and others who no longer remember ... in order that if you're poor does not give you, you better have a good peak in the piggy bank or bad cam ...

Hello everybody, and what of +0.18 is only for certain customers and what the repayment of 10% of the receipts was a campaign spot.
And usually is +0.33% and 2 receipts.

A greeting

What if ing gives you 80% of the valuation or value of the property?
Thank you

As I understand I give you 80% of the lowest value, the valuation or the price that writes.

How it works kind of stable and based on that calculate daily.

Thank you

Hi, I pass Santander Central Hispano to Ing-Direct, and do not know if I was lucky, but it is the best investment I've done.
Everything started when quice buy a place of Parkin, I requested an extension to Santander, and them I intended to give a person, because with the expansion by 5 million to pay me twice with the personal loan. A madness that never got it. Then I met Eng, in two months will solve all the problems despite some I found through, especially on the part of Santander, theme insurance, how that would change the mortgage and closing in Santander.
It is noteworthy that the Santander attempt to make a counter proposal, but the first principle, and second because it exceeded the supply of Ing, and of course this also had a big weight on my Decision, shall change and I repeat, I am very happy.

Now is that Santander has improved its offer, I listened Euribor + 0.25, it is interesting, only to be read in the letter small and certainly not do so to attract customers, which is what ofrescan those who already rely on sel them not to leave.

Cheers and good luck to all, because the truth to face a mortgage for us mileurista is a thing of luck.

Hello, my name is Jordi Sainz and I am a manager of ING; any doubt sore for mortgages can contact me at 639902838;

on mortgages, say we offer one of the most competitive market, with e +0'33 (residing nominates and home insurance), up 80% of the value of the valuation and 0% in commissions.

for those who wondered about the safe home, safe to say that it is a very complete, very good guarantees. (eg 70 m2 floor and furniture worth € 18,000 insurance goes for about 195 € ANNUAL.)

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

In addition, we offer a comprehensive advanced products, both savings and investment * and prevention (including insurance for autonomous)

* SINGLE AND REVOLUTIONARY Product in the Spanish market (more than € 100M from from April to December 2007), only marketed in the U.S. and Japan, with very good reception.

# 35, jordi Sainz
Hi Jordi. I am yet to make surrogacy, just as bad to me is running the page from ING in recent months (outdated information, changing conditions in mind what ingersado orange from one day to another, that if the reference is The December 21, that if you change to the Feb. 8 and so on. until now always in favor of the bank ...) I'm thinking, I am afraid. In addition, as there are banks with names and surnames that match and even improve your position, because finally I see quite chungo with ING. You get examples: OficinaDirecta (Banco Pastor) is a carbon copy of your bid. 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 renewed in February and for two years VI ME NOT SQUARE WITH THE ACCOUNTS EURIBOR, BUT CAME OUT AS BEST NON than I expected I am very concerned.
IN FEBRUARY THIS YEAR there was a downturn EURIBOR KID'S AND ME rubbing their hands VI TO ME WHEN APPLYING THE DECEMBER. LOOK TO THE PAST TWO YEARS (THE DIFFERENCE WAS VERY SUBTLE MORE) HAVING SEEN THAT HE ALWAYS HAVE DONE

I can only congratulate you, because I feel that if TE re-EURIBOR FEBRUARY INSTEAD OF APRIL, YOU GET LUCKY.

Hi, I'd like to ask the managers of mortgage ING. If the differential is still in force at 0.18 am that in some post. ING conditions that calls for reaching that Euribor + 0.18? And finally I would like to know which% of your monthly income, as considerais maxima of total indebtedness (including other possible credits)?
Thanks in advance

hi! I just wanted to know which data are necessary 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 to all the mortgage from ING this being outdated, there are lots of boxes (Caixa Galicia, Caja Duero ..) and online entities (activobank, an e-..) that improve fairly 0.33 differential.
In my opinion there are now several entities that exceeded.
Compare yourselves alone consulting, (the boxes in person, online at the Internet) really worth comparing
Greetings

Hello!
I have my mortgage with Santander and I paid a spread of 0.80 (a lot). We're going to go to Caja Madrid, which gives us 0.25 but requires you to open a pension plan, a household payroll and underwrite insurance from home with Mafra. Also a debit card and credit ... we do not return the 2% of the receipts domiciled. But on the other Poarta there is a physical place where he claimed to me that gives me security.
a greeting

Good morning.
I think that in looking mortgage is not just whether the difference is 0.20 or 0.33 also, but the fine print and associated products. For example:

1. ING - 0.33 Differential with six-monthly review, with no charge for opening and partial cancellation fees (min. 1.500Eur.) Either fully or subrogation, associated with payroll account with 0 commissions and 2% return receipts utilities, fas, telephone, broadband, ... and debit cards and credit committee without free ATMs in the network 4B or Red6000. Requirements, borrowing less than 35% of the mortgage amount and no more than 80% of the value of valuation.
As of today, with the Euribor published last (February), 4.94% APR

2. ActivoBank (Portsmouth) Differential 0.22. (Applicable recruiting the life insurance and insurance-related home mortgage loan Without life insurance Euribor +0.30%. Of the household is required) No charges for opening and cancellation fees without partial or total. Is associated with an active account, that account before it is used to channel the operation of the various products and services linked to another bank account from your "bank".
As of today, making reference Euribor published in December (November) and is an APR of 5.27%

In my case I seek a subrogation of 80,000 eur to 15 years.

ING to pay a fee of 619.33 in the first 6 months and about 180 home insurance.

ACTIVOBANK with 638.77 in the first year, about 180 € insurance from home and about 400 € life insurance.

Personally I think ING is more interesting.

If someone thinks that I am wrong or know of any better option'm all eyes.

Thank you.

I need help. I signed my mortgage on March 16 from 2 years ago. I have reviewed the uribor me has reached 4.79%. How can that be? If it is assumed that you check two months earlier, would not have taken the average Euribor January?. In January was 4.43% + -. I do not understand anything. In the bank have told me that in January was 4.79%.

Thank you
Carol

Clopez, it would be interesting to update the data, to date the spread of ING is 0.45, not the famous 0.33.
Congratulations on the Web

The mortgage from ING Direct, a priori is very interesting, now that people are working with a very definite profile, you do not get out of those parameters that if you do not deny the mortgage. I think the initial study should be more rigorous and do not lose any time and hand over personal documents and closed it. If I call them together for two mortgages, via website first and then by phone, told me that subrogaría expanding the capital and was canceled so the two mortgages, gave them my income working more revenue by renting the second house, I have no personal loan ... etc etc. Well not until I sent them the documentation called me asking me when was going to send and always exploited to resolve questions before sending any such documentation, because I did not bloody grace after that I had refused, everything was They played well and according to what is necessary to be granted to me, I happy in principle because it extended the time and this coupled with a spread lowest since I was a quiet and a better quality of life, in addition started to learn to transcend everything with them, payroll, insurance, receipts, which plans to all this always calling their number no coincidence that that's not what they say 902 .... To that end discovering at the end and that means discovering, as they do not have nor has he deigned to call the less to say that I was not granted. It is for all these and many other things I leave, that would do well to not spend so much money on advertising and a little more studying each case, as I have seen that this forum will announce many people who work at ING direct them leave my phone have if they can explain, because I have not lost any longer with them, for the moment only to lose them bad publicity and now that I have achieved so much a family as a friend not apply for possible subrogation with them. 665737308-Greetings.

Good morning again.

For those who can serve my experience with ING said.

Finally in early April to seek a subrogation over the Internet from my current mortgage to the mortgage from ING.

Two days later took home an envelope containing all the information and forms for requesting subrogation and a binding offer.

He had already asked for documentation that I prepared so I called her to come to collect it. At that time a manager looks back on the phone all the documentation, before sending the messenger, to check that everything is correct. That manager who asked me if I could make a valuation and that using it could save some money for expenses and also that they would explore the theme of the committee for surrogacy to apply to see if it could apply a 0.5% or 1 %

Last week I called to tell me that the surrogacy is approved and which came to send the documentation to the agency, who handle the paperwork with the bank sent them above-binding offer and request a certificate of outstanding debt, the notary, registration, ... - and that these procedures take about 15 or 20 days, then have to leave some time at another bank to answer.

I forgot to comment before that phone call I received a letter from my home in which ING undertakes to keep the terms of the binding offer (February Euribor + 0.33 = 4.78% APR) despite having risen and the Euribor have changed the conditions of its offer, which has become a spread of 0.45 - provided the signature is before June 30.

So nothing, now I will wait ... Seeing the evolution of the Euribor recent weeks I am delighted. Although a little afraid of that and much closer to delay the June 30. You go and counting ...

A greeting.

because you are not so happy pq the Euribor you apply is that at that time, this force
eu tb I'm in procedure, then d ela Taxation you can refuse the mortgage?

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

# 47 I began the formalities for a mortgage with ING in November and signed in January. I respected the conditions of November.

The only thing I advise is that cajasol will be better than anyone because I played at the time to make the mortgage, they and a manager of Huelva, because when we signed was when we learned that my parents were not guarantors but Holders of the mortgage right next to me, taking payroll of around 1,800 € and € 119,000. Now I'm paying almost € 600 a month, started paying 366 two years ago, and lost over 50% of the mortgage when it comes to declare it in wealth. They do not want to acknowledge its mistake, because a family member got the same type of mortgage with a payroll of 900 € and with a value of € 145,000, and they tell me that if I want to fix it I have to rewrite the mortgage with all costs to my account. Shame on Cajasol, El Monte was good even when I did, but only change the logo ...