White Stuff On My Clit

Today mortgages are rapidly changing and increasingly long.
Only 10 years ago, I think can make a loan of 40 years?
This is no longer a problem why?
Why is the business Banks, money that buys and sells it to you.
A very simple method to gain a growth industry.
In this sentence there is a very important concept. You is not you make a loan to buy the house, you pay a mortgage to buy the house.
may seem like the same thing but it is not. When you go to the bank to apply for a mortgage you have to think of entering a boutique to buy a product (mortgage) and not be afraid to ask for a discount.
Discount?
Yes, discount. When the bank grants you a mortgage offers an interest rate equal to the cost of money (cost of acquisition of the bank Euribor / Euris) + the spread (the profit of the bank).
The spread ranges from a minimum to a maximum that the bank does not tell you ever.
Beware that having a spread of 0.6% or a 1.5% means a lot in terms of money paid to the bank loan in the next 40 years.
on balance is not difficult to find a difference of € 50,000 in interest!
You have to ask the discount on the spread, that's your goal. Getting the lowest spread and not the lower rate. The bank can play on the term or the term loan at a fixed rate and variable so you can see a low installment, you should always check the spread.
E 'has just been introduced to the portability of the loan which the banks can not you tying up the loan with the bank account and various criminal extinction, so contracted, especially currency and get more proposals. Today we have a great opportunity
competition in our favor.
You know it's quite common to find better economic conditions in a bank in the same group but has a branch in a place other than where is the house? Why? For the competition, remember that you are a customer of the bank at which to sell a product (mortgage) you'll pay dear, but mainly because the mortgage is the first step to retain a customer.
If you decide to buy a house through an agency, in most cases, we offer them the loan of a particular bank. I'm not saying it is not right, but always check you first hand that this mutual is what you need. Become the most important item in your monthly expenditure of the household budget.

And what did you spread? Leave me a comment so we can all see how the same banks offer different spreads for the same products and above all discover how far banks can go down if we have more data available.

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