The new agreement for Government mortgages with the main banks in the country will help alleviate the burden of many families who are being drowned after the rise in the Euribor today. However, not everyone meets the requirements and people are already looking for alternatives to mortgage assistance . At Housfy, we help you! Find the best mortgage without mistakes Going from bank to bank is a thing of the past. It is essential that the mortgage is on a primary residence and that its price does not exceed. This package will take effect on January 1, 2023. Review the requirements for the Government’s new mortgage aid package . You can check it out in the article below. Mortgage aid requirements: who can apply for them? I meet all the requirements, but my bank has not confirmed its adherence to the Government’s package of measures. For all of them, there are alternatives on the market that you can hold on to.
Negotiate better conditions with your bank
Even if you do not fit the profiles that can apply for 2022 mortgage aid, you can always make an appointment with your bank and review your situation . Your own bank can offer you changes through a process known as mortgage novation , and some of the options you can negotiate are the South Korea Phone Number List following: Change from variable to fixed mortgage . Variable mortgages are rising with the Euribor, which today already exceeds 2.8%. If you prefer greater long-term stability, getting a fixed mortgage may be your best option. Thanks to the new Government agreement, commissions for changing mortgage types are eliminated for everyone during 2023. Extend the term of your mortgage . If you need some short-term relief, agreeing to new terms for your mortgage can mean lower payments. You will have to keep in mind, however, that in the long term it will mean paying more interest. Get a lack .
Request a mortgage subrogation from another bank
If your bank has not confirmed its adherence to this new aid package and you find yourself in a critical situation, you can consider subrogating your mortgage to another bank that does offer them. Thus, apart from updating your conditions, you will be able to safely benefit from these aid for Australian phone number database Government mortgages. Don’t be scared by the term: it’s simpler than it seems. A subrogation basically means changing your mortgage to another bank that offers you better conditions. You just have to negotiate with another bank for a mortgage that suits you best and the rest will follow. Since the Mortgage Law of the costs of subrogation have been reduced. If you have doubts, you can clear them up with our article on mortgage subrogation.