The cost of mortgage will fall further by new opportunities to conclude direct lending for house purchase over the internet. So say some promoters of websites where consumers without the intervention of a counselor can go for a mortgage loan. Supervisor Authority for the Financial Markets (AFM) is a coalition agreement.
The cost of mortgage are already under considerable pressure since banks reduce rates . Rabobank expects a starter on the housing approximately € 1,000 to consulting and transaction costs. ING and ABN Amro are approximately € 2,000.
Cost
Bij mortgage advisers, the costs quickly up to about € 2500. Chains like if Hypotheker and Hypotheekshop justify the higher cost because they compare mortgages from all providers. A consumer can choose from about 25 mortgage providers.
New initiatives set the prices for mediation under further pressure. Tuesday made Internet entrepreneur Peter Ruys of Hypotheek24 known to € 650 charge for taking out a mortgage loan. Dynamic Credit also said in response to launch this summer a web platform at a lower cost than banks and use the traditional consulting firms.
Starter
The lower cost is possible because the initiators, focused on start-ups that are not complicated mortgages from the past will bring. Also, the administrative handling of the application for the most part is left to the consumer. A mortgage provider may decide based on that information to make an offer.
Hypotheek24 says working with ten providers’ execution only ‘accept. Ruys’ These include at Nationale-Nederlanden, Argenta, Syntrus Achmea and Delta Lloyd. “
Online test
Execution only is the term used by regulator AFM to indicate that the seller of a financial product only is limited responsible. To qualify to be done online at Hypotheek24 first test to determine whether someone is suitable. A bank or insurance company offering the mortgage loan remains responsible towards the customer.
Leading the Hypotheker said in a response that most people will not close without a mortgage advice. “It is complex and involves large sums,” says spokesperson Jill Aalders. Traditional advisers will have to make clear in its opinion why they ask for more money. Aalders “It forces you to focus on your value.”
Pressing the button
Dynamic Credit choose a model where consumers can choose between two models. “With us you can at any time decide to execution only to go for advice,” says Bouwe Kuik Dynamic Credit. “For the practice shows that pressing the button and € 250,000 whats borrow quite go far.”
Ruys expects the product is suitable for at least a quarter of all starters. This represents some 12% of the entire market. Ruys thinks consumers applying for a mortgage may just very well himself. “We are trying to dispel the myth that it is difficult.” The first customers have been following him online taken out a mortgage loan.
No comments:
Post a Comment