Friday, 7 August 2015 – 11:56 Update: 08-08-2015 11:57
Property Owners can post a repricing hundreds of euros per year too much spent on extra risk premium in their mortgage rates because half of the number of banks ignores the accumulated amortization in the savings policy of the (banking) endowment mortgage. This is reported by Vereniging Eigen Huis (VEH) Friday.
“With a savings and bank savings mortgage solves a homeowner off the loan from a savings policy. At maturity, the housing finance in repaid once with the accrued savings. During the term of the mortgage remains although the same, but the risk for the bank decreases as the savings policy is filled, “says VEH.
Research by VEH shows that half of the major mortgage lenders ignores the accumulated savings. So expect ING, SNS, Delta Lloyd, Achmea and Obvion wrongly a risk premium of up to 0.5%. This applies especially to mortgages without National Mortgage Guarantee. Homeowners can so few euros a month net pay too much.
“It is incomprehensible that some banks hold unjustly an additional risk premium,” says director Rob Mulder VEH. “We call on the banks to stop doing this immediately.”
No comments:
Post a Comment