BBaumeister
2022-02-03 17:09:23
- #1
Hello everyone, maybe someone here already has experience with the following situation: We have split our mortgage into two loans. When the fixed interest period of one loan ends, we still have a fixed interest period of five years on the second loan, but could exercise a special termination right. The loan-to-value ratio would then still be 60% overall, which makes me expect good conditions.
Has anyone experienced this case before? Does the bank offer a new "complete package"? Or will the bank obstruct because they are still earning well from the loan with the long fixed interest period (we originally concluded it at 2.1%).
What would you do? We would prefer to have a complete package with a 15-year fixed interest period as a full repayment borrower. Then I would be 62 years old and the house would be paid off.
Has anyone experienced this case before? Does the bank offer a new "complete package"? Or will the bank obstruct because they are still earning well from the loan with the long fixed interest period (we originally concluded it at 2.1%).
What would you do? We would prefer to have a complete package with a 15-year fixed interest period as a full repayment borrower. Then I would be 62 years old and the house would be paid off.