Home financing canceled despite payments, house now double the value

  • Erstellt am 2022-01-23 20:03:21

aero2016

2022-01-24 07:49:37
  • #1
How do these informations help you in answering the questions?
 

HilfeHilfe

2022-01-24 07:52:20
  • #2
Then you can assess whether she has a chance to find a new bank
 

Hyponex

2022-01-24 08:44:42
  • #3

it does not matter whether it is a prolongation or forward, if it is done at the house bank where the financing is currently running, the bank does not have to do a credit check if it has always been paid properly.

the house bank often already offers a follow-up financing offer 6 months in advance, which you only have to accept (signature is sufficient)
 

Benutzer200

2022-01-24 09:59:20
  • #4

I understand that – I have been working in this field for almost 30 years. But if documents are submitted, you have to look at them. And if they are bad, act accordingly.
If applicable, the end of the financing term might also have been reached. For example, we make such contracts with all commercial customers – interest fixation = end of term.
 

kati1337

2022-01-24 10:13:52
  • #5
For me, the whole thing is a book with seven seals. What is meant by "changed for the worse"? If I am temporarily unemployed now, I would not take exactly this point in my life to send the bank new household service documents UNREQUESTED and to ask for an interest rate offer, especially if I still have 2 years left. If there is an income, but it is only lower than before, then I wonder how much lower / how tight the financing was for it to have an effect? I would also consider guarantors if the parents are helping out anyway. But without more data from the OP, this will remain speculation here.
 

HilfeHilfe

2022-01-25 06:05:15
  • #6
No mistake has even been made here. Financial changes that lead to a significant deterioration must be disclosed according to common loan agreements with the bank. It's just that no one does this and prefers to forgo the Bulgaria vacation.

It is also completely legitimate if the bank does not offer follow-up financing; it does not have to. The original poster still does not tell the framework conditions so that he/she can help the girlfriend.

A pity
 

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