toxicmolotof
2017-10-07 21:38:42
- #1
Sorry for the late reply. I actually wanted to write yesterday, but when the text was almost finished, my phone battery died. After that, the motivation to rewrite the text was gone at first... but now...
So, actually you should have already paid for the house and would be paying a regular 380 euros interest. Unfortunately, that is not the case, so 875 euros BHZ are supposed to be charged monthly soon.
Now you can later try to go there and demand the difference of 495 euros per month (correspondingly less for half, correspondingly more for a longer time) from someone. Three things are important here: It only applies after the damage has occurred, you probably need someone to enforce it, and the success is uncertain. Beforehand, you can only threaten. Success: unknown. But you can ask, of course.
Now my ideas:
No. 1) Talk to your lending bank whether they would already pay out the money (against pledge) of the same on a separate account with them. Ideally, a money market account. Then you pay your 380 euros interest and might even enjoy 0.01% credit interest in the meantime. Unfortunately, you might have to pay negative interest at that volume. But 117 euros negative interest is still better than 495 euros loss due to BHZ. However, this does not work with direct banks, as they usually don’t cooperate with such things (pledge/transfer of accounts is excluded somewhere in the contracts). With savings banks, cooperative banks, and large banks, this should be feasible with some negotiation skills and friendliness.
No. 2) I am still surprised why the availability of credit funds should be more expensive than the credit itself. So try to reduce the BHZ to the level of the credit nominal interest rate. However, the success here would have been much greater if you had negotiated this before signing the loan contract. Good banks do this on their own. I am surprised that there are still banks that write these 3% into their contracts at all. But banks differ in this regard.
Good luck... I see No. 1 as the most promising.
PS: What (type of) bank do you have?
So, actually you should have already paid for the house and would be paying a regular 380 euros interest. Unfortunately, that is not the case, so 875 euros BHZ are supposed to be charged monthly soon.
Now you can later try to go there and demand the difference of 495 euros per month (correspondingly less for half, correspondingly more for a longer time) from someone. Three things are important here: It only applies after the damage has occurred, you probably need someone to enforce it, and the success is uncertain. Beforehand, you can only threaten. Success: unknown. But you can ask, of course.
Now my ideas:
No. 1) Talk to your lending bank whether they would already pay out the money (against pledge) of the same on a separate account with them. Ideally, a money market account. Then you pay your 380 euros interest and might even enjoy 0.01% credit interest in the meantime. Unfortunately, you might have to pay negative interest at that volume. But 117 euros negative interest is still better than 495 euros loss due to BHZ. However, this does not work with direct banks, as they usually don’t cooperate with such things (pledge/transfer of accounts is excluded somewhere in the contracts). With savings banks, cooperative banks, and large banks, this should be feasible with some negotiation skills and friendliness.
No. 2) I am still surprised why the availability of credit funds should be more expensive than the credit itself. So try to reduce the BHZ to the level of the credit nominal interest rate. However, the success here would have been much greater if you had negotiated this before signing the loan contract. Good banks do this on their own. I am surprised that there are still banks that write these 3% into their contracts at all. But banks differ in this regard.
Good luck... I see No. 1 as the most promising.
PS: What (type of) bank do you have?