Voki1
2015-01-02 21:25:12
- #1
With all due respect, that is nonsense. The interest rates are by no means "more than one percent" higher than usual. That would mean that you would effectively get 2.52 for 25 years somewhere.
And yes, the level of the repayment rate suggests a limited capacity to service the debt. That might also explain the condition slightly above the normal interest rate for first-rank financing.
The stereotypical repetition of allegedly self-obtained "dream conditions" and the statements that an offer is "far" above the normal rates only confuse. There is ALWAYS a certain range in the level of conditions. On the one hand (again) the personal creditworthiness of the debtor, on the other hand the available securities. Ultimately, regional aspects and the choice of the financing credit institution also play a decisive role in the level of the condition. For many customers, a slightly higher condition with personal support from the regional bank is exactly the right solution. In any case, often better than a mountain of paperwork that first needs to be penetrated. Later, there may be (expensive) difficulties when disbursing the loans.
Don’t take it the wrong way, but I sometimes react slightly allergically to generalizations and simplistic statements. It is (almost) always necessary to differentiate, and often a whole range of circumstances plays a significant role in almost all issues. ;-)
And yes, the level of the repayment rate suggests a limited capacity to service the debt. That might also explain the condition slightly above the normal interest rate for first-rank financing.
The stereotypical repetition of allegedly self-obtained "dream conditions" and the statements that an offer is "far" above the normal rates only confuse. There is ALWAYS a certain range in the level of conditions. On the one hand (again) the personal creditworthiness of the debtor, on the other hand the available securities. Ultimately, regional aspects and the choice of the financing credit institution also play a decisive role in the level of the condition. For many customers, a slightly higher condition with personal support from the regional bank is exactly the right solution. In any case, often better than a mountain of paperwork that first needs to be penetrated. Later, there may be (expensive) difficulties when disbursing the loans.
Don’t take it the wrong way, but I sometimes react slightly allergically to generalizations and simplistic statements. It is (almost) always necessary to differentiate, and often a whole range of circumstances plays a significant role in almost all issues. ;-)