Even those who took out a very expensive credit about six years ago, and paid interest for that above five percent, do gold business with such a credit revision, despite all the additional costs. Immotheker calculated that a revision of a mortgage loan with a fixed interest rate above 4.53 percent is still very rewarding.
Revision home loan costs money
A revision of your old but expensive home loan also costs you money. Consider, for example, the reinvestment compensation and various administration costs. If you also decide to change banks, then notary fees will be added. If you were in full crisis with an interest rate of more than 4.53 percent, then you can save a lot of money even with all the additional costs.
Revision also advantageous with variable interest rate
Anyone who took out a home loan with a variable interest rate a few years ago now benefits from a revision. Switching to a fixed or semi-fixed home loan can also be very rewarding for them. If you are in the latter case, then go to your bank or lender like lightning, and certainly request a credit revision.
Banks are very forgetful
The majority of compatriots who took out a mortgage loan, according to Immotheker, deal with it very carelessly. They mistakenly assume that banks will inform them of such a revision. Not so. Banks usually ‘forget’ to report such advantageous situations to their customers. After all, they do not like to hand over part of their expensive interest.
Annual revision of credit required
Your bank will therefore not just allow such a revision without a struggle. Don’t get wrapped up, because they are legally obliged to allow you such a review every year. Don’t wait any longer with your revision request. According to financial experts, the chance that the current interest rates will fall is virtually non-existent.
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