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A year of free mortgage for doing contributions to the pension plan

This is the curious offer that Bancaja does. In the crisis times that we live through the drawings they have become fashionable that never. It is already known that the people we usually look for a rapid exit to our problems and the financial institutions know it.

Bancaja will avoid the entire payment of a mortgage between his clients who do a contribution to his pension plan and also between the new clients who hire the product. There will have right to enter the drawing all those that do contributions or hire some Bancaja pension plan between November 1 and December 31 of this year. For those that do reach port between 300 and 3.000 euros, the entity will draw lots up to 40 mortgages Bancaja with a maximum limit for 9.600 Euros brutto for mortgage. Those that reach port between 3.000 and 10.000 euros will receive a gift MP4. The contributions that go beyond 10.000 euros will realize fertilizers in account, with an extreme amount for 3.000 euros. This way those that do contributions between 10.000 euros and 40.000 euros will benefit from a 1 % in cash and 1 % in the plan of free saving DoblePlan of the Valencian entity. Beyond 40.000 euros the clients will receive 3 % in cash more 1 % in DoblePlan. The only requisite to be fulfilled for the participant, without being provided with the contribution or hiring of the plan, is that a minimum of two years must remain inside the entity. Nevertheless they will be able to place them inside a wide scale of plans both of fixed revenue and of variable revenue that offers the entity without any type of expense.

This is one of many offers that we will see up to the end of the year and more bearing in mind the moment so bad that the pension plans happen. It is not a bad alternative although personally I have ever been lover either of the drawings or gifts. I prefer the offers in cash and without conditions!

Loan changed housing

Before the Spanish current situation, some boxes and banks throw new and attractive products to give facility to the users.

BBK, one of the pioneering banks in offering long-term mortgages, throws the loans I change housing, stated so that the financing is not a problem added for persons who change residence. Because to change housing implies many things more, they ocupans of the financing. This way, they adapt the financing to his needs, up to 50 years of term.

His characteristics are the maximum percentage 100 % of the value of the appraisal, term of 50 years, amortization system constant Quota, increasing Quota, or even Free Amortization.

For it there must meet a series of conditions, like the personalized initial interest rate and the rest of the period according to the link of the soliciting persons and of the percentage on the appraisal of the housing.

Also, BBK has presented Opari, the new card of gift that allows to the carrying persons, be clients or not of BBK, to realize the buys that they wish in any commerce. It is a card I prepay, across which it is possible to gain access to the amounts that are deposited in the shape of gift, in cash or against a BBK account.

He mortgages Relaxation Premium de LooK and Find

 

The well-known network of real estate agencies LooK and Find, it has presented the Mortgage Relaxation Premium, a financial product that is going to try to cover the demand of the consumers before the current situation of the market and the continuous fluctuations of the interest rates.

A mortgage that there can go so far as to cover 100 % of the appraisal of the housing

The new mortgage loan offers to the consumer a constant quota in his mortgage of up to 30 years. Always without changes in the interest rate.

On the other hand, the Mortgage Relaxation Premium, to answer to the financial straits for the families, offers up to 100 % of the amount of appraisal of the housing with a pay-off period of up to 40 years. Incredible that in the current times beech a mortgage that vubra 100 % of the appraisal.

The mortgage Relaxation Premium multiplies by 6 the years of pre-established fixed quota, guaranteeing to the client the quota that he will pay during a maximum of 30 years. Thus in the annual reviews, if the interest rate goes down, in every monthly quota the client will amortize more cardinal and will pay less interests. On the contrary, if the interest rate rises, the amortization will be minor and more interests will be paid.

Mortgages offer in July

I have realized a simulation in Bankimia, an excellent comparador of mortgages online to obtain the best mortgages in July.

The calculation has been realized by the following conditions:

150.000 Euros have been requested
Pay-off period of 30 years.
Variable interest rate

Top 10 mortgages

1. Young mortgage (100 %, maximum requisites, with guarantee) of Box Duero. Quota 862 €

2. Castile mortgages Young Housing (100 %) of Box The Spot. Quota 872 €

3. He mortgages à la carte (minors of 30) of One And. Quota 875 €

4. Young mortgage (100 % financing) of Bilbao Biscay Kutxa. Quota 876 €

5. Mortgage Discounted (maximum requisites) Caixa Girona. Quota 876 €

6. The first Mortgage of them Illes Balears of Sa Nostra. Quota 883 €

7. Canary mortgage of The Box of Canaries. Quota 881 €

8. He mortgages Bonus Clic - And of BBVA. Quota 881 €

9. Young mortgage (100 %, minimal requisites, with guarantee) of Box Duero Box. Quota 885 €

10. Canary Young mortgage (100 %) of CajaCanarias. Quota 894 €

Important

The idea of the simulation is to be able to contribute tracks of competitive mortgages but the information exhibited here should not be sufficient to decide to select one or other one. It is necessary to bear in mind that many of the mentioned mortgages force to the hiring of additional products (that get dearer the mortgage).

Also it is fundamental to be informed about other aspects like commissions, periods of lack, promotions, etc.

BBVA throws a mortgage destined for young people who look for house

The Bank BBVA has announced recently the throwing of a mortgage for young people that, for the first time, applies an interest below the euribor. The new mortgage blueBBVA has an interest rate of the Euribor less 0,25 points the first year and has for an object the young people who are provided with less resources and want to buy his first housing. The entity has increased the limit of the bonus of 1 % on having formalized the mortgage, from 1.500 to 3.000 euros. On having combined two helps (the type of the euribor - 0,25 % and 1 % of bonus), the saving in the monthly quota of the mortgage reaches the 225 for an amount for 150.000 euros.

BlueBBVA is a mortgage directed to the young people that combines financial and not financial offer and that has allowed the entity to receive more than 500.000 new young clients from his throwing one year ago. BBVA has raised his market share in 1,5 points in this segment, up to 10 %. The entity anticipates one year, 2009, his target to incorporate a million clients foreseen for 2010, announced yesterday Juan Asúa, the director of BBVA Spain and Portugal, in a press conference in Barcelona. To benefit from this loan, the value of the housing has to be equal or lower than 200.000 euros, the amount of the mortgage must not overcome 150.000 euros and the income cannot overcome 1.500 monthly euros, if it is a question of a holder, or of 2.500 euros if they are two holders. In addition to the interest rate, the holder benefits from a bonus of 1 % on having formalized the mortgage, with the limit for 1.500 euros, with what the entire saving for the holder of this loan promotes to approximately 225 euros a month.

For the young people who do not fulfill all the requisites and who are provided with major income, the entity has raised the bonus of 1 %, on having raised the limit for 1.500 euros to 3.000 euros. The mortgage is provided with all the advantages of the Mortgage blueBBVA, as it is the flexibility of term, quota and lack between others, this way - how a competitive interest rate from the second year that can come to euribor more 0,49 %, according to the link. The entity promises to answer in 48 hours.

Linkage | BBVA

100 % of financing in housings of TM Real estate Group

In mortgage loans Real estate Group is offered one of the innovations by TM. It grants to help to pay the mortgage if the housing to be paid belongs to some of his urban developments and the acquisition of produce during the first year. This offer will be current until June 30, 2008. For the primeras you investigate it grants the financing of 100 % of the recommended retail price, and for second 80 %.

This offer will apply in Sandbanks Beach, Lagunagolf and Terramar placed in Alicante and in Lookout ses Limes to itself and in Pinars de Murada for his housings key in hand. With this, TM Real estate Group tries to approach an average buyer in a real estate sector in which it is anticipated that the eurí-bor will go down in the next months to facilitate the access to the housing “this way - how to relieve the family budget during the first year” there exhibited íngeles Serna, marketing manager of the TM Real estate Group.

As the company finances with its own resources, the housings do not bear any more charges, what “constitutes a guarantee of solvency and any more calmness for the buyer”. A family that wants to buy a housing, has to pay the taxes that it generates and other expenses before the delivery of the key, therefore they think “that with this help, during the first year, the family can recover from all the extra expenses, simultaneously that supposes an incentive for the buy similar to those that the government proposes”, the marketing manager added notes.

From 1968 TM Real estate Group devotes himself to to the construction and commercialization of real estate products of the first and second residence. His departments take charge of the whole process of the construction and the sale of the housing, including the financing, adapting it to the profile of the client. To

Para more information consults la web of TM Group InmobiliarioÂ

He mortgages for young people, to 50 years

BBK presents a mortgage to 50 years specially for young people. For those persons who want to acquire his first housing, this entity offers loans to eurí-bor + 0,25 %.

It is new product of the Basque entity combines one of the lowest interest rates with the period of return of the longest loan, 50 years. This form is thought for young people of between 18 and 35 years that should want to buy his first house. Other one of his virtues is that there can be included the acquisition of a garage and a storage room.

As has informed BBK of which up to 80 % of what it corresponds to the appraisal +25 % and a pay-off period is provided with an interest rate of eurí-bor of up to 50 years. Also, as the rest of products that this bank offers to the young people, does not bear any opening commission and with him it is possible to finance the finished value of the appraisal.

BBK also presents this mortgage with a social sense, affirming that with her he tries to relieve “one of the most pressing problems of the youth, as it is the access to the housing”. He consists of answering to the financial aids that the young people needs using completely updated “” products.

The truth is that loan helps to be thrown to the acquisition of a housing, only 50 years of financial loyalty are needed.

information of five days

Novel Mortgage Entire Lack of Banco Pastor

Banco Pastor presents a new product on the mortgage market that can suppose big advantages and a breather for those that decide to change house, since it grants a finished year of abstention of payments.

The banking institution offers like innovation the Mortgage Entire Lack that allows not to do any expense for 12 months, neither of capital nor of interests. The general manager of Banco Pastor, Amadeu Font says that they know that we are in a moment of change of cycle and that's why they want to support all his clients “with all kinds of measurements that facilitate to him the change of house and the payment of his mortgages, finally the management of his patrimony”.

“This measurement already will help to change to improve the housing to many persons who at present are in this situation. Those who have to sign the buy of his new house without having sold the current one will have a year of lack and therefore of calmness and margin to sell the ancient one”, announced Font.

Banco Pastor informs that the maximum term to return the mortgage will be 40 years, including the year of lack.

Those that should be interested in the Mortgage Entire Lack can ask for more information calling 91 521 39 57 or consulting the web page of Banco Pastor

Rompedora de Deutsche Bank

Deutsche Bank has presented the mortgage Rompedora, the cheapest of the market, of eurí-bor more 0,17 points, and hopes to win with her 5.000 clients for the summer.

To The mortgage it is determined by the contract of a plan of protected payments, with 1 % of private capital, and of two insurances, one of life and other for the hearth. Also it is necessary to contribute 3.000 euros per year to a pension plan or an investment fund and to spend the same quantity with the credit card.

The client has a maximum of 40 years to return the agreed quantity, which will be 80 % of the appraisal of the housing with a minimum for 200.000 euros and the maximum age to complete the return is established in 80 years.

The product is thought for potential clients who could contribute the quantity for 3.000 euros to pensions or investment of ages nearer to the 35 that at the age of 25. This has been the announced for Michel Kisfaludi, general manager and person in charge of the division of private clients and companies in Spain. Kisfaludi pointed out that Deutsche Bank offers to the client several products because “it wants to be his bank”.

It saves 20 %

The mortgage can save easily 20 %, between 150 and 250 euros every month in contrast with the offers of other mortgages, most with a potential entre 0,5 and 1,25 annual points. Also this mortgage allows to enter across substitutions, that is to say, cancellation and change the second bank.

Other banks, also there are haiendo good offers, like Box Navarre with his Greedy mortgage, which supposes an interest of the euribor more 0,20 points. In turn, the Bank Santander and BBK have thrown to the market mortgages at a price of eurí-bor more 0,25 points.

The person in charge of the division of clients deprived of Deutsche Bank admits that the entities are reacting with better mortgages to the current situation of the mortgage market, since “the demand is diminishing”.

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ActivoBank comes to 100 % of the amount of the second cheapest mortgage of the market

12.06.2007

ActivoBank is going to extend Active Mortgage will extend in the following days up to 100 % the maximum amount granted in his loan. This financial product grants the second cheapest differential of the market †“the Euribor more 0,22 %-and till now it covers only 80 % of the value of appraisal. To obtain 100 %, the client will have to pay a premium that is located between 1,5 % and 3 %.

The entity has already come to an agreement with the American insurer Genworth, which will be who realizes the premiums that will be signed by the clients who want to request more than 80 % of the value of appraisal. In practice, the premium of this insurance works as if it was a commission of opening of a loan. It is paid of only one time and depends on the percentage of the value of appraisal that wants to be financed.

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