Remortgage forward loan

Debt tranche of term loans. Even if your fixed interest period is still three years, you can still find out today about your follow-up loan. Here you will find important questions and answers regarding the processing of term financing. and, if necessary, used for debt restructuring.

The forward loan is a form of follow-up financing and replaces the initial funding. The cost of a term loan in case of debt restructuring.

Debt rescheduling/term loans 


Because of the current favorable interest rates, I have opted for a forward loan for, since my follow-up financing is due only Oct 2019……. 50/50, but I think the interest rates will be in the next 1.5 Not so cheap for a few years ….. have long researched and for my part got a benevolent course and also finished.

Appointment credit


Mortgage loan financing can be an attractive way to maintain low-interest rates in low-interest rates. Below is more information on when term loans pay off. Which are term loans?

Term loans are loans that are used to finance real estate and are granted as “normal” real estate loans as annuity loans with security in the land register.

A key differentiator is that although term loans are already concluded at a fixed interest rate today, they will only be paid out after a certain period of time.

A distinction is made between forged and real term loans: In the case of non-original term loans, the fixed interest periods start with the date of the loan contract.

The fixed-rate period, on the other hand, starts with the distribution of real-term loans and then extends over the entire term of the loan. In general, the problem of a forward loan arises as part of the follow-on financing of real estate loans.

If interest rates today are – as they have been for many years – particularly low and you expect interest rates to rise again in the period that followed, it makes sense to consider a term loan.

With a forward contract, you can buy interest-rate securities. Even today, you know that even after the end of the commitment period a follow-up loan is available at the current interest rate level for your current mortgage lending.

The “course” for this interest rate hedge is that lenders charge term premiums in comparison to instant-pay loans. The risk of futures contracts becomes apparent when market interest rates continue to fall or remain constant.

It would then have been more advantageous to forego the forward agreement and decide on follow-up financing at the then applicable interest rate level.

Interest rate forecast is extremely complicated

Interest rate forecast is extremely complicated

The interest rate forecast is extremely complicated, so you should check which lead time or deadline of the term loan you want to commit.

Alternatively to a term loan, a rescheduling of the existing real estate loan can also take place. However, credit institutions often demand higher prepayment penalties for the early repayment of loans, which makes debt rescheduling unattractive.

Term credits offer interest and plan security for your mortgage lending.


Credit without proof of income Serious

In the case of negative Credit Bureau, banks refuse to lend. Processing your application for a negative Credit Bureau entry or existing loan will also depend on how high your income is and what you need the loan for without Credit Bureau. Of course, a loan without the request and registration with the Credit Bureau or another credit agency can be existentially important for the mitigation of a critical situation or for the professional perspective. From this it can be deduced that in the case of a reputable broker for loans without Credit Bureau, customers without income like the unemployed or Credit Institution recipients without guarantor are excluded from the possibility of lending. The unemployment loan granted by well-known banks offers all the legal security of traditional loans without the requirement of an active employment relationship and the associated income.

Do you have a loan even without money? You can find out how it works with us!

Do you have a loan even without money? You can find out how it works with us!

As a rule, the house bank needs a proof of income, because if you want to take a loan, the repayment must be ensured. However, many consumers can not provide proof of income, just think of the self-employed or unemployed. Even a negative Credit Bureau entry prevents borrowing, the house bank rejects the loan application.

Therefore, a serious instant loan without income can only be a loan without a presentation from the foundation. For all these loans, only a loan without income can be considered, for foreign banks a loan without proof of income and the foundation itself. Although the credit institutions are taking an increased credit risk and the interest rates for a flash loan without income are slightly increased reimbursed the loan volume in almost all countries.

There are only a few difficulties. In case of problems, you should talk to the house bank at an early stage, the loan interest can also be suspended or lowered. Even if you do not have a fixed salary, you can apply for a loan, and if the question of applying for Credit Bureau is not raised, your prospects will increase.

You will not succeed at your house bank, it will check your credit worthiness very carefully and the proof of income is “compulsory”. Now you can not bring that with you and the central bank refuses to grant you a permit. With a loan from Credit Bureau, you do not have to prove your money, and if you follow the rules for these fast loans, there’s nothing to stop you from getting a loan.

The question of the value of the company is not asked and your creditworthiness is not “so” tested. The interest is slightly bigger, but there are cheap loans and you can pay off the price without difficulty. Here, the donor is of no importance, he is not questioned, and if the donor is admitted, he is also not registered.

Of course, the credit is available to you, you can buy new furniture or a new car. You owe the house bank no information. Nevertheless, you should carefully consider whether you can increase the lending rates for your small income. Without proof of income and credit, you will certainly get the loan easily, but you still need to increase the loan rate every month.

If the money is enough – why not? A certain amount should be freely available, because nobody wants to save something in the long term. In most cases, however, the tariff is tailored to your financial situation and is maintained on a monthly basis. The Swiss credit institutions are not afraid of risks, credits without proof of income prove this.

With a loan without presentation of the Credit Bureau model, you do not have to fully represent your financial situation, without proof of income and without Credit Bureau request there is cash. This is of course available for free use. No one asks the question what you actually do with the extra money, it does not matter if you buy furniture on a trip or replace an expensive instant loan too early.

Is it possible to refuse the heavy loan without presenting the foundation?

Is it possible to refuse the heavy loan without presenting the foundation?

If a loan is already in progress, you should also set the amount, otherwise the house bank will classify you as doubtful and your loan application will be rejected. Although you have to pay a higher interest rate for a donor without a Credit Bureau query, there are no additional costs.

Find the cheapest loan offer with our interest rate calculator. If you are not for this financial scammers case, a credit broker who is completely serious and who represents your interests. However, you will quickly find a reputable home loan with no proof of income. Unfortunately, these swindlers damage the entire industry, but most credit brokers are quite serious.

A bond without proof of income is often the only viable way to get a loan, it is probably a bit more expensive, but relieves the shoulder.


Interest rate development mortgage lending

Interest rate development in mortgage lending To properly classify the level of current lending rates, it is advisable to take a look at the history of interest rates.

The negotiation of your mortgage lending like a pro: builders, homebuyers and refinancing often raise the question of when is the right time to set the terms of a mortgage loan.

Interest rate development in 2019: The bond market is setting the trend


Interest rates are falling surprisingly again. In 2018, bankers and construction experts knew that bond yields would pick up again this year. The assumption at the time was almost one year old.

The interest rate trend in 2019 is clearly in the opposite direction. Interest rates in 2019 clearly point in the opposite direction. What significance does this have for mortgage lending?

The interest rate development of construction loans is characterized by the performance of the federal bonds so that the construction loans will be extremely advantageous in 2019 as well.

The yield index of government bonds is THE benchmark for the interest rate development of mortgage rates. The interest rate in January 2018 was 0.7 percent. It is currently at 0.1%.

Interest rate trend in 2019


Already 3 years ago there was a comparable situation. At that point, the interest in German government bonds fell to minus 0.2 percent. The interest rate trend in 2019 shows that interest rates of around zero percentage points are expected this year as well.

By the end of 2018, it was expected that the 2 percent limit – the GFI’s target value – would be reached. Today, the GFI is moving in this direction again.

No one is expecting a real crisis, but the predicted economic growth of about 1 percentage point this year is low. As a result of these developments, Good Finance is also asserting a reduction in the economic outlook and taking measures to mitigate recessionary risks.

As a result, banks will continue to issue very low-cost loans in the future. In 2019, the savers will not be satisfied. The interest rates on time deposit accounts will continue to be close to the zero line.

The bottom line is the risk that savers and investors lose assets due to relatively higher inflation. Among other things, only the borrowers benefit from the development planning planned for 2019.

Installment loans are granted around 4 percentage points. As before, real estate financing of slightly more than one percentage point with a 10-year maturity and good credit rating of the borrowers is particularly advantageous.

Pay off the credit-financed acquisition of a property


Many people can still pay off the credit-financed acquisition of a property. The safest way is to secure the currently extremely advantageous interest rate as long as possible in order not to get into debt in future interest rate increases.

Benefit now from this interest rate development 2019 – Real-estate loans can hardly be cheaper. The mortgage lenders are getting younger and younger, claiming larger amounts of credit and paying off their loans.