Dwelling purchase credit – applying for a housing loan
Advice on bank loans Land register mortgage on a home purchase, real estate, land. To finance the house, with the right credit. Bank loan cadastre Basic fee for home purchase, real estate, parcels, land Now I have acquired an apartment and set a property tax on it. A property tax of the order of the maximum that the bank can ever enforce is the amount of land charge or the remaining debt plus interest and other expenses, possibly more than the land charge? out. Two land charges are entered in the cadastre: DEM 115,000 (1988) and DEM 35,000 (1998).
The agreement is from 2007 and was signed between the house bank and A., my sisters and I are not called. Even if I present the will and the loan number, the house bank gives me no further information, it calls the bank customer secret – I was told that one can gain insight only on the court.
This has promised the house bank.
A mortgage amount of EUR 95,000 must be recorded. Then we are both 50% owner in the cadastre. Already, there is a baseload of 60,000 in the cadastre of the fathers. Since the boy has since set up a second house bank and financed, has its base fee for another 70,000? elevated.
The house bank will certainly defend itself against this, otherwise, it would give up its maximum amount to the second house bank. After we got a new generation, we bought a bigger house, but first rented the apartment and charged with a property tax at a house bank to raise funds for the larger house. What about the mortgage?
So we can take our half unloaded and mortgage activity? Is it advantageous to leave the previous liens of 100,000 on the whole property? To secure the loan, a lien was entered into the cadastre in favor of this house bank. Now we want the base fee from the house bank to be allocated to me as an individual.
In what order of priority are which measures to be carried out, which orders have to be certified in writing and, if necessary, by a notary, and who ideally contacts the current bank affected by the land charges when? The acquirer has taken the rights entered in the cadastre. Including a mortgage on the house bank.
From the point of view of the banks: as if no transfer had taken place.
As a security, the house bank has secured a lien on my private property with a residential building. May the financing banks deny the transfer and enter it in the cadastre I? Question: What advantages and disadvantages would arise for the variant cadastral I and land charge for whom and could be eliminated in the notary contract?
Apart from the eradication, he would like to receive a secondary burden after the house bank. Does the land charge only come into force in the case of a forced sale? All details were arranged in advance with our bank advisor and the basic fee for the house bank was also ordered by the notary office. The loan agreement was not finalized although the liens had already been registered for the principal bank.
All this was communicated to the board of the company. Ownership of 50% owned and still burdened with debt in the cadastre. May a mandatory entry be made in the cadastre? Generally speaking, a bankruptcy trustee is not obliged to conclude an agreement on the basis of the economically justifiable, rather than imposing it recklessly, if it is foreseeable that: a) a seizure of wages implies the immediate termination of the employment relationship (temporary to late 2014) and thus the basis for an economic settlement is abolished (I am over 60) and b) the credit agreements for the dwelling house of the house bank are expected to be terminated immediately after becoming aware?
A mortgage amount will be entered in the cadastre of the lending banks. Ie. the building “belongs” (still) to the house bank. Moreover, such recourse would hardly bring anything, as the liens of the banks are still almost complete. An agreement of 50-50% and a joint and several liabilities in the credit agreement.